2025 Guide to BMW 435i Insurance Rates: Insights & Comparisons

How much are BMW 435i car insurance rates? We analyze average rates for the 435i Coupe, Convertible, and Gran Coupe models to find out how prices compare to other midsize luxury cars.

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  • BMW 435i car insurance averages $2,224 per year or around $185 per month, but vary considerably based on the trim level.
  • Generally, the cheapest BMW 435i insurance is on the base Coupe trim level costing an average of $2,192 per year. The most expensive model to insure is the Convertible at $2,244 annually.
  • When compared to other midsize luxury cars, the BMW 435i is one of the cheaper midsize luxury cars to insure, costing $3 less per year on average.

How much does BMW 435i insurance cost?

BMW 435i insurance rates average $2,224 yearly, or around $185 if paid each month. Drivers can expect to pay about $3 less per year to insure a BMW 435i compared to the midsize luxury cars average rate, and $3 more per year than the all-vehicle national average of $2,221.

The rate chart below details average 2016 BMW 435i car insurance rates using different risk profiles and driver ages.

Average 2016 BMW 435i insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2016 BMW 435i insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2016 model year BMW 435i 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 435i trim levels.

2016 BMW 435i Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,122$427
Safe Driver Age 20$4,492$374
At-fault Accidents Age 40$3,156$263
Low Deductibles Age 40$2,892$241
Safe Driver Age 30$2,370$198
Safe Driver Age 40$2,224$185
Safe Driver Age 50$1,974$165
High Deductibles Age 40$1,880$157
Safe Driver Age 60$1,848$154
Discount Rate Age 40$1,846$154

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 435i trim levels. Updated June 27, 2025

The rate table below breaks down average insurance rate data for a BMW 435i for the 2014 to 2016 model years for five different age groups.

BMW 435i Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2016 BMW 435i$4,492$2,224$1,848
2015 BMW 435i$4,278$2,116$1,756
2014 BMW 435i$3,890$1,930$1,604

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 435i trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2014 to 2016 BMW 435i models for drivers age 20, 40 and 60
Average insurance rates for 2014 to 2016 BMW 435i models for drivers age 20, 40 and 60

The table below details annual and semi-annual average car insurance rates for the different trims available for the 2016 BMW 435i.

2016 BMW 435i Insurance Rates by Trim Level
2016 BMW 435i Trim Level Annual Premium Cost Per Month
Coupe$2,192$183
Gran Coupe$2,240$187
Convertible$2,244$187

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 435i ranging from the Coupe model at $2,192 per year to the Convertible model at $2,244
Insurance cost by trim level for a 2016 BMW 435i ranging from the Coupe model at $2,192 per year to the Convertible model at $2,244

How do BMW 435i insurance rates rank?

The BMW 435i ranks 32nd out of 53 total comparison vehicles in the 2016 midsize luxury car category for most affordable auto insurance rates. The 435i costs an average of $2,224 per year for full coverage car insurance, while the class median rate is $2,227 annually, a difference of $3 per year.

When insurance prices are compared to other midsize luxury car models, insurance rates for a BMW 435i cost $606 more per year than the Lexus ES 350, $80 more than the Infiniti Q50, and $310 more than the Lincoln MKZ.

The next chart shows how insurance cost for a BMW 435i compares to the best-selling midsize luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Infiniti Q50. We also added a more comprehensive rate table after the chart that breaks down insurance cost rankings for all 53 vehicles in the 2016 midsize luxury car segment.

Average 2016 BMW 435i car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2016 BMW 435i 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 435i. 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 435i trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

BMW 435i Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$606
2Acura ILX$1,686-$538
3Lexus IS 300$1,792-$432
4Volvo S80$1,834-$390
5Mercedes-Benz C350E$1,842-$382
6Lexus RC 300$1,856-$368
7Audi A3$1,888-$336
8Mercedes-Benz AMG CLA45$1,910-$314
9Lincoln MKZ$1,914-$310
10Lexus ES 300H$1,924-$300
11Audi A6$1,936-$288
12Mercedes-Benz CLA250$1,982-$242
13BMW 528i$2,020-$204
14Lexus GS 350$2,036-$188
15Mercedes-Benz E350$2,062-$162
16Audi S4$2,064-$160
17Mercedes-Benz SLK55 AMG$2,068-$156
18BMW 428xi$2,072-$152
19Jaguar XF$2,084-$140
20Cadillac ELR$2,090-$134
21Mercedes-Benz C450 AMG$2,100-$124
22BMW 428i$2,106-$118
23Audi S5$2,116-$108
24Hyundai Genesis$2,130-$94
25BMW 528xi$2,138-$86
26Infiniti Q50$2,144-$80
27BMW 535xi$2,150-$74
28BMW 435xi$2,174-$50
29Mercedes-Benz E250$2,192-$32
30Mercedes-Benz SL400$2,210-$14
31BMW Active 5$2,218-$6
32BMW 435i$2,224--
33BMW 535d$2,250$26
34Mercedes-Benz E400$2,300$76
35BMW 535i$2,308$84
36Mercedes-Benz E550$2,320$96
37Audi S6$2,358$134
38BMW 550i$2,362$138
39Mercedes-Benz CLS400$2,436$212
40BMW 550xi$2,452$228
41Mercedes-Benz SL550$2,456$232
42BMW 640i$2,490$266
43Audi A7$2,504$280
44BMW 640xi$2,510$286
45BMW M5$2,518$294
46Audi S7$2,522$298
47Tesla Model S$2,590$366
48Mercedes-Benz S550E$2,594$370
49BMW 650xi$2,610$386
50Lexus GS F$2,622$398
51BMW M6$2,796$572
52Mercedes-Benz SL63 AMG$2,876$652
53Mercedes-Benz SL65 AMG$3,584$1,360

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