- BMW 435i car insurance averages $2,280 per year or around $190 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 $2,244 per year. The most expensive model to insure is the Convertible at $2,298 annually.
- When compared to other midsize luxury cars, the BMW 435i is one of the cheaper midsize luxury cars to insure, costing $1 less per year on average.
How much does BMW 435i insurance cost?
BMW 435i insurance rates average $2,280 yearly, or around $190 if paid each month. Drivers can expect to pay about $1 less per year to insure a BMW 435i compared to the midsize luxury cars average rate, and $4 more per year than the all-vehicle national average of $2,276.
The rate chart below details average 2016 BMW 435i car insurance rates using different risk profiles and driver ages.
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.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2016 BMW 435i | $4,602 | $2,280 | $1,894 |
| 2015 BMW 435i | $4,384 | $2,166 | $1,800 |
| 2014 BMW 435i | $3,986 | $1,976 | $1,642 |
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 October 24, 2025
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Coupe | $2,244 | $187 |
| Gran Coupe | $2,294 | $191 |
| Convertible | $2,298 | $192 |
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 October 24, 2025
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 $2,280 per year for full coverage car insurance, while the class median rate is $2,281 annually, a difference of $1 per year.
When insurance prices are compared to other midsize luxury car models, insurance rates for a BMW 435i cost $622 more per year than the Lexus ES 350, $84 more than the Infiniti Q50, and $322 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Lexus ES 350 | $1,658 | -$622 |
| 2 | Acura ILX | $1,726 | -$554 |
| 3 | Lexus IS 300 | $1,836 | -$444 |
| 4 | Volvo S80 | $1,880 | -$400 |
| 5 | Mercedes-Benz C350E | $1,886 | -$394 |
| 6 | Lexus RC 300 | $1,902 | -$378 |
| 7 | Audi A3 | $1,930 | -$350 |
| 8 | Mercedes-Benz AMG CLA45 | $1,954 | -$326 |
| 9 | Lincoln MKZ | $1,958 | -$322 |
| 10 | Lexus ES 300H | $1,972 | -$308 |
| 11 | Audi A6 | $1,984 | -$296 |
| 12 | Mercedes-Benz CLA250 | $2,028 | -$252 |
| 13 | BMW 528i | $2,070 | -$210 |
| 14 | Lexus GS 350 | $2,084 | -$196 |
| 15 | Audi S4 | $2,102 | -$178 |
| 16 | Mercedes-Benz E350 | $2,116 | -$164 |
| 17 | BMW 428xi | $2,120 | -$160 |
| 18 | Mercedes-Benz SLK55 AMG | $2,136 | -$144 |
| 19 | Cadillac ELR | $2,142 | -$138 |
| 20 | Mercedes-Benz C450 AMG | $2,150 | -$130 |
| 21 | Jaguar XF | $2,152 | -$128 |
| 22 | BMW 428i | $2,160 | -$120 |
| 23 | Audi S5 | $2,168 | -$112 |
| 24 | Hyundai Genesis | $2,184 | -$96 |
| 25 | BMW 528xi | $2,188 | -$92 |
| 26 | Infiniti Q50 | $2,196 | -$84 |
| 27 | BMW 535xi | $2,204 | -$76 |
| 28 | BMW 435xi | $2,230 | -$50 |
| 29 | Mercedes-Benz E250 | $2,244 | -$36 |
| 30 | Mercedes-Benz SL400 | $2,264 | -$16 |
| 31 | BMW Active 5 | $2,268 | -$12 |
| 32 | BMW 435i | $2,280 | -- |
| 33 | BMW 535d | $2,302 | $22 |
| 34 | Mercedes-Benz E400 | $2,356 | $76 |
| 35 | BMW 535i | $2,360 | $80 |
| 36 | Mercedes-Benz E550 | $2,376 | $96 |
| 37 | Audi S6 | $2,398 | $118 |
| 38 | BMW 550i | $2,416 | $136 |
| 39 | Mercedes-Benz CLS400 | $2,492 | $212 |
| 40 | BMW 550xi | $2,510 | $230 |
| 41 | Mercedes-Benz SL550 | $2,516 | $236 |
| 42 | BMW 640i | $2,552 | $272 |
| 43 | Audi A7 | $2,562 | $282 |
| 44 | BMW 640xi | $2,570 | $290 |
| 45 | BMW M5 | $2,576 | $296 |
| 46 | Audi S7 | $2,584 | $304 |
| 47 | Tesla Model S | $2,650 | $370 |
| 48 | Mercedes-Benz S550E | $2,658 | $378 |
| 49 | BMW 650xi | $2,676 | $396 |
| 50 | Lexus GS F | $2,688 | $408 |
| 51 | BMW M6 | $2,866 | $586 |
| 52 | Mercedes-Benz SL63 AMG | $2,946 | $666 |
| 53 | Mercedes-Benz SL65 AMG | $3,672 | $1,392 |
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 October 24, 2025