2015 BMW 428xi Car Insurance Calculator

Watch in real-time how the choices you make impact the cost of car insurance for a 2015 BMW 428xi. Modify options like policy coverages, liability limits, and deductibles to see how each affects your premiums. Instantly discover if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2015 BMW 428xi is $1,886 per year, or about $157 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

$1,886

Cost Per Month

$157

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 428xi 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 428xi.

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.

$1,886
Average Rate
Your Rate
$1,886

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 428xi 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 428xi is $1,886.

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 428xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2015 BMW 428xi against all other models in the midsize luxury car segment. The BMW 428xi 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 428xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 428xi.

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

2015 BMW 428xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,652-$234
2Acura ILX$1,662-$224
3Audi A3$1,702-$184
4Infiniti Q40$1,706-$180
5Volvo S80$1,712-$174
6Lincoln MKZ$1,726-$160
7Mercedes-Benz SLK55 AMG$1,744-$142
8Mercedes-Benz CLA250$1,808-$78
9Mercedes-Benz CLA45 AMG$1,838-$48
10BMW 528xi$1,848-$38
11BMW 428xi$1,886--
12Audi A6$1,926$40
13Audi S4$1,928$42
14Mercedes-Benz C400$1,930$44
15Mercedes-Benz E350$1,946$60
16Lexus ES 300H$1,948$62
17BMW 528i$1,956$70
18Mercedes-Benz C350$1,966$80
19Audi S5$1,978$92
20BMW 428i$1,994$108
21BMW 435xi$1,998$112
22Mercedes-Benz SL400$2,016$130
23Hyundai Genesis$2,030$144
24Infiniti Q50$2,064$178
25BMW Activehybrid 5$2,088$202
26BMW 550i$2,094$208
27Mercedes-Benz E550$2,098$212
28Mercedes-Benz E400$2,110$224
29BMW 435i$2,116$230
30Audi RS 5$2,134$248
31BMW 550xi$2,138$252
2015 Midsize Luxury Car Average$2,143$257
32Jaguar XF$2,162$276
33Mercedes-Benz E250$2,166$280
34BMW 535d$2,178$292
35Lexus GS 350$2,180$294
36BMW 535xi$2,196$310
37BMW 535i$2,200$314
38Mercedes-Benz CLS400$2,204$318
39Mercedes-Benz SL550$2,238$352
40Jaguar XK$2,274$388
41BMW 640xi$2,286$400
42Audi A7$2,294$408
43Audi S6$2,318$432
44BMW 640i$2,350$464
45BMW 650xi$2,392$506
46Jaguar XKR$2,478$592
47Mercedes-Benz S550E$2,498$612
48BMW M5$2,512$626
49Mercedes-Benz SL63 AMG$2,580$694
50Tesla Model S$2,590$704
51BMW M6$2,594$708
52Audi S7$2,612$726
53Mercedes-Benz SLS AMG$3,310$1,424
54Mercedes-Benz SL65 AMG$3,360$1,474

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 428xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 BMW 428xi.

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 428xi Insurance Rates by Trim Level
2015 BMW 428xi Trim Level Annual Premium Cost Per Month
Convertible$1,810$151
AWD$1,906$159
Gran Coupe$1,940$162

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 428xi for different driver ages.

2015 BMW 428xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,700$558
17$6,493$541
18$5,829$486
19$5,304$442
20$4,065$339
21$3,879$323
22$3,473$289
23$2,849$237
24$2,693$224
25$2,186$182
30$2,012$168
35$1,936$161
40$1,886$157
45$1,764$147
50$1,670$139
55$1,562$130
60$1,566$131
65$1,668$139
70$1,796$150
75$2,110$176
80$2,602$217

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 428xi trim levels.