- BMW 328d car insurance costs $1,652 per year (about $138 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 $1,578 per year, or about $132 per month.
- The BMW 328d is one of the cheaper compact luxury cars to insure for the 2018 model year, costing $33 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 $1,652 yearly, or around $138 each month. Depending on the trim level being insured, monthly car insurance rates for a 2018 BMW 328d range from $132 to $150, 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.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2018 BMW 328d | $1,652 | $138 |
| 2017 BMW 328d | $1,562 | $130 |
| 2016 BMW 328d | $1,564 | $130 |
| 2015 BMW 328d | $1,534 | $128 |
| 2014 BMW 328d | $1,528 | $127 |
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 328d trim levels for each model year. Updated February 22, 2024
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.
| 2018 BMW 328d Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sedan | $1,578 | $132 |
| xDrive Sedan | $1,578 | $132 |
| xDrive Station Wagon | $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. Updated February 23, 2024
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 $58 more per year than the BMW 330i, $80 less than the Mercedes-Benz C300, and $106 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 $1,652 per year for insurance, while the segment average cost is $1,685 per year, a difference of $33 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura TLX | $1,546 | -$106 |
| 2 | Volvo S60 | $1,550 | -$102 |
| 3 | BMW 230i | $1,584 | -$68 |
| 4 | BMW 330i | $1,594 | -$58 |
| 5 | Audi S3 | $1,598 | -$54 |
| 6 | BMW 320i | $1,614 | -$38 |
| 7 | Alfa Romeo Giulia | $1,626 | -$26 |
| 8 | BMW 328d | $1,652 | -- |
| 9 | Lexus RC 350 | $1,666 | $14 |
| 10 | BMW i3 | $1,680 | $28 |
| 11 | BMW 330e | $1,712 | $60 |
| 12 | Mercedes-Benz C300 | $1,732 | $80 |
| 13 | Cadillac ATS | $1,742 | $90 |
| 14 | Lexus IS 350 | $1,744 | $92 |
| 15 | Audi A4 | $1,748 | $96 |
| 16 | BMW M240i | $1,750 | $98 |
| 17 | Mercedes-Benz AMG SLC43 | $1,756 | $104 |
| 18 | Audi RS 3 | $1,768 | $116 |
| 19 | BMW 340i | $1,956 | $304 |
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 2018 model year. Updated February 22, 2024