BMW 228xi Car Insurance Calculator

Explore and learn how different factors impact car insurance rates for a BMW 228xi. Tweak settings like credit rating, policy coverages, and liability limits to see how insurance cost is affected. See instantly if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2016 BMW 228xi is $1,616 per year, or about $135 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

$1,616

Cost Per Month

$135

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 228xi 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 228xi.

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.

$1,616
Average Rate
Your Rate
$1,616

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 228xi.

The 'Average Rate' is a combined value for all BMW 228xi 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 2016 BMW 228xi is $1,616.

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.

2016 BMW 228xi vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2016 BMW 228xi against all other models in the small luxury car segment. The BMW 228xi 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 228xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 228xi.

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

2016 BMW 228xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1BMW 228xi$1,616--
2Mercedes-Benz SLK 300$1,758$142
3Volvo S60$1,766$150
4Acura TLX$1,800$184
5BMW 228i$1,826$210
6BMW i3$1,834$218
7Audi S3$1,854$238
8BMW 340i$1,874$258
9BMW 335xi$1,884$268
10BMW 328i$1,892$276
11Lexus CT 200H$1,896$280
12Audi A4$1,906$290
13BMW 320i$1,908$292
2016 Small Luxury Car Average$1,917$301
14Mercedes-Benz SLK 350$1,920$304
15BMW 328d$1,932$316
16BMW M235i$1,934$318
17Lexus RC 200T$1,942$326
18Cadillac ATS$1,950$334
19Mercedes-Benz B250E$1,968$352
20Mercedes-Benz C300$1,982$366
21BMW 328xi$2,000$384
22Lexus RC 350$2,004$388
23BMW 330e$2,010$394
24Lexus IS 200T$2,038$422
25Lexus GS 200T$2,168$552
26Lexus IS 350$2,172$556

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.

2016 228xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW 228xi.

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.

2016 BMW 228xi Insurance Rates by Trim Level
2016 BMW 228xi Trim Level Annual Premium Cost Per Month
Convertible$1,616$135

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 2016 BMW 228xi for different driver ages.

2016 BMW 228xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,528$461
17$5,387$449
18$4,898$408
19$4,441$370
20$3,429$286
21$3,275$273
22$2,949$246
23$2,415$201
24$2,293$191
25$1,872$156
30$1,730$144
35$1,658$138
40$1,616$135
45$1,510$126
50$1,426$119
55$1,330$111
60$1,334$111
65$1,420$118
70$1,514$126
75$1,748$146
80$2,134$178

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 228xi trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 228xi.

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 228xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2016 BMW 228xi$1,616$135
2015 BMW 228xi$1,608$134

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 228xi trim levels for each model year.