BMW 328i Car Insurance Calculator

Learn visually how different driver and vehicle factors affect the cost of insurance for a BMW 328i. Experiment with options like driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2016 BMW 328i is $1,892 per year, or about $158 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

$1,892

Cost Per Month

$158

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 328i 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 328i.

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.

$1,892
Average Rate
Your Rate
$1,892

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 328i.

The 'Average Rate' is a combined value for all BMW 328i 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 328i is $1,892.

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 328i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2016 BMW 328i against all other models in the small luxury car segment. The BMW 328i 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 328i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 328i.

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

2016 BMW 328i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1BMW 228xi$1,616-$276
2Mercedes-Benz SLK 300$1,758-$134
3Volvo S60$1,766-$126
4Acura TLX$1,800-$92
5BMW 228i$1,826-$66
6BMW i3$1,834-$58
7Audi S3$1,854-$38
8BMW 340i$1,874-$18
9BMW 335xi$1,884-$8
10BMW 328i$1,892--
11Lexus CT 200H$1,896$4
12Audi A4$1,906$14
13BMW 320i$1,908$16
2016 Small Luxury Car Average$1,917$25
14Mercedes-Benz SLK 350$1,920$28
15BMW 328d$1,932$40
16BMW M235i$1,934$42
17Lexus RC 200T$1,942$50
18Cadillac ATS$1,950$58
19Mercedes-Benz B250E$1,968$76
20Mercedes-Benz C300$1,982$90
21BMW 328xi$2,000$108
22Lexus RC 350$2,004$112
23BMW 330e$2,010$118
24Lexus IS 200T$2,038$146
25Lexus GS 200T$2,168$276
26Lexus IS 350$2,172$280

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 328i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW 328i.

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 328i Insurance Rates by Trim Level
2016 BMW 328i Trim Level Annual Premium Cost Per Month
Sedan$1,892$158

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 328i for different driver ages.

2016 BMW 328i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,786$566
17$6,535$545
18$5,785$482
19$5,299$442
20$4,048$337
21$3,864$322
22$3,450$288
23$2,866$239
24$2,698$225
25$2,194$183
30$2,008$167
35$1,946$162
40$1,892$158
45$1,776$148
50$1,686$141
55$1,572$131
60$1,574$131
65$1,676$140
70$1,822$152
75$2,158$180
80$2,652$221

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 328i trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 328i.

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 328i Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2016 BMW 328i$1,892$158
2015 BMW 328i$1,866$156
2014 BMW 328i$1,732$144
2013 BMW 328i$1,712$143

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 328i trim levels for each model year.