About $1,664 a year for full coverage on a national average — 16% more than the $1,438 average car. Insurers rate the BMW 335is at an index of 116 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2015-2017).
The premium isn't spread evenly across the BMW 335is: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 152, while Personal injury (PIP) sits at 82. Those 70 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2013 335is sells for a median $17,995, so a year of cover costs 9.2% of the car's value. Calculated from 7 insurance-loss records and live US listing prices.
Why a 335is costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,664: Liability (BI + PD) $799 · Collision $466 · Comprehensive $200 · Other (UM / PIP) $200.
How it changed by generation
Insurance-loss index of the 335is across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The 335is has become more expensive to insure over time (+3 points).
What a 335is costs by state
Where you park matters as much as what you drive. The 335is's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | 335is est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the BMW 335is's loss index of 116 — your own quote also depends on age, record, deductible and ZIP.
BMW 335is insurance — frequently asked
How much is insurance for a BMW 335is?
About $1,664 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 116 applied to the US average premium.
Why is the 335is expensive or cheap to insure?
For the BMW 335is the costliest area is Comprehensive at an index of 152, covering theft, weather, vandalism, animals — against 82 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the BMW 335is lands at 116, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 9.2% of what a 2013 335is sells for — $1,664 against a median price of $17,995. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 9.2% the 335is sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same 335is can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.