BMW 128i Insurance Cost [2022 Rates + Comparisons]

How much does BMW 128i insurance cost? We analyzed average car insurance rates for the 128i Convertible, Coupe, and S Coupe models to find out how prices compared to the rest of the small luxury car segment.

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  • Car insurance on a BMW 128i costs around $1,166 per year, $583 for a 6-month policy, or around $97 per month.
  • The 128i Convertible trim level is the cheapest to insure at around $1,140 per year. The most expensive trim is the S Coupe at $1,180 per year.
  • Out of 20 vehicles in the 2013 small luxury car segment, the 128i ranks #2 for car insurance affordability.

How much does BMW 128i car insurance cost?

BMW 128i insurance rates average $1,166 a year, or about $97 each month. Drivers can plan on paying about $117 less each year to insure a BMW 128i as compared to the average rate for small luxury cars, and $401 less per year than the $1,567 average for all vehicles.

The next chart details how average auto insurance prices for the BMW 128i change with modifications to the rated driver age and the deductibles for comprehensive and collision coverage.

Average prices range from a low of $910 per year for a driver age 60 with $1,000 physical damage deductibles to a high of $2,640 annually for a driver age 20 with $250 physical damage deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2013 BMW 128i with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all BMW 128i trim levels.Data last updated on December 2, 2022
BMW 128i Car Insurance Rates
BMW 128i Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,018$168
$500$2,320$193
$250$2,640$220
30$1,000$1,046$87
$500$1,214$101
$250$1,392$116
40$1,000$1,010$84
$500$1,166$97
$250$1,328$111
50$1,000$926$77
$500$1,064$89
$250$1,212$101
60$1,000$910$76
$500$1,046$87
$250$1,190$99

The table below breaks down average BMW 128i car insurance rates for the 2008 to 2013 model years and for different driver ages.

BMW 128i Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2013 BMW 128i$2,320$1,166$1,046
2012 BMW 128i$2,274$1,143$1,025
2011 BMW 128i$2,228$1,120$1,005
2010 BMW 128i$2,184$1,097$984
2009 BMW 128i$2,140$1,075$965
2008 BMW 128i$2,097$1,054$946

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Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 2, 2022
BMW 128i Insurance Cost by Model Year

The rate table below shows average annual and 6-month car insurance policy costs, in addition to a monthly insurance rate, for each 2013 BMW 128i trim level.

2013 BMW 128i Insurance Cost by Trim Level
BMW 128i Trim Level Annual Policy 6-month Policy Per Month
Convertible$1,140$570$95
Coupe$1,180$590$98
S Coupe$1,180$590$98

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Table Data Details: Average rates are for a 2013 BMW 128i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 2, 2022
BMW 128i Insurance Cost by Trim Level

Where does insurance cost rank for the BMW 128i?

The BMW 128i ranks #2 out of 20 total vehicles in the 2013 small luxury car category for car insurance cost. The 128i costs an average of $1,166 per year for full coverage insurance, while the class average cost is $1,283 annually, a difference of $117 per year.

When compared to other models in the 2013 compact luxury car category, auto insurance rates for a BMW 128i cost $134 less per year than the Mercedes-Benz C300, $30 less than the Volvo S60, and $148 less than the Audi A4.

The following chart shows how the average car insurance rate for a BMW 128i compares to the best-selling small luxury cars in America like the Lexus IS 350, BMW Z4, and the Cadillac ATS. An expanded table is also displayed after the chart displaying insurance cost rankings for all 20 compact luxury cars for the 2013 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2013 model year BMW 128i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all BMW 128i trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 2, 2022
Insurance Cost Comparison: BMW 128i vs Top 10 Small Luxury Cars
BMW 128i Insurance Cost Compared to All Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1Mercedes-Benz SLK250$1,126-$40
2BMW 128i$1,166--
3Mercedes-Benz SLK 350$1,174$8
4Volvo C30$1,190$24
5Volvo S60$1,196$30
6Lexus IS 350$1,222$56
7BMW 320i$1,236$70
8BMW 135i$1,240$74
9Lexus CT 200H$1,250$84
10Lexus IS 250$1,256$90
11Mercedes-Benz C300$1,300$134
12BMW 328i$1,308$142
13Audi A4$1,314$148
14BMW 328xi$1,340$174
15Mercedes-Benz C250$1,364$198
16BMW 335xi$1,370$204
17Cadillac ATS$1,382$216
18BMW Activehybrid 3$1,390$224
19BMW 335i$1,390$224
20Lexus IS F$1,440$274

Additional insurance rates and insights

Some other relevant insights into BMW 128i insurance rates include:

  • Getting older means cheaper auto insurance rates. The difference in insurance rates for a BMW 128i between a 50-year-old driver ($1,064 per year) and a 30-year-old driver ($1,214 per year) is $150, or a savings of 12.4%.
  • Safe drivers have cheaper 128i insurance. Causing frequent accidents will increase insurance cost, potentially by an additional $1,654 per year for a 20-year-old driver and even as much as $378 per year for a 60-year-old driver.
  • Age and gender affect car insurance rates. For a 2013 BMW 128i, a 20-year-old male driver pays an average price of $2,320 per year, while a 20-year-old female pays an average of $1,728, a difference of $592 per year. The females get much better rates. But by age 50, male rates are $1,064 and the cost for women is $1,046, a difference of only $18.
  • Prepare for sticker shock for high risk insurance. For a 30-year-old driver, having too many driving record violations or accidents could end up with a rate increase of $1,442 or more per year.
  • Policy discounts mean cheaper 128i insurance. Discounts may be available if the policyholders drive low annual mileage, are senior citizens, are loyal customers, work in certain occupations, or many other policy discounts which could save the average driver as much as $198 per year.
  • Increasing deductibles lowers insurance cost. Raising your policy deductibles from $500 to $1,000 could save around $156 per year for a 40-year-old driver and $302 per year for a 20-year-old driver.
  • The lower the deductibles, the higher the cost. Lowering deductibles from $500 to $250 could cost an additional $162 per year for a 40-year-old driver and $320 per year for a 20-year-old driver.
  • Raise your credit score to score lower rates. Having a good credit rating over 800 could save an average of $183 per year when compared to a lower credit rating of 670-739. Conversely, a less-than-good credit score could cost up to $212 more per year.