Ultimate Guide to Insuring Your BMW 428xi: Rates Plus Insights

How much does car insurance for a BMW 428xi cost? We compare rates from the base 428xi Gran Coupe up to the Convertible model to see how average prices stack up against all other midsize luxury cars.

Start a Free QuoteCompare BMW 428xi car insurance quotes and save on your next policy.

  • BMW 428xi car insurance costs an average of $2,072 per year, or around $173 per month, for full coverage.
  • Ranked 18th out of 53 other models in the 2016 midsize luxury car class, car insurance rates for the BMW 428xi cost $155 less per year than the average cost for the segment.
  • The 428xi Gran Coupe trim level is the cheapest to insure at around $2,024 per year. The most expensive trim is the Convertible at $2,142 per year.

How much does BMW 428xi car insurance cost?

BMW 428xi insurance costs on average $2,072 annually for full coverage, or around $173 if paid each month. Expect to pay approximately $155 less per year to insure a BMW 428xi compared to the average rate for midsize luxury cars, and $149 less per year than the all-vehicle national average of $2,221.

The rate chart below illustrates average insurance cost for a 2016 BMW 428xi with a variety of different policy risk scenarios.

Average 2016 BMW 428xi insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2016 BMW 428xi insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2016 model year BMW 428xi with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW 428xi trim levels.

2016 BMW 428xi Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,764$397
Safe Driver Age 20$4,178$348
At-fault Accidents Age 40$2,940$245
Low Deductibles Age 40$2,686$224
Safe Driver Age 30$2,204$184
Safe Driver Age 40$2,072$173
Safe Driver Age 50$1,840$153
High Deductibles Age 40$1,756$146
Safe Driver Age 60$1,720$143
Discount Rate Age 40$1,720$143

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2016 BMW 428xi trim levels. Updated June 26, 2025

The next table shows average car insurance rates for different policy terms for a BMW 428xi from the 2014 to the 2016 model years.

BMW 428xi Insurance Cost for 2014-2016 Models
Model Year and Vehicle Annual Premium Cost Per Month
2016 BMW 428xi$2,072$173
2015 BMW 428xi$1,886$157
2014 BMW 428xi$1,936$161

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 428xi trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2014 to 2016 BMW 428xi models
Average annual premium and cost per month to insure 2014 to 2016 BMW 428xi models

The rate table below displays average annual and 6-month policy costs, in addition to a monthly insurance rate, for each BMW 428xi package and trim.

2016 BMW 428xi Insurance Rates by Trim Level
2016 BMW 428xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,024$169
AWD$2,050$171
Convertible$2,142$179

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

Insurance cost by trim level for a 2016 BMW 428xi ranging from the Gran Coupe model at $2,024 per year to the Convertible model at $2,142
Insurance cost by trim level for a 2016 BMW 428xi ranging from the Gran Coupe model at $2,024 per year to the Convertible model at $2,142

Below are some additional insurance rates for different scenarios, plus some tips on how you can reduce the overall cost of your next policy.

  • Improve your credit for cheaper auto insurance rates. Having an excellent credit score over 800 could save as much as $325 per year when compared to a good rating of 670-739. Conversely, a credit score lower than 579 could cost around $377 more per year.
  • Your employment could save you money. The vast majority of car insurance companies offer discounts for having a job in professions like lawyers, police officers and law enforcement, firefighters, doctors, college professors, members of the military, and others. Qualifying for an occupational discount could potentially save between $62 and $175 on your annual insurance cost, depending on the policy coverages selected.
  • Citations and violations increase policy cost. If you want the cheapest car insurance rates, it’s necessary to be a good, safe driver. As a matter of fact, just one or two minor incidents on your driving report have the ramification of increasing insurance rates by up to $554 per year. Major misdemeanor violations such as DWI/DUI and reckless driving could raise rates by an additional $1,928 or more.
  • Qualify for discounts to lower insurance cost. Discounts may be available if the insureds are loyal customers, are senior citizens, belong to certain professional organizations, are homeowners, take a defensive driving course, or many other discounts which could save the average driver as much as $352 per year on their insurance cost.
  • 428xi insurance rates for teens are expensive. Average rates for full coverage 428xi insurance costs $7,454 per year for a 16-year-old driver, $7,203 per year for a 17-year-old driver, $6,420 per year for an 18-year-old driver, and $5,855 per year for a 19-year-old driver.

How does 428xi insurance compare to similar vehicles?

When compared side-by-side to other popular midsize luxury cars, insurance prices for a BMW 428xi cost $454 more per year than the Lexus ES 350, $72 less than the Infiniti Q50, and $158 more than the Lincoln MKZ.

The BMW 428xi ranks 18th out of 53 comparison vehicles in the midsize luxury car segment for most affordable car insurance cost. The 428xi costs an estimated $2,072 per year for full coverage auto insurance and the category median rate is $2,227 per year, a difference of $155 per year.

The chart below shows how average BMW 428xi car insurance rates compare to the top 10 most popular midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Lincoln MKZ. A comprehensive table is included following the chart that shows insurance rankings for the entire midsize luxury car category.

Average 2016 BMW 428xi car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2016 BMW 428xi car insurance premium compared to other midsize luxury car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2016 model year BMW 428xi. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all BMW 428xi trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

BMW 428xi Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$454
2Acura ILX$1,686-$386
3Lexus IS 300$1,792-$280
4Volvo S80$1,834-$238
5Mercedes-Benz C350E$1,842-$230
6Lexus RC 300$1,856-$216
7Audi A3$1,888-$184
8Mercedes-Benz AMG CLA45$1,910-$162
9Lincoln MKZ$1,914-$158
10Lexus ES 300H$1,924-$148
11Audi A6$1,936-$136
12Mercedes-Benz CLA250$1,982-$90
13BMW 528i$2,020-$52
14Lexus GS 350$2,036-$36
15Mercedes-Benz E350$2,062-$10
16Audi S4$2,064-$8
17Mercedes-Benz SLK55 AMG$2,068-$4
18BMW 428xi$2,072--
19Jaguar XF$2,084$12
20Cadillac ELR$2,090$18
21Mercedes-Benz C450 AMG$2,100$28
22BMW 428i$2,106$34
23Audi S5$2,116$44
24Hyundai Genesis$2,130$58
25BMW 528xi$2,138$66
26Infiniti Q50$2,144$72
27BMW 535xi$2,150$78
28BMW 435xi$2,174$102
29Mercedes-Benz E250$2,192$120
30Mercedes-Benz SL400$2,210$138
31BMW Active 5$2,218$146
32BMW 435i$2,224$152
33BMW 535d$2,250$178
34Mercedes-Benz E400$2,300$228
35BMW 535i$2,308$236
36Mercedes-Benz E550$2,320$248
37Audi S6$2,358$286
38BMW 550i$2,362$290
39Mercedes-Benz CLS400$2,436$364
40BMW 550xi$2,452$380
41Mercedes-Benz SL550$2,456$384
42BMW 640i$2,490$418
43Audi A7$2,504$432
44BMW 640xi$2,510$438
45BMW M5$2,518$446
46Audi S7$2,522$450
47Tesla Model S$2,590$518
48Mercedes-Benz S550E$2,594$522
49BMW 650xi$2,610$538
50Lexus GS F$2,622$550
51BMW M6$2,796$724
52Mercedes-Benz SL63 AMG$2,876$804
53Mercedes-Benz SL65 AMG$3,584$1,512

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 27, 2025