- BMW 428i insurance rates average $2,106 for a full coverage annual policy, or $1,053 for a semi-annual policy.
- The 428i Gran Coupe trim is the cheapest to insure at around $1,984 per year, or $165 per month.
- The model with the most expensive insurance is the Coupe at $2,188 per year, or around $182 per month.
- Out of 53 models in the 2016 midsize luxury car segment, the BMW 428i ranks 22nd for car insurance cost.
How much does BMW 428i car insurance cost?
BMW 428i insurance rates cost an average of $2,106 annually, or around $176 if paid each month. You can expect to pay approximately $121 less each year for BMW 428i insurance compared to the midsize luxury car average rate, and $115 less per year than the all-vehicle national average of $2,221.
The chart below illustrates how BMW 428i insurance rates can differ depending on driver age and the policy deductibles chosen. The annual policy cost estimates range from the lowest rate of $1,480 per year for a 60-year-old driver with a deductible of $1,000 to a high of $4,946 each year for a 20-year-old driver with low policy deductibles.
The next table breaks down average insurance rates for both annual and semi-annual policy terms for the 2016 BMW 428i trim levels.
| 2016 BMW 428i Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Gran Coupe | $1,984 | $165 |
| Convertible | $2,152 | $179 |
| Coupe | $2,188 | $182 |
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 June 26, 2025
The table below shows average full coverage insurance cost for annual and semi-annual policies for the 2014 through 2016 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2016 BMW 428i | $2,106 | $176 |
| 2015 BMW 428i | $1,994 | $166 |
| 2014 BMW 428i | $1,982 | $165 |
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 428i trim levels for each model year. Updated June 27, 2025
Is a BMW 428i cheap to insure?
When compared to other vehicles in the 2016 midsize luxury car class, BMW 428i insurance costs $488 more per year than the Lexus ES 350, $38 less than the Infiniti Q50, and $192 more than the Lincoln MKZ.
The BMW 428i ranks 22nd out of 53 total comparison vehicles in the 2016 midsize luxury car category for car insurance affordability. The 428i costs an average of $2,106 per year for a car insurance policy with full coverage and the category average policy cost is $2,227 per year, a difference of $121 per year.
The next table shows how BMW 428i insurance cost compares to similar models like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Lexus ES 350 | $1,618 | -$488 |
| 2 | Acura ILX | $1,686 | -$420 |
| 3 | Lexus IS 300 | $1,792 | -$314 |
| 4 | Volvo S80 | $1,834 | -$272 |
| 5 | Mercedes-Benz C350E | $1,842 | -$264 |
| 6 | Lexus RC 300 | $1,856 | -$250 |
| 7 | Audi A3 | $1,888 | -$218 |
| 8 | Mercedes-Benz AMG CLA45 | $1,910 | -$196 |
| 9 | Lincoln MKZ | $1,914 | -$192 |
| 10 | Lexus ES 300H | $1,924 | -$182 |
| 11 | Audi A6 | $1,936 | -$170 |
| 12 | Mercedes-Benz CLA250 | $1,982 | -$124 |
| 13 | BMW 528i | $2,020 | -$86 |
| 14 | Lexus GS 350 | $2,036 | -$70 |
| 15 | Mercedes-Benz E350 | $2,062 | -$44 |
| 16 | Audi S4 | $2,064 | -$42 |
| 17 | Mercedes-Benz SLK55 AMG | $2,068 | -$38 |
| 18 | BMW 428xi | $2,072 | -$34 |
| 19 | Jaguar XF | $2,084 | -$22 |
| 20 | Cadillac ELR | $2,090 | -$16 |
| 21 | Mercedes-Benz C450 AMG | $2,100 | -$6 |
| 22 | BMW 428i | $2,106 | -- |
| 23 | Audi S5 | $2,116 | $10 |
| 24 | Hyundai Genesis | $2,130 | $24 |
| 25 | BMW 528xi | $2,138 | $32 |
| 26 | Infiniti Q50 | $2,144 | $38 |
| 27 | BMW 535xi | $2,150 | $44 |
| 28 | BMW 435xi | $2,174 | $68 |
| 29 | Mercedes-Benz E250 | $2,192 | $86 |
| 30 | Mercedes-Benz SL400 | $2,210 | $104 |
| 31 | BMW Active 5 | $2,218 | $112 |
| 32 | BMW 435i | $2,224 | $118 |
| 33 | BMW 535d | $2,250 | $144 |
| 34 | Mercedes-Benz E400 | $2,300 | $194 |
| 35 | BMW 535i | $2,308 | $202 |
| 36 | Mercedes-Benz E550 | $2,320 | $214 |
| 37 | Audi S6 | $2,358 | $252 |
| 38 | BMW 550i | $2,362 | $256 |
| 39 | Mercedes-Benz CLS400 | $2,436 | $330 |
| 40 | BMW 550xi | $2,452 | $346 |
| 41 | Mercedes-Benz SL550 | $2,456 | $350 |
| 42 | BMW 640i | $2,490 | $384 |
| 43 | Audi A7 | $2,504 | $398 |
| 44 | BMW 640xi | $2,510 | $404 |
| 45 | BMW M5 | $2,518 | $412 |
| 46 | Audi S7 | $2,522 | $416 |
| 47 | Tesla Model S | $2,590 | $484 |
| 48 | Mercedes-Benz S550E | $2,594 | $488 |
| 49 | BMW 650xi | $2,610 | $504 |
| 50 | Lexus GS F | $2,622 | $516 |
| 51 | BMW M6 | $2,796 | $690 |
| 52 | Mercedes-Benz SL63 AMG | $2,876 | $770 |
| 53 | Mercedes-Benz SL65 AMG | $3,584 | $1,478 |
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 June 26, 2025
Additional rates and insights
Some additional rates for different insurance situations that may arise are listed below. Also included are some tips and discounts that could save you money on your next policy.
- Cheaper rates come with better credit scores. Having a credit score over 800 may save $331 per year when compared to a credit rating of 670-739. Conversely, a weaker credit score could cost as much as $383 more per year.
- As you get older, rates tend to drop. The difference in insurance rates for a BMW 428i between a 40-year-old driver ($2,106 per year) and a 20-year-old driver ($4,258 per year) is $2,152, or a savings of 67.6%.
- Tickets and violations cost money. To pay the lowest price for 428i insurance rates, it’s necessary to obey traffic laws. Just a couple of minor infractions have the ramification of raising 428i insurance cost by up to $564 per year. Serious misdemeanor violations such as reckless driving could raise rates by an additional $1,964 or more.
- Your employment could save you money. Many auto insurance providers offer policy discounts for having a job in professions like emergency medical technicians, members of the military, police officers and law enforcement, lawyers, doctors, firefighters, and others. If you qualify, you could potentially save between $63 and $175 on your annual auto insurance bill, depending on the policy coverages selected.
- The gender of the driver affects insurance cost. For a 2016 BMW 428i, a 20-year-old male will have an average rate of $4,258 per year, while a 20-year-old female will pay an average of $3,048, a difference of $1,210 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,870 and the rate for females is $1,822, a difference of only $48.
- Insuring teenagers can be very expensive. Average rates for full coverage 428i insurance costs $7,555 per year for a 16-year-old driver, $7,314 per year for a 17-year-old driver, $6,548 per year for an 18-year-old driver, and $5,963 per year for a 19-year-old driver.