BMW 228xi Car Insurance Rates [2022 Updated Data]

How much does 228xi insurance cost? We analyze average rates for the 2015 and 2016 BMW 228xi convertible models to see how insurance prices rank against the compact luxury car competition.

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  • Car insurance on a BMW 228xi costs an average of $1,236 per year, $618 for a 6-month policy, or around $103 per month.
  • Ranked #1 out of 26 vehicles in the 2016 small luxury car segment, average car insurance rates for the BMW 228xi cost $233 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 $1,236 per year to insure a BMW 228xi, which is about $103 each month. When looking at individual coverage amounts, liability and medical (or PIP) coverage is around $296 a year, collision insurance is approximately $618, and the remaining comprehensive costs around $322.

The following chart demonstrates how the average cost to insure a 2016 BMW 228xi changes based on the rated driver age and policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2016 BMW 228xi with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all BMW 228xi trim levels.Data last updated on December 5, 2022
BMW 228xi Car Insurance Rates
BMW 228xi Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,026$169
$500$2,444$204
$250$2,886$241
30$1,000$1,082$90
$500$1,314$110
$250$1,558$130
40$1,000$1,024$85
$500$1,236$103
$250$1,460$122
50$1,000$934$78
$500$1,126$94
$250$1,328$111
60$1,000$918$77
$500$1,106$92
$250$1,304$109

The next table breaks down average BMW 228xi insurance cost for the 2015-2016 model years, for annual, 6-month, and monthly policy terms.

BMW 228xi Insurance Cost for 2015-2016 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2016 BMW 228xi$1,236$618$103
2015 BMW 228xi$1,260$630$105

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume 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 5, 2022
BMW 228xi Insurance Cost by Model Year

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 traffic tickets can raise insurance policy cost by at least $318 per year.
  • Good credit equals better rates. Having an over-800 credit score may save $194 per year compared to a rating of 670-739. Conversely, a credit rating below 579 could cost up to $225 more per year.
  • Policyholder gender affects insurance cost. For a 2016 BMW 228xi, a 20-year-old male receives an average rate of $2,444 per year, while a 20-year-old female will pay an average of $1,806, a difference of $638 per year. The females get much better rates. But by age 50, the cost for male drivers is $1,126 and female driver rates are $1,104, a difference of only $22.
  • 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 $37 and $133 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 $566 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 #1 out of 26 total vehicles in the 2016 small luxury car class for most affordable auto insurance rates. The 228xi costs an average of $1,236 per year for full coverage insurance and the class median rate is $1,469 per year, a savings of $233.

When average rates are compared to other vehicles in the small luxury car segment, insurance for a BMW 228xi costs $284 less per year than the Mercedes-Benz C300, $114 less than the Volvo S60, and $144 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.

Insurance Cost Comparison: BMW 228xi vs Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1BMW 228xi$1,236--
2Mercedes-Benz SLK 300$1,346$110
3Volvo S60$1,350$114
4Acura TLX$1,380$144
5BMW 228i$1,400$164
6BMW i3$1,408$172
7Audi S3$1,420$184
8BMW 340i$1,440$204
9BMW 335xi$1,444$208
10BMW 328i$1,448$212
11BMW 320i$1,452$216
12Lexus CT 200H$1,454$218
13Audi A4$1,460$224
14Mercedes-Benz SLK 350$1,474$238
15BMW M235i$1,478$242
16BMW 328d$1,480$244
17Lexus RC 200T$1,484$248
18Cadillac ATS$1,496$260
19Mercedes-Benz B250E$1,506$270
20Mercedes-Benz C300$1,520$284
21BMW 328xi$1,536$300
22BMW 330e$1,542$306
23Lexus RC 350$1,544$308
24Lexus IS 200T$1,562$326
25Lexus GS 200T$1,666$430
26Lexus IS 350$1,668$432

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2016 model year, 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 vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 5, 2022
Insurance Cost Comparison: BMW 228xi vs Small Luxury Cars