2023 BMW 228i Car Insurance Calculator

Learn in real-time how seemingly small changes influence insurance rates for a 2023 BMW 228i. Experiment with options like policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2023 BMW 228i is $2,478 per year, or about $207 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

$2,478

Cost Per Month

$207

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 2023 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.

$2,478
Average Rate
Your Rate
$2,478

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 2023 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 2023 BMW 228i is $2,478.

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.

2023 BMW 228i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2023 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.

2023 BMW 228i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura Integra$2,046-$432
2BMW 330i$2,316-$162
3Acura TLX$2,352-$126
4Cadillac CT4$2,382-$96
5Genesis G70$2,430-$48
6BMW 330e$2,466-$12
7BMW 228i$2,478--
8BMW 230i$2,496$18
2023 Small Luxury Car Average$2,509$31
9Mercedes-Benz C300$2,514$36
10Audi A4$2,526$48
11Volvo S60$2,530$52
12Lexus RC 350$2,536$58
13Audi S3$2,546$68
14Alfa Romeo Giulia$2,572$94
15BMW M235i$2,578$100
16Lexus IS 350$2,622$144
17Audi RS 3$2,720$242
18BMW M240i$2,776$298
19BMW M340i$2,784$306

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.

2023 228i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 BMW 228i Insurance Rates by Trim Level
2023 BMW 228i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,448$204
xDrive Gran Coupe$2,504$209

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 2023 BMW 228i for different driver ages.

2023 BMW 228i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,780$732
17$8,514$710
18$7,643$637
19$6,958$580
20$5,337$445
21$5,093$424
22$4,563$380
23$3,747$312
24$3,542$295
25$2,878$240
30$2,642$220
35$2,544$212
40$2,478$207
45$2,314$193
50$2,192$183
55$2,046$171
60$2,050$171
65$2,184$182
70$2,356$196
75$2,768$231
80$3,408$284

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.