Pay Less for BMW M235i Insurance: Rates and Insights for 2025

How much does car insurance on a BMW M235i cost? We analyze average rates from the M235i Convertible to the xDrive Coupe trim level to see how insurance prices rank when compared to the rest of the small luxury car segment.

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  • BMW M235i insurance costs an average of $1,934 per year or around $161 per month, depending on driver age.
  • With the cheapest insurance rates, the M235i Convertible trim level costs an average of $1,818 per year to insure.
  • At the high end, the M235i xDrive Coupe is the most expensive to insure at $2,062 for an annual policy.
  • The BMW M235i is one of the more expensive small luxury cars to insure, costing $17 more per year on average when compared to the rest of the segment.

How much does BMW M235i insurance cost?

BMW M235i car insurance costs on average $1,934 a year, or $161 on a monthly basis. Expect to pay approximately $17 more per year for BMW M235i insurance as compared to the average rate for small luxury cars, and $287 less per year than the $2,221 national average.

The chart below illustrates average car insurance rates on a M235i using an assortment of different driver ages and risk profiles.

Average 2016 BMW M235i insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2016 BMW M235i 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 M235i 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 M235i trim levels.

2016 BMW M235i Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,410$368
Safe Driver Age 20$3,872$323
At-fault Accidents Age 40$2,718$227
Low Deductibles Age 40$2,554$213
Safe Driver Age 30$2,064$172
Safe Driver Age 40$1,934$161
Safe Driver Age 50$1,712$143
High Deductibles Age 40$1,618$135
Discount Rate Age 40$1,608$134
Safe Driver Age 60$1,604$134

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 M235i trim levels. Updated June 27, 2025

The next table breaks down average full coverage auto insurance rates for a BMW M235i from the 2014 to the 2016 model years and different driver age groups.

BMW M235i Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 BMW M235i$5,460$2,712$2,242
2023 BMW M235i$5,196$2,578$2,134
2022 BMW M235i$5,082$2,518$2,084
2016 BMW M235i$3,872$1,934$1,604
2015 BMW M235i$3,988$1,972$1,644
2014 BMW M235i$3,790$1,872$1,560

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 M235i trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2014 to 2024 BMW M235i models for drivers age 20, 40 and 60
Average insurance rates for 2014 to 2024 BMW M235i models for drivers age 20, 40 and 60

The next table shows the average annual and 6-month car insurance policy prices, plus a monthly budget estimate, for each BMW M235i model and trim level.

2016 BMW M235i Insurance Rates by Trim Level
2016 BMW M235i Trim Level Annual Premium Cost Per Month
Convertible$1,818$152
xDrive Convertible$1,856$155
Coupe$2,000$167
xDrive Coupe$2,062$172

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 27, 2025

Insurance cost by trim level for a 2016 BMW M235i ranging from the Convertible model at $1,818 per year to the xDrive Coupe model at $2,062
Insurance cost by trim level for a 2016 BMW M235i ranging from the Convertible model at $1,818 per year to the xDrive Coupe model at $2,062

Where do BMW M235i insurance prices rank?

The BMW M235i ranks 16th out of 26 total vehicles in the 2016 small luxury car class for most affordable car insurance cost. The M235i costs an estimated $1,934 per year for a full coverage policy, while the segment median price is $1,917 annually, a difference of $17 per year.

When compared side-by-side to other popular small luxury cars, car insurance rates for a BMW M235i cost $48 less per year than the Mercedes-Benz C300, $168 more than the Volvo S60, and $134 more than the Acura TLX.

The following chart shows how insurance cost for a BMW M235i compares to the best-selling small luxury cars in America like the Audi A4, Lexus IS 350, and the BMW i3. A rankings table is also included following the chart that breaks down average auto insurance rates for the entire small luxury car class.

Average 2016 BMW M235i car insurance premium compared to other small luxury car models.
Figure 2: Average 2016 BMW M235i car insurance premium compared to other small luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2016 model year BMW M235i. 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 M235i trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

BMW M235i Insurance Cost Compared to All Small Luxury Cars
Rank Make and Model Annual Premium Difference
1BMW 228xi$1,616-$318
2Mercedes-Benz SLK 300$1,758-$176
3Volvo S60$1,766-$168
4Acura TLX$1,800-$134
5BMW 228i$1,826-$108
6BMW i3$1,834-$100
7Audi S3$1,854-$80
8BMW 340i$1,874-$60
9BMW 335xi$1,884-$50
10BMW 328i$1,892-$42
11Lexus CT 200H$1,896-$38
12Audi A4$1,906-$28
13BMW 320i$1,908-$26
14Mercedes-Benz SLK 350$1,920-$14
15BMW 328d$1,932-$2
16BMW M235i$1,934--
17Lexus RC 200T$1,942$8
18Cadillac ATS$1,950$16
19Mercedes-Benz B250E$1,968$34
20Mercedes-Benz C300$1,982$48
21BMW 328xi$2,000$66
22Lexus RC 350$2,004$70
23BMW 330e$2,010$76
24Lexus IS 200T$2,038$104
25Lexus GS 200T$2,168$234
26Lexus IS 350$2,172$238

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 M235i insurance rates and insights

  • High-risk auto insurance costs a lot more. For a 50-year-old driver, the need to buy a high-risk policy can increase the cost by $2,232 or more per year.
  • Save money by qualifying for discounts. Discounts may be available if the policyholders insure their home and car with the same company, take a defensive driving course, insure multiple vehicles on the same policy, drive low annual mileage, or many other discounts which could save the average driver as much as $326 per year on the cost of insuring a BMW M235i.
  • Obey driving laws to save money. If you want to pay the cheapest possible M235i insurance rates, it’s necessary to avoid traffic tickets. In fact, just a few minor moving violations have the potential to increase M235i insurance rates by at least $504 per year. Serious infractions such as hit-and-run could raise rates by an additional $1,766 or more.
  • As you age, car insurance rates tend to get cheaper. The difference in insurance rates for a M235i between a 60-year-old driver ($1,604 per year) and a 20-year-old driver ($3,872 per year) is $2,268, or a savings of 82.8%.
  • Get cheaper rates because of your occupation. The large majority of insurance companies offer discounts for having a job in professions like members of the military, dentists, college professors, firefighters, high school and elementary teachers, and others. Qualifying for this discount could potentially save between $58 and $175 on your yearly auto insurance bill, subject to the policy coverages selected.
  • Teenage drivers are expensive to insure. Average BMW M235i insurance for teenagers costs $6,788 per year for a 16-year-old driver, $6,592 per year for a 17-year-old driver, $5,942 per year for a 18-year-old driver, and $5,404 per year for a 19-year-old driver.