BMW M235i Car Insurance Rates – 2022 Prices + Comparisons

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 $1,478 per year or around $123 per month, depending on driver age.
  • With the cheapest insurance rates, the M235i Convertible trim level costs an average of $1,386 per year to insure.
  • At the high end, the M235i xDrive Coupe is the most expensive to insure at $1,576 for an annual policy.
  • The BMW M235i is one of the more expensive small luxury cars to insure, costing $9 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 $1,478 a year, or $123 on a monthly basis. Expect to pay approximately $9 more per year for BMW M235i insurance as compared to the average rate for small luxury cars, and $89 less per year than the $1,567 national average.

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

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Chart Data Details: 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. Physical damage 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.Data last updated on December 1, 2022
BMW M235i Insurance Cost Summary
BMW M235i Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,366$281
Safe Driver Age 20$2,944$245
At-fault Accidents Age 40$2,076$173
Low Deductibles Age 40$1,952$163
Safe Driver Age 30$1,562$130
Safe Driver Age 40$1,478$123
Safe Driver Age 50$1,348$112
Safe Driver Age 60$1,324$110
High Deductibles Age 40$1,236$103
Discount Rate Age 40$1,228$102

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
2022 BMW M235i$3,668$1,852$1,650
2016 BMW M235i$2,944$1,478$1,324
2015 BMW M235i$3,102$1,550$1,388
2014 BMW M235i$2,894$1,446$1,296

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Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 1, 2022
BMW M235i Insurance Cost by Model Year

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 Cost by Trim Level
BMW M235i Trim Level Annual Policy 6-month Policy Per Month
Convertible$1,386$693$116
xDrive Convertible$1,426$713$119
Coupe$1,528$764$127
xDrive Coupe$1,576$788$131

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Table Data Details: Average rates are for a 2016 BMW M235i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 1, 2022
BMW M235i Insurance Cost by Trim Level

Where do BMW M235i insurance prices rank?

The BMW M235i ranks #15 out of 26 total vehicles in the 2016 small luxury car class for most affordable car insurance cost. The M235i costs an estimated $1,478 per year for a full coverage policy, while the segment median price is $1,469 annually, a difference of $9 per year.

When compared side-by-side to other popular small luxury cars, car insurance rates for a BMW M235i cost $42 less per year than the Mercedes-Benz C300, $128 more than the Volvo S60, and $98 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2016 model year BMW M235i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all BMW M235i trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 1, 2022
BMW M235i vs Top 10 Small Luxury Cars Insurance Rate Comparison
BMW M235i Insurance Cost Compared to All Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1BMW 228xi$1,236-$242
2Mercedes-Benz SLK 300$1,346-$132
3Volvo S60$1,350-$128
4Acura TLX$1,380-$98
5BMW 228i$1,400-$78
6BMW i3$1,408-$70
7Audi S3$1,420-$58
8BMW 340i$1,440-$38
9BMW 335xi$1,444-$34
10BMW 328i$1,448-$30
11BMW 320i$1,452-$26
12Lexus CT 200H$1,454-$24
13Audi A4$1,460-$18
14Mercedes-Benz SLK 350$1,474-$4
15BMW M235i$1,478--
16BMW 328d$1,480$2
17Lexus RC 200T$1,484$6
18Cadillac ATS$1,496$18
19Mercedes-Benz B250E$1,506$28
20Mercedes-Benz C300$1,520$42
21BMW 328xi$1,536$58
22BMW 330e$1,542$64
23Lexus RC 350$1,544$66
24Lexus IS 200T$1,562$84
25Lexus GS 200T$1,666$188
26Lexus IS 350$1,668$190

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 $1,734 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 $250 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 $384 per year. Serious infractions such as hit-and-run could raise rates by an additional $1,360 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 ($1,324 per year) and a 20-year-old driver ($2,944 per year) is $1,620, or a savings of 55%.
  • 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 $44 and $133 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 $5,232 per year for a 16-year-old driver, $4,914 per year for a 17-year-old driver, $4,600 per year for a 18-year-old driver, and $4,178 per year for a 19-year-old driver.