2015 BMW 228i Car Insurance Calculator

Discover how changes to different risk factors influence insurance rates for a 2015 BMW 228i. Make changes to factors like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see how and why rates change based on your selections.

The average estimated car insurance premium for a 2015 BMW 228i is $1,780 per year, or about $148 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

$1,780

Cost Per Month

$148

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 228i 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 2015 BMW 228i.

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.

$1,780
Average Rate
Your Rate
$1,780

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.

The 'Average Rate' is a combined value for all 2015 BMW 228i 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 2015 BMW 228i is $1,780.

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.

2015 BMW 228i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2015 BMW 228i against all other models in the small luxury car segment. The BMW 228i 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 228i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 228i.

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

2015 BMW 228i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz SLK 250$1,378-$402
2Mercedes-Benz SLK 350$1,548-$232
3Volvo S60$1,578-$202
4BMW 328xi$1,582-$198
5Acura TLX$1,598-$182
6BMW 228xi$1,608-$172
7Audi A4$1,694-$86
8Cadillac ATS$1,742-$38
9Lexus IS 350$1,768-$12
10BMW 228i$1,780--
2015 Small Luxury Car Average$1,805$25
11BMW 320i$1,806$26
12BMW i3$1,820$40
13Audi S3$1,822$42
14Lexus CT 200H$1,836$56
15Mercedes-Benz C300$1,850$70
16Mercedes-Benz B-Electric Cell$1,856$76
17BMW 328i$1,866$86
18BMW 335xi$1,890$110
19BMW 328d$1,894$114
20Mercedes-Benz C250$1,954$174
21BMW M235i$1,972$192
22BMW 335i$1,992$212
23BMW Activehybrid 3$2,036$256
24Lexus RC 350$2,098$318
25Lexus IS 250$2,152$372

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.

2015 228i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 BMW 228i.

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.

2015 BMW 228i Insurance Rates by Trim Level
2015 BMW 228i Trim Level Annual Premium Cost Per Month
Convertible$1,622$135
Coupe$1,796$150
S Coupe$1,796$150
S xDrive Coupe$1,842$154
xDrive Coupe$1,842$154

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 2015 BMW 228i for different driver ages.

2015 BMW 228i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,462$539
17$6,222$519
18$5,502$459
19$5,035$420
20$3,837$320
21$3,660$305
22$3,265$272
23$2,705$225
24$2,545$212
25$2,066$172
30$1,890$158
35$1,830$153
40$1,780$148
45$1,670$139
50$1,586$132
55$1,482$124
60$1,486$124
65$1,578$132
70$1,722$144
75$2,048$171
80$2,526$211

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 228i trim levels.