- BMW 228i insurance costs an average of $1,870 per year, or around $156 per month for full coverage.
- With an average car insurance cost range of $64, the cheapest BMW 228i trim level to insure is the Convertible at around $1,840 per year, and the most expensive trim being the xDrive Coupe at $1,904 annually.
- Ranked fifth out of 26 other models in the 2016 small luxury car class, car insurance rates for the BMW 228i cost $93 less per year than the average cost for the segment.
How much does BMW 228i car insurance cost?
BMW 228i car insurance rates average $1,870 annually for full coverage, or $156 on a monthly basis. With the average small luxury car costing $1,963 a year to insure, the BMW 228i could save an estimated $93 or more on an annual basis.
The chart below details how average BMW 228i car insurance rates change based on a variety of driver ages and the chosen policy deductibles. 
Insurance rates in the chart above vary from the cheapest average rate of $1,318 per year for a driver age 60 with $1,000 comprehensive and collision deductibles to the most expensive average rate of $4,358 per year for a driver age 20 with $250 physical damage deductibles.
The data below details average full coverage insurance rates for the BMW 228i for the 2014 to 2016 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 BMW 228i | $2,608 | $217 |
| 2023 BMW 228i | $2,536 | $211 |
| 2022 BMW 228i | $2,370 | $198 |
| 2016 BMW 228i | $1,870 | $156 |
| 2015 BMW 228i | $1,822 | $152 |
| 2014 BMW 228i | $1,800 | $150 |
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 BMW 228i trim levels for each model year. Updated October 24, 2025
The next table details insurance rates on a 2016 BMW 228i, including a monthly budget amount, for each available trim level.
| 2016 BMW 228i Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Convertible | $1,840 | $153 |
| Coupe | $1,854 | $155 |
| S Coupe | $1,854 | $155 |
| S xDrive Coupe | $1,904 | $159 |
| xDrive Coupe | $1,904 | $159 |
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. Updated October 24, 2025
How does BMW 228i insurance cost compare?
The BMW 228i ranks fifth out of 26 total vehicles in the 2016 small luxury car class for insurance affordability. The 228i costs $93 or 4.9% less per year than the average rate for comparable models.
Full coverage insurance costs an average of $1,870 per year for this BMW model, while the average for all comparable small luxury cars is $1,963 per year.
When compared side-by-side to other small luxury cars, auto insurance rates for a BMW 228i cost $158 less per year than the Mercedes-Benz C300, $64 more than the Volvo S60, and $28 more than the Acura TLX.
The next chart shows how car insurance cost for the BMW 228i compares to the top-selling small luxury cars for 2016 like the Audi A4, Lexus IS 350, and the BMW i3. A table with more comprehensive data is also included after the chart breaking down insurance cost comparisons and rankings for the entire 26 vehicle small luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | BMW 228xi | $1,656 | -$214 |
| 2 | Mercedes-Benz SLK 300 | $1,802 | -$68 |
| 3 | Volvo S60 | $1,806 | -$64 |
| 4 | Acura TLX | $1,842 | -$28 |
| 5 | BMW 228i | $1,870 | -- |
| 6 | BMW i3 | $1,880 | $10 |
| 7 | Audi S3 | $1,900 | $30 |
| 8 | BMW 340i | $1,920 | $50 |
| 9 | BMW 335xi | $1,930 | $60 |
| 10 | BMW 328i | $1,936 | $66 |
| 11 | Lexus CT 200H | $1,944 | $74 |
| 12 | Audi A4 | $1,950 | $80 |
| 13 | BMW 320i | $1,952 | $82 |
| 14 | Mercedes-Benz SLK 350 | $1,970 | $100 |
| 15 | BMW 328d | $1,976 | $106 |
| 16 | BMW M235i | $1,980 | $110 |
| 17 | Lexus RC 200T | $1,986 | $116 |
| 18 | Cadillac ATS | $1,994 | $124 |
| 19 | Mercedes-Benz B250E | $2,018 | $148 |
| 20 | Mercedes-Benz C300 | $2,028 | $158 |
| 21 | BMW 328xi | $2,048 | $178 |
| 22 | Lexus RC 350 | $2,052 | $182 |
| 23 | BMW 330e | $2,060 | $190 |
| 24 | Lexus IS 200T | $2,088 | $218 |
| 25 | Lexus GS 200T | $2,218 | $348 |
| 26 | Lexus IS 350 | $2,226 | $356 |
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 vehicle from the 2016 model year. Updated October 24, 2025
Additional car insurance rates and discounts
Listed below are some additional rates for different policy situations you may run into, as well as some money-saving tips and policy discounts to look for.
- Insuring teen drivers is expensive. Average rates for full coverage BMW 228i insurance costs $6,647 per year for a 16-year-old driver, $6,436 per year for a 17-year-old driver, $5,761 per year for an 18-year-old driver, and $5,249 per year for a 19-year-old driver.
- Earn a discount from your employment. Most car insurance companies offer discounts for having a job in professions like doctors, scientists, accountants, lawyers, nurses, architects, and others. Being employed in a qualifying occupation could potentially save between $56 and $179 on your yearly car insurance bill.
- Rated driver gender affects the rate you pay. For a 2016 BMW 228i, a 20-year-old man pays an estimated $3,752 per year, while a 20-year-old female driver will get a rate of $2,696, a difference of $1,056 per year. The females get the cheaper rate by far. But by age 50, the cost for men is $1,660 and the female rate is $1,618, a difference of only $42.
- Avoiding accidents keeps insurance rates low. Multiple at-fault accidents raise rates, potentially by an extra $2,656 per year for a 20-year-old driver and even as much as $772 per year for a 40-year-old driver.
- As you get older, rates tend to drop. The difference in insurance cost for a BMW 228i between a 60-year-old driver ($1,556 per year) and a 20-year-old driver ($3,752 per year) is $2,196, or a savings of 82.7%.
- Raise your credit for better rates. Having a high credit rating of over 800 could save a minimum of $294 per year over a lower credit rating of 670-739. Conversely, a below average credit score could cost as much as $340 more per year.