2016 BMW 435i Car Insurance Calculator

Find out how the choices you make impact the insurance cost for a 2016 BMW 435i. Experiment with coverage deductibles, age of the driver, policy discounts, and trim level options to see the impact on rates. Get instant feedback how and why rates change based on your selections.

The average estimated car insurance premium for a 2016 BMW 435i is $2,224 per year, or about $185 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

$2,224

Cost Per Month

$185

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 435i 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 435i.

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.

$2,224
Average Rate
Your Rate
$2,224

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 435i 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 435i is $2,224.

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 435i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 BMW 435i against all other models in the midsize luxury car segment. The BMW 435i 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 435i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 435i.

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

2016 BMW 435i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$606
2Acura ILX$1,686-$538
3Lexus IS 300$1,792-$432
4Volvo S80$1,834-$390
5Mercedes-Benz C350E$1,842-$382
6Lexus RC 300$1,856-$368
7Audi A3$1,888-$336
8Mercedes-Benz AMG CLA45$1,910-$314
9Lincoln MKZ$1,914-$310
10Lexus ES 300H$1,924-$300
11Audi A6$1,936-$288
12Mercedes-Benz CLA250$1,982-$242
13BMW 528i$2,020-$204
14Lexus GS 350$2,036-$188
15Mercedes-Benz E350$2,062-$162
16Audi S4$2,064-$160
17Mercedes-Benz SLK55 AMG$2,068-$156
18BMW 428xi$2,072-$152
19Jaguar XF$2,084-$140
20Cadillac ELR$2,090-$134
21Mercedes-Benz C450 AMG$2,100-$124
22BMW 428i$2,106-$118
23Audi S5$2,116-$108
24Hyundai Genesis$2,130-$94
25BMW 528xi$2,138-$86
26Infiniti Q50$2,144-$80
27BMW 535xi$2,150-$74
28BMW 435xi$2,174-$50
29Mercedes-Benz E250$2,192-$32
30Mercedes-Benz SL400$2,210-$14
31BMW Active 5$2,218-$6
32BMW 435i$2,224--
2016 Midsize Luxury Car Average$2,227$3
33BMW 535d$2,250$26
34Mercedes-Benz E400$2,300$76
35BMW 535i$2,308$84
36Mercedes-Benz E550$2,320$96
37Audi S6$2,358$134
38BMW 550i$2,362$138
39Mercedes-Benz CLS400$2,436$212
40BMW 550xi$2,452$228
41Mercedes-Benz SL550$2,456$232
42BMW 640i$2,490$266
43Audi A7$2,504$280
44BMW 640xi$2,510$286
45BMW M5$2,518$294
46Audi S7$2,522$298
47Tesla Model S$2,590$366
48Mercedes-Benz S550E$2,594$370
49BMW 650xi$2,610$386
50Lexus GS F$2,622$398
51BMW M6$2,796$572
52Mercedes-Benz SL63 AMG$2,876$652
53Mercedes-Benz SL65 AMG$3,584$1,360

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 435i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW 435i.

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 435i Insurance Rates by Trim Level
2016 BMW 435i Trim Level Annual Premium Cost Per Month
Coupe$2,192$183
Gran Coupe$2,240$187
Convertible$2,244$187

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 435i for different driver ages.

2016 BMW 435i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,999$667
17$7,735$645
18$6,906$576
19$6,293$524
20$4,813$401
21$4,590$383
22$4,105$342
23$3,377$281
24$3,187$266
25$2,584$215
30$2,370$198
35$2,288$191
40$2,224$185
45$2,082$174
50$1,974$165
55$1,842$154
60$1,848$154
65$1,968$164
70$2,136$178
75$2,522$210
80$3,114$260

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 435i trim levels.