Ultimate Guide to Insuring a BMW 328d: 2025 Edition

• BMW 328d car insurance costs $2,036 per year (about $170 per month) for a full coverage policy, but vary considerably based on policy limits and driver age.
• The cheapest model of BMW 328d to insure is the base Sedan at an estimated $1,946 per year, or about $162 per month.
• The BMW 328d is one of the cheaper compact luxury cars to insure for the 2018 model year, costing $42 less per year on average as compared to the rest of the vehicles in the segment.

How much does BMW 328d insurance cost?

BMW 328d insurance averages around $2,036 yearly, or around $170 each month. Depending on the trim level being insured, monthly car insurance rates for a 2018 BMW 328d range from $162 to $185, with the Sedan being cheapest and the xDrive Station Wagon costing the most to insure.

The next chart illustrates a summary of car insurance rates for a 2018 BMW 328d using a range of policy scenarios.

The chart above shows average rates for a 2018 BMW 328d for a variety of different driver ages and policy scenarios. The table below shows the average rates for earlier model years. The 2018 annual rate in the table is the same as the Safe Driver Age 40 in the chart above.

We’ve shown how driver age and the age of the vehicle can impact car insurance rates, so now let’s see how different trim levels can impact the cost of insurance for the same model year.

The table below shows average insurance cost for the 2018 model year, but breaks out rate variation for three different trim levels to show how much rates are affected.

Is insurance expensive for a BMW 328d?

When insurance prices are compared to the best-selling models in the small luxury car category, auto insurance rates for a BMW 328d cost $74 more per year than the BMW 330i, $102 less than the Mercedes-Benz C300, and $128 more than the Acura TLX.

The BMW 328d ranks eighth out of 19 total comparison vehicles in the small luxury car category for insurance affordability for the 2018 model year. The 328d costs an average of $2,036 per year for insurance, while the segment average cost is $2,078 per year, a difference of $42 per year.

The following chart shows how BMW 328d insurance rates compare to the best-selling small luxury cars like the Audi A4, Volvo S60, and the Lexus IS 350. We also included a more comprehensive table after the chart showing average car insurance prices for all 19 vehicles in the 2018 compact luxury car segment.