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BMW 320I 2016 Car Insurance

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The 2016 BMW 320i is a compact luxury sedan combining spirited driving dynamics with German refinement. It appeals to drivers seeking prestige and performance in an accessible package, with the precise handling typical of the brand.

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

Between 2021 and 2026, the average premium for the 2016 BMW 320i fluctuates significantly, dropping from $3672 to $1591, with occasional spikes such as in 2025 ($2258). The overall trend is downward despite these yearly variations.

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 are highest in Saguenay ($3283), Saint-Jean-sur-Richelieu ($2842), and Montreal ($2833), while Terrebonne ($849), Gatineau ($1234), and Laval ($1278) show the lowest amounts. The spread between cities is quite pronounced for this model.

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 $1145.62
LÉVIS $1580.5
MONTRÉAL $2832.70
QUÉBEC $2150.96
Saguenay $3282.77
SAINT-JEAN-SUR-RICHELIEU $2284.86
TERREBONNE $848.79

Frequently asked questions (FAQ)

How much does auto insurance cost for a 2016 BMW 320i?
The average premium varies by reference year, ranging from $1591 in 2026 to a peak of $3672 in 2021. In 2025, the average premium stood at $2258.
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.
Have premiums for the 2016 BMW 320i decreased over time?
Overall, yes. Between 2021 and 2026, the average premium dropped from $3672 to $1591, despite a temporary rise to $2258 in 2025.
Which city offers the lowest insurance cost for a 2016 BMW 320i?
Based on the data provided, Terrebonne ($849), Gatineau ($1234), and Laval ($1278) show the lowest average premiums for this model.
Why is there such a large gap between Saguenay and Terrebonne?
The gap between Saguenay ($3283) and Terrebonne ($849) may result from differences in regional claim rates, traffic density, and the profile of insured drivers in each area.
What factors influence the premium for a 2016 BMW 320i?
Vehicle age, the cost of imported parts, engine power, and driver profile are key factors in determining the premium for this model.
How can I reduce my premium for a 2016 BMW 320i?
Comparing quotes from several insurers and checking premiums by city of residence can reveal meaningful differences, as seen between Terrebonne and Saguenay.

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: 08/13/2026

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