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BMW 320I 2016 Car Insurance

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The 2016 BMW 320i is a compact sports sedan known for balancing dynamic driving manners with German refinement. It appeals to drivers seeking a premium experience without sacrificing everyday practicality in the compact luxury sedan segment.

BMW 320I 2016 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the 2016 BMW 320i fluctuate noticeably, moving from $2731 to $2111, then $1827, $1805, back up to $2258, before settling at $1688. This variability reflects market adjustments rather than a linear pattern, with an overall decline over the period.

To find the best insurance for your BMW 320I 2016 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW 320I 2016 cost in Quebec?

Premiums vary significantly by city: Saguenay shows the highest amount ($3283), followed by Saint-Jean-sur-Richelieu ($2842) and Montreal ($2833), while Gatineau ($1234) and Saint-Jérôme ($1333) offer the lowest premiums. The gap between these cities exceeds $2000.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
GATINEAU $1233.88
LAVAL $1806.02
LÉVIS $1580.5
MONTRÉAL $2832.70
QUÉBEC $2150.96
Saguenay $3282.77
SAINT-JEAN-SUR-RICHELIEU $2842.28

Frequently asked questions (FAQ)

How much does insurance cost for a 2016 BMW 320i?
The average premium varies by reference year, ranging from $1688 to $2731 between 2021 and 2026. In 2026, the average premium sits at $1688.
Why does the BMW 320i's premium fluctuate so much year to year?
Rather than a linear increase, the premium moves from $2731 in 2021 to $1688 in 2026 with intermediate variations, reflecting insurance market adjustments rather than a stable trend.
Which city offers the cheapest insurance for a 2016 BMW 320i?
Based on the data provided, Gatineau ($1234) and Saint-Jérôme ($1333) show the lowest average premiums for this model.
Why does Saguenay show the highest premium?
Saguenay records $3283, the highest amount among the provided cities, a gap that may reflect regional factors like claim frequency or the profile of insured drivers.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
What factors influence the premium for a 2016 BMW 320i?
Vehicle age, OEM parts cost, engine power, and city of residence all influence the premium, which here ranges between $1688 and $2731 depending on the year.
How can I lower my premium for a BMW 320i?
Comparing quotes from several partner insurers is especially useful for a vehicle whose premiums vary widely by city, such as between Gatineau ($1234) and Saguenay ($3283).

Offers received by our customers on BMW 320I 2016 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/08/2026