2015 BMW 428i Car Insurance Calculator

Discover and learn how different factors influence insurance rates for a 2015 BMW 428i. Customize choices like trim level, driving violations, and policy coverages and see their impact on rates. Instantly discover if the choices you make are positive or negative.

The average estimated car insurance premium for a 2015 BMW 428i is $1,994 per year, or about $166 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

$1,994

Cost Per Month

$166

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 2015 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.

$1,994
Average Rate
Your Rate
$1,994

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 2015 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 2015 BMW 428i is $1,994.

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.

2015 BMW 428i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2015 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.

2015 BMW 428i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,652-$342
2Acura ILX$1,662-$332
3Audi A3$1,702-$292
4Infiniti Q40$1,706-$288
5Volvo S80$1,712-$282
6Lincoln MKZ$1,726-$268
7Mercedes-Benz SLK55 AMG$1,744-$250
8Mercedes-Benz CLA250$1,808-$186
9Mercedes-Benz CLA45 AMG$1,838-$156
10BMW 528xi$1,848-$146
11BMW 428xi$1,886-$108
12Audi A6$1,926-$68
13Audi S4$1,928-$66
14Mercedes-Benz C400$1,930-$64
15Mercedes-Benz E350$1,946-$48
16Lexus ES 300H$1,948-$46
17BMW 528i$1,956-$38
18Mercedes-Benz C350$1,966-$28
19Audi S5$1,978-$16
20BMW 428i$1,994--
21BMW 435xi$1,998$4
22Mercedes-Benz SL400$2,016$22
23Hyundai Genesis$2,030$36
24Infiniti Q50$2,064$70
25BMW Activehybrid 5$2,088$94
26BMW 550i$2,094$100
27Mercedes-Benz E550$2,098$104
28Mercedes-Benz E400$2,110$116
29BMW 435i$2,116$122
30Audi RS 5$2,134$140
31BMW 550xi$2,138$144
2015 Midsize Luxury Car Average$2,143$149
32Jaguar XF$2,162$168
33Mercedes-Benz E250$2,166$172
34BMW 535d$2,178$184
35Lexus GS 350$2,180$186
36BMW 535xi$2,196$202
37BMW 535i$2,200$206
38Mercedes-Benz CLS400$2,204$210
39Mercedes-Benz SL550$2,238$244
40Jaguar XK$2,274$280
41BMW 640xi$2,286$292
42Audi A7$2,294$300
43Audi S6$2,318$324
44BMW 640i$2,350$356
45BMW 650xi$2,392$398
46Jaguar XKR$2,478$484
47Mercedes-Benz S550E$2,498$504
48BMW M5$2,512$518
49Mercedes-Benz SL63 AMG$2,580$586
50Tesla Model S$2,590$596
51BMW M6$2,594$600
52Audi S7$2,612$618
53Mercedes-Benz SLS AMG$3,310$1,316
54Mercedes-Benz SL65 AMG$3,360$1,366

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.

2015 428i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 BMW 428i Insurance Rates by Trim Level
2015 BMW 428i Trim Level Annual Premium Cost Per Month
Convertible$1,836$153
Gran Coupe$2,066$172
Coupe$2,090$174

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 2015 BMW 428i for different driver ages.

2015 BMW 428i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,161$597
17$6,929$577
18$6,197$516
19$5,642$470
20$4,316$360
21$4,115$343
22$3,681$307
23$3,023$252
24$2,857$238
25$2,318$193
30$2,124$177
35$2,048$171
40$1,994$166
45$1,866$156
50$1,772$148
55$1,652$138
60$1,658$138
65$1,768$147
70$1,910$159
75$2,256$188
80$2,784$232

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.