2016 BMW 428xi Car Insurance Calculator

See in real-time how changes to risk factors and vehicle options impact the cost of car insurance for a 2016 BMW 428xi. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2016 BMW 428xi is $2,072 per year, or about $173 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

$2,072

Cost Per Month

$173

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 2016 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.

$2,072
Average Rate
Your Rate
$2,072

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 2016 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 2016 BMW 428xi is $2,072.

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 428xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 428xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$454
2Acura ILX$1,686-$386
3Lexus IS 300$1,792-$280
4Volvo S80$1,834-$238
5Mercedes-Benz C350E$1,842-$230
6Lexus RC 300$1,856-$216
7Audi A3$1,888-$184
8Mercedes-Benz AMG CLA45$1,910-$162
9Lincoln MKZ$1,914-$158
10Lexus ES 300H$1,924-$148
11Audi A6$1,936-$136
12Mercedes-Benz CLA250$1,982-$90
13BMW 528i$2,020-$52
14Lexus GS 350$2,036-$36
15Mercedes-Benz E350$2,062-$10
16Audi S4$2,064-$8
17Mercedes-Benz SLK55 AMG$2,068-$4
18BMW 428xi$2,072--
19Jaguar XF$2,084$12
20Cadillac ELR$2,090$18
21Mercedes-Benz C450 AMG$2,100$28
22BMW 428i$2,106$34
23Audi S5$2,116$44
24Hyundai Genesis$2,130$58
25BMW 528xi$2,138$66
26Infiniti Q50$2,144$72
27BMW 535xi$2,150$78
28BMW 435xi$2,174$102
29Mercedes-Benz E250$2,192$120
30Mercedes-Benz SL400$2,210$138
31BMW Active 5$2,218$146
32BMW 435i$2,224$152
2016 Midsize Luxury Car Average$2,227$155
33BMW 535d$2,250$178
34Mercedes-Benz E400$2,300$228
35BMW 535i$2,308$236
36Mercedes-Benz E550$2,320$248
37Audi S6$2,358$286
38BMW 550i$2,362$290
39Mercedes-Benz CLS400$2,436$364
40BMW 550xi$2,452$380
41Mercedes-Benz SL550$2,456$384
42BMW 640i$2,490$418
43Audi A7$2,504$432
44BMW 640xi$2,510$438
45BMW M5$2,518$446
46Audi S7$2,522$450
47Tesla Model S$2,590$518
48Mercedes-Benz S550E$2,594$522
49BMW 650xi$2,610$538
50Lexus GS F$2,622$550
51BMW M6$2,796$724
52Mercedes-Benz SL63 AMG$2,876$804
53Mercedes-Benz SL65 AMG$3,584$1,512

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 428xi Insurance Rates by Trim Level

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

2016 BMW 428xi Insurance Rates by Trim Level
2016 BMW 428xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,024$169
AWD$2,050$171
Convertible$2,142$179

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 428xi for different driver ages.

2016 BMW 428xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,454$621
17$7,203$600
18$6,420$535
19$5,855$488
20$4,476$373
21$4,268$356
22$3,815$318
23$3,142$262
24$2,966$247
25$2,406$201
30$2,204$184
35$2,130$178
40$2,072$173
45$1,940$162
50$1,840$153
55$1,716$143
60$1,720$143
65$1,834$153
70$1,992$166
75$2,352$196
80$2,900$242

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.