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- E46 330s are relatively affordable to insure due to age and value
- Full coverage may not be cost-effective on lower-value examples
- Agreed-value or classic car policies available for well-maintained examples
- Track day coverage typically requires separate policy or rider
- Modifications can affect insurance — disclose major changes
- Standard registration in most states
- Emissions requirements vary by state:
- California: SMOG check required, modifications can cause failure
- Most states: OBD-II emissions test (no codes = pass)
- Some states: No emissions testing
- Classic/antique plates available in some states for cars 25+ years old (2024+)
- Intake/exhaust modifications generally don’t affect insurance
- Forced induction (turbo/supercharger) should be disclosed
- Suspension modifications generally not a concern
- Major engine swaps may require engineering certification in some jurisdictions