What You Should Know About BMW 328i Insurance

Despite the fact that the BMW 328i is a high-end and high-performance car, the cost of insurance is competitive and cheaper than other luxury brands such as Aston Martin and Rolls-Royce. The vehicle’s safety features and overall strong scores in government crash testing account for this. Despite the fact that the BMW is a high-end vehicle, it does not have a high theft rate.

Insurance companies take safety data into account when establishing prices for a BMW vehicle insurance policy. Four and five star ratings were given to the BMW, with five being the highest attainable score. The BMW received a “good” safety rating from the IIHS (Insurance Institute for Highway Safety), which is the institute’s highest rating.

The Top Five Insurance Firms

According to Automobile.com, the following are the top choices when looking for insurance companies with the best rates:

  • Geico
  • State Farm Insurance
  • Progressive
  • Allstate
  • AAA

The BMW 328i’s Average Monthly Insurance Rates

The average cost of vehicle insurance premiums in all states has been broken down by Cheap Car Insurance. The information provided is based on public insurance state filings.

According to the website, the average monthly premium for a BMW is $147, compared to $94 for a Ford Edge SE and $280 for a Mercedes CL600. Maine has the lowest insurance at $96 per year, while Georgia has the most costly insurance at $279 per year, according to the statistics.

According to Finder.com, the average cost is $2413 per year and $201 per month. Differential premium rates are influenced by a number of variables.

In contrast, according to statistics from 2013 to 2016, the average yearly cost for complete coverage on a BMW 328i is $1538, with monthly expenditures of $128. The BMW 328i was rated 15th out of 29 automobiles for having the most cheap car insurance premiums at the time.

Because a quotation is an estimate of the monthly/yearly cost based on various criteria, comparing quotes from different insurance companies is the best way to discover the best insurance rate for the BMW. When looking at insurance providers, there are a few factors to think about:

Each state has its own insurance coverage requirements. Learn about the regulations in your state to ensure that all criteria are completed while avoiding paying for coverage that isn’t required.

Use the same information about coverage limits and deductibles for each insurance company when getting quotations.

Inquire with each insurance provider about any discounts available, including as senior, military, good student, federal, renters, and good driver discounts, that may reduce the cost of the premium.

Other factors to consider that might help you save money on your insurance rate include:


Car insurance may be combined with other plans, such as homeowner’s insurance, to minimise premiums.

Plan for your family or group

A group insurance plan may help families with numerous drivers save money on their insurance.

Increasing Your Credit Score

The credit score of a person may be used by insurance companies to calculate premium prices. The higher your credit score, the simpler it will be to secure a better rate.

Course on Defensive Driving

Enrolling in a defensive driving course is an activity that insurance carriers consider when establishing rates for drivers with a spotty driving record.

Features of Safety

Insurance companies also take into account a vehicle with anti-theft and safety equipment.

The Most Expensive States to Insure a BMW 328i

The following are the ten states with the highest and lowest average insurance premium costs, according to Zimlon.com.

  • ($3100) Georgia
  • ($3000) Michigan
  • ($2700) Louisiana
  • $2400 in Oklahoma
  • ($2300) Montana
  • Kentucky is worth $2200.
  • $2100 in Connecticut)
  • ($2000) West Virginia
  • The Commonwealth of Pennsylvania ($2000)
  • The state of New Jersey ($2000)
  • BMW 328i Insurance Rates in Less Expensive States
  • $1100 in Iowa
  • ($1100) Maine
  • ($1200) Ohio
  • ($1300) Indiana

North Carolina ($1300) is a state in the United States.

  • ($1300) Wisconsin
  • ($1400) Colorado
  • ($1400) Florida
  • ($1400) Illinois

New Hampshire ($1400) is a state in the United States.

Buying Car Insurance Online: Some Pointers

Allstate offers numerous suggestions to help you discover the finest vehicle insurance coverage at the greatest price:

Information that is available

When looking for free auto insurance quotes online, be prepared to answer questions about the automobile, such as the make, model, and year, as well as the vehicle’s mileage and safety features. Information about your driver’s licence may also be required.

Comparisons of Coverage

Know what kind of coverages will be included in the insurance ahead of time. Liability automobile insurance, comprehensive and collision insurance, medical coverage, personal injury protection, uninsured motorist protection, rental reimbursement coverage, and towing and labour coverage are all examples of insurance coverage.

Deductibles and Limits

To ensure that the car is appropriately insured in the case of a claim, be aware of the policy’s limitations. When it comes to the deductible, the bigger the deductible, the cheaper the rate. The disadvantage is that if repairs are required, the out-of-pocket cost will be greater.


As previously said, insurance companies often provide certain discounts that may assist decide the premium rate and give a lesser cost for people who qualify.

Consult an Insurance Agent

While you may use the internet to research insurance companies and seek free quotes, speaking with an agent in person, over the phone, or through chat enables you to ask any questions you have and receive a quick response. A face-to-face meeting with an agent may help you build a long-term connection with someone who can help you with current and future insurance requirements, policy changes, and claim scenarios.

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