BMW 128i Car Insurance Calculator

Discover and learn how seemingly small changes influence insurance rates for a BMW 128i. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2013 BMW 128i is $1,524 per year, or about $127 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,524

Cost Per Month

$127

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW 128i Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a BMW 128i.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,524
Average Rate
Your Rate
$1,524

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW 128i.

The 'Average Rate' is a combined value for all BMW 128i trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 BMW 128i is $1,524.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 BMW 128i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2013 BMW 128i against all other models in the small luxury car segment. The BMW 128i is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW 128i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 128i.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 BMW 128i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz SLK250$1,478-$46
2Mercedes-Benz SLK 350$1,520-$4
3BMW 128i$1,524--
4Volvo C30$1,552$28
5Volvo S60$1,558$34
6Lexus IS 350$1,598$74
7BMW 320i$1,610$86
8BMW 135i$1,624$100
9Lexus CT 200H$1,632$108
10Lexus IS 250$1,640$116
2013 Small Luxury Car Average$1,675$151
11Mercedes-Benz C300$1,698$174
12Audi A4$1,704$180
13BMW 328i$1,712$188
14BMW 328xi$1,752$228
15Mercedes-Benz C250$1,780$256
16BMW 335xi$1,792$268
17Cadillac ATS$1,800$276
18BMW Activehybrid 3$1,812$288
19BMW 335i$1,818$294
20Lexus IS F$1,886$362

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 128i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 BMW 128i.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 BMW 128i Insurance Rates by Trim Level
2013 BMW 128i Trim Level Annual Premium Cost Per Month
Convertible$1,492$124
Coupe$1,538$128
S Coupe$1,550$129

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 BMW 128i for different driver ages.

2013 BMW 128i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,547$462
17$5,328$444
18$4,687$391
19$4,302$359
20$3,274$273
21$3,124$260
22$2,783$232
23$2,316$193
24$2,177$181
25$1,766$147
30$1,618$135
35$1,570$131
40$1,524$127
45$1,432$119
50$1,364$114
55$1,274$106
60$1,276$106
65$1,354$113
70$1,480$123
75$1,766$147
80$2,174$181

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW 128i trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 128i.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW 128i Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2013 BMW 128i$1,524$127

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all BMW 128i trim levels for each model year.