2018 BMW 328d Car Insurance Calculator

Learn visually how changes to risk factors and vehicle options affect car insurance rates for a 2018 BMW 328d. Change vehicle usage, driver gender, marital status, and the state you live in plus many other factors. Know immediately if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2018 BMW 328d is $2,036 per year, or about $170 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

$2,036

Cost Per Month

$170

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 328d 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 2018 BMW 328d.

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.

$2,036
Average Rate
Your Rate
$2,036

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 2018 BMW 328d 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 2018 BMW 328d is $2,036.

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.

2018 BMW 328d vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2018 BMW 328d against all other models in the small luxury car segment. The BMW 328d 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 328d, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 328d.

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

2018 BMW 328d Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TLX$1,908-$128
2Volvo S60$1,916-$120
3BMW 230i$1,956-$80
4BMW 330i$1,962-$74
5Audi S3$1,972-$64
6BMW 320i$1,992-$44
7Alfa Romeo Giulia$2,006-$30
8BMW 328d$2,036--
9Lexus RC 350$2,056$20
10BMW i3$2,074$38
2018 Small Luxury Car Average$2,078$42
11BMW 330e$2,114$78
12Mercedes-Benz C300$2,138$102
13Cadillac ATS$2,142$106
14Audi A4$2,146$110
15Lexus IS 350$2,154$118
16BMW M240i$2,156$120
17Mercedes-Benz AMG SLC43$2,164$128
18Audi RS 3$2,184$148
19BMW 340i$2,414$378

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.

2018 328d Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW 328d.

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.

2018 BMW 328d Insurance Rates by Trim Level
2018 BMW 328d Trim Level Annual Premium Cost Per Month
Sedan$1,946$162
xDrive Sedan$1,946$162
xDrive Station Wagon$2,222$185

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 2018 BMW 328d for different driver ages.

2018 BMW 328d Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,321$610
17$7,093$591
18$6,350$529
19$5,778$482
20$4,419$368
21$4,215$351
22$3,773$314
23$3,089$257
24$2,923$244
25$2,368$197
30$2,172$181
35$2,094$175
40$2,036$170
45$1,906$159
50$1,806$151
55$1,688$141
60$1,692$141
65$1,804$150
70$1,952$163
75$2,300$192
80$2,842$237

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 328d trim levels.