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BMW 325 2004 Car Insurance

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The 2004 BMW 325 is a compact sports sedan offering a well-known balance of performance, comfort, and German refinement. As an older model, it remains popular among driving enthusiasts seeking an affordable premium vehicle with character.

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

Between 2022 and 2026, premiums for the 2004 BMW 325 fluctuate without a clear trend, moving from $387 in 2022 down to $238 in 2024, then rising to $436 in 2025 before dropping to $344 in 2026. These variations mainly reflect the vehicle's older age and an irregular claims history.

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?

Based on the data provided, the average premium is significantly lower in Laval ($202) than in Montreal ($688) — more than three times lower. This difference may reflect traffic density and claim frequency specific to each city.

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?
The average premium varies by year, ranging from $238 in 2024 to $436 in 2025, with a $344 average in 2026 based on available data.
Are premiums for the 2004 BMW 325 increasing or decreasing?
The data shows fluctuation rather than a clear trend: the premium dropped from $387 in 2022 to $238 in 2024, then rose to $436 in 2025 before falling to $344 in 2026.
Why is insurance more expensive in Montreal than in Laval for this vehicle?
Based on the data provided, the average premium reaches $688 in Montreal versus only $202 in Laval, a gap that may reflect higher urban density and traffic volume in Montreal.
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.
Does an older vehicle like the 2004 BMW 325 cost less to insure?
Generally yes, due to lower replacement value, but brand-specific parts costs and claims history can still influence the premium, as shown by the variation between $238 and $436.
How can I reduce the insurance premium for this vehicle?
Comparing quotes from several insurers, especially across cities with different profiles like Laval and Montreal, often reveals significant price differences for the same vehicle.

No recent premium example was found for "BMW 325 2004".

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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: 09/04/2026

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