BMW 428i Car Insurance Calculator

Learn how changing risk factors impact the cost of car insurance for a BMW 428i. Adjust factors such as driver's age, policy discounts, 428i trim level, and driving record. Find out instantly how changes you make impact the rate.

The average estimated car insurance premium for a 2016 BMW 428i is $2,106 per year, or about $176 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

$2,106

Cost Per Month

$176

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 428i 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 428i.

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.

$2,106
Average Rate
Your Rate
$2,106

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 428i.

The 'Average Rate' is a combined value for all BMW 428i 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 428i is $2,106.

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 428i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 BMW 428i against all other models in the midsize luxury car segment. The BMW 428i 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 428i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 428i.

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

2016 BMW 428i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$488
2Acura ILX$1,686-$420
3Lexus IS 300$1,792-$314
4Volvo S80$1,834-$272
5Mercedes-Benz C350E$1,842-$264
6Lexus RC 300$1,856-$250
7Audi A3$1,888-$218
8Mercedes-Benz AMG CLA45$1,910-$196
9Lincoln MKZ$1,914-$192
10Lexus ES 300H$1,924-$182
11Audi A6$1,936-$170
12Mercedes-Benz CLA250$1,982-$124
13BMW 528i$2,020-$86
14Lexus GS 350$2,036-$70
15Mercedes-Benz E350$2,062-$44
16Audi S4$2,064-$42
17Mercedes-Benz SLK55 AMG$2,068-$38
18BMW 428xi$2,072-$34
19Jaguar XF$2,084-$22
20Cadillac ELR$2,090-$16
21Mercedes-Benz C450 AMG$2,100-$6
22BMW 428i$2,106--
23Audi S5$2,116$10
24Hyundai Genesis$2,130$24
25BMW 528xi$2,138$32
26Infiniti Q50$2,144$38
27BMW 535xi$2,150$44
28BMW 435xi$2,174$68
29Mercedes-Benz E250$2,192$86
30Mercedes-Benz SL400$2,210$104
31BMW Active 5$2,218$112
32BMW 435i$2,224$118
2016 Midsize Luxury Car Average$2,227$121
33BMW 535d$2,250$144
34Mercedes-Benz E400$2,300$194
35BMW 535i$2,308$202
36Mercedes-Benz E550$2,320$214
37Audi S6$2,358$252
38BMW 550i$2,362$256
39Mercedes-Benz CLS400$2,436$330
40BMW 550xi$2,452$346
41Mercedes-Benz SL550$2,456$350
42BMW 640i$2,490$384
43Audi A7$2,504$398
44BMW 640xi$2,510$404
45BMW M5$2,518$412
46Audi S7$2,522$416
47Tesla Model S$2,590$484
48Mercedes-Benz S550E$2,594$488
49BMW 650xi$2,610$504
50Lexus GS F$2,622$516
51BMW M6$2,796$690
52Mercedes-Benz SL63 AMG$2,876$770
53Mercedes-Benz SL65 AMG$3,584$1,478

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 428i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW 428i.

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 428i Insurance Rates by Trim Level
2016 BMW 428i Trim Level Annual Premium Cost Per Month
Gran Coupe$1,984$165
Convertible$2,152$179
Coupe$2,188$182

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 428i for different driver ages.

2016 BMW 428i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,555$630
17$7,314$610
18$6,548$546
19$5,963$497
20$4,564$380
21$4,350$363
22$3,894$325
23$3,191$266
24$3,019$252
25$2,452$204
30$2,248$187
35$2,166$181
40$2,106$176
45$1,970$164
50$1,870$156
55$1,744$145
60$1,748$146
65$1,866$156
70$2,018$168
75$2,376$198
80$2,934$245

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 428i trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 428i.

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 428i Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2016 BMW 428i$2,106$176
2015 BMW 428i$1,994$166
2014 BMW 428i$1,982$165

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 428i trim levels for each model year.