BMW 328xi Car Insurance Calculator

Discover and learn how changing risk factors impact the cost of insurance for a BMW 328xi. Tweak settings like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2017 BMW 328xi is $2,008 per year, or about $167 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

$2,008

Cost Per Month

$167

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 328xi 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 328xi.

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.

$2,008
Average Rate
Your Rate
$2,008

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 328xi.

The 'Average Rate' is a combined value for all BMW 328xi 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 2017 BMW 328xi is $2,008.

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.

2017 BMW 328xi vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2017 BMW 328xi against all other models in the small luxury car segment. The BMW 328xi 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 328xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 328xi.

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

2017 BMW 328xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TLX$1,806-$202
2BMW 230i$1,848-$160
3BMW 330i$1,870-$138
4Volvo S60$1,886-$122
5BMW 320i$1,888-$120
6Audi S3$1,890-$118
7Alfa Romeo Giulia$1,922-$86
8BMW 328d$1,926-$82
9BMW 330xi$1,952-$56
10Lexus RC 350$1,970-$38
11BMW 330e$1,978-$30
12BMW i3$1,992-$16
13BMW 328xi$2,008--
2017 Small Luxury Car Average$2,015$7
14Mercedes-Benz C300$2,036$28
15Cadillac ATS$2,048$40
16Audi A4$2,054$46
17BMW M240i$2,056$48
18Lexus IS 350$2,066$58
19Mercedes-Benz B250E$2,068$60
20Mercedes-Benz AMG SLC43$2,072$64
21Lexus RC 200T$2,082$74
22Lexus IS 200T$2,088$80
23Audi RS 3$2,166$158
24Lexus CT 200H$2,192$184
25BMW 340i$2,256$248
26Lexus GS 200T$2,280$272

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.

2017 328xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 BMW 328xi.

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.

2017 BMW 328xi Insurance Rates by Trim Level
2017 BMW 328xi Trim Level Annual Premium Cost Per Month
D xDrive Station Wagon$2,008$167

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 2017 BMW 328xi for different driver ages.

2017 BMW 328xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,294$608
17$7,043$587
18$6,260$522
19$5,712$476
20$4,355$363
21$4,154$346
22$3,705$309
23$3,054$255
24$2,877$240
25$2,332$194
30$2,134$178
35$2,064$172
40$2,008$167
45$1,882$157
50$1,782$149
55$1,666$139
60$1,670$139
65$1,782$149
70$1,938$162
75$2,298$192
80$2,840$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 328xi trim levels.

Average Rates by Model Year

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

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 328xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2017 BMW 328xi$2,008$167
2016 BMW 328xi$2,000$167
2015 BMW 328xi$1,582$132
2014 BMW 328xi$1,702$142
2013 BMW 328xi$1,752$146

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 328xi trim levels for each model year.