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BMW 325 2004 Car Insurance

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The 2004 BMW 325 is a compact sports sedan known for its balance of comfort and driving dynamics. Representative of German engineering, it appeals to drivers seeking agile rear-wheel-drive handling with an accessible premium image.

BMW 325 2004 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2022 to 2026, premiums for the 2004 BMW 325 fluctuate noticeably, moving from $387 to $250, then $238, rising to $436, and back down to $344. This variability suggests no clear consistent trend rather than a steady increase or decrease.

To find the best insurance for your BMW 325 2004 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW 325 2004 cost in Quebec?

Between the two cities provided, the gap is significant: Laval shows an average premium of $202, while Montreal reaches $688 — more than three times higher, likely due to urban density and claim frequency.

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
LAVAL $202.2
MONTRÉAL $688.31

Frequently asked questions (FAQ)

How much does insurance cost for a 2004 BMW 325?
Based on the available data, the average premium ranged between $238 and $436 from 2022 to 2026, settling at $344 for the most recent year recorded.
Has the premium for the 2004 BMW 325 increased over time?
No, the data shows fluctuations rather than a steady trend: the premium went from $387 in 2022 to $238 in 2024, then to $436 in 2025 before dropping back to $344 in 2026.
Why is there such a difference between Laval and Montreal?
In Laval, the average premium is $202, compared to $688 in Montreal. This gap is typically explained by traffic density and higher claim rates in dense urban areas.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
What factors influence the premium for a 2004 BMW 325?
The vehicle's age, brand-specific parts costs, rear-wheel-drive layout, and driver profile all influence the premium, which can explain the year-to-year variations observed.
How can I lower my premium for this vehicle?
Comparing quotes from several insurers, especially between cities like Laval and Montreal where the gap can exceed $480, remains the most effective way to find a better price.

Offers received by our customers on BMW 325 2004 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 premiums actually offered by our partner insurers in response to quote requests, keeping the lowest one obtained for each vehicle. This data is not limited to policies that were sold.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 09/04/2026

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