- Car insurance on a BMW 228xi costs an average of $1,656 per year, $828 for a 6-month policy, or around $138 per month.
- Ranked first out of 26 vehicles in the 2016 small luxury car segment, average car insurance rates for the BMW 228xi cost $307 less per year than the segment average.
How much does BMW 228xi car insurance cost?
The average driver should plan on paying an average of $1,656 per year to insure a BMW 228xi, which is about $138 each month. When looking at individual coverage amounts, liability and medical (or PIP) coverage are around $396 a year, collision insurance is approximately $800, and the remaining comprehensive costs around $460.
The following chart demonstrates how the average cost to insure a 2016 BMW 228xi changes based on the rated driver age and policy deductibles.
The next table breaks down average BMW 228xi insurance rates for the 2015-2016 model years, for annual, 6-month, and monthly policy terms.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2016 BMW 228xi | $1,656 | $138 |
| 2015 BMW 228xi | $1,648 | $137 |
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 228xi trim levels for each model year. Updated October 24, 2025
Some additional rates and observations relating to BMW 228xi insurance include:
- Driving violations increase insurance rates. If you want cheap 228xi insurance rates, it’s necessary to not be an aggressive driver. In fact, just a couple of traffic tickets can raise insurance policy costs by at least $418 per year.
- Good credit equals better rates. Having an over-800 credit score may save $260 per year compared to a rating of 670-739. Conversely, a credit rating below 579 could cost up to $301 more per year.
- Policyholder gender affects insurance rates. For a 2016 BMW 228xi, a 20-year-old male receives an average rate of $3,274 per year, while a 20-year-old female will pay an average of $2,356, a difference of $918 per year. The females get much better rates. But by age 50, the cost for male drivers is $1,460 and female driver rates are $1,428, a difference of only $32.
- Earn a discount from your profession. Most insurance companies offer discounts for certain occupations like police officers and law enforcement, members of the military, scientists, lawyers, emergency medical technicians, and others. By earning this discount on your policy you could save between $50 and $179 on your yearly 228xi insurance cost, depending on the age of the driver.
- Safe drivers pay less. Having at-fault accidents will cost you more, possibly up to $760 per year for a 30-year-old driver and even $358 per year for a 60-year-old driver.
Where does BMW 228xi car insurance cost rank?
The BMW 228xi ranks first out of 26 total vehicles in the 2016 small luxury car class for most affordable auto insurance rates. The 228xi costs an average of $1,656 per year for full coverage insurance and the class median rate is $1,963 per year, a savings of $307.
When average rates are compared to other vehicles in the small luxury car segment, insurance for a BMW 228xi costs $372 less per year than the Mercedes-Benz C300, $150 less than the Volvo S60, and $186 less than the Acura TLX.
The next table shows how average insurance rates for a BMW 228xi compare to other small luxury cars like the Audi A4, Lexus IS 350, and the BMW i3.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | BMW 228xi | $1,656 | -- |
| 2 | Mercedes-Benz SLK 300 | $1,802 | $146 |
| 3 | Volvo S60 | $1,806 | $150 |
| 4 | Acura TLX | $1,842 | $186 |
| 5 | BMW 228i | $1,870 | $214 |
| 6 | BMW i3 | $1,880 | $224 |
| 7 | Audi S3 | $1,900 | $244 |
| 8 | BMW 340i | $1,920 | $264 |
| 9 | BMW 335xi | $1,930 | $274 |
| 10 | BMW 328i | $1,936 | $280 |
| 11 | Lexus CT 200H | $1,944 | $288 |
| 12 | Audi A4 | $1,950 | $294 |
| 13 | BMW 320i | $1,952 | $296 |
| 14 | Mercedes-Benz SLK 350 | $1,970 | $314 |
| 15 | BMW 328d | $1,976 | $320 |
| 16 | BMW M235i | $1,980 | $324 |
| 17 | Lexus RC 200T | $1,986 | $330 |
| 18 | Cadillac ATS | $1,994 | $338 |
| 19 | Mercedes-Benz B250E | $2,018 | $362 |
| 20 | Mercedes-Benz C300 | $2,028 | $372 |
| 21 | BMW 328xi | $2,048 | $392 |
| 22 | Lexus RC 350 | $2,052 | $396 |
| 23 | BMW 330e | $2,060 | $404 |
| 24 | Lexus IS 200T | $2,088 | $432 |
| 25 | Lexus GS 200T | $2,218 | $562 |
| 26 | Lexus IS 350 | $2,226 | $570 |
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
