BMW 228xi Car Insurance Cost 2025
On average, insuring a BMW 228xi costs $2,100 annually. However, the exact premium may differ depending on factors like your age, the car’s model year, and other variables. Refer to our quote tables below to estimate your specific costs.
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Insuring a BMW 228xi typically costs more than insuring an average sedan, largely due to its status as a luxury compact car with sporty performance and high-end features. On average, drivers can expect to pay between $2,100 and $3,500 per year for coverage, depending on variables like location, age, driving record, and insurance provider.
The car’s premium parts and advanced technology can increase repair costs, leading insurers to charge higher premiums. While it’s more affordable to insure than other BMW performance models, the 228xi still comes with above-average insurance costs, making it important to shop around for competitive quotes.
How Much Does BMW 228xi Car Insurance Cost?
BMW 228xi drivers typically pay an average of $2,100 annually for car insurance.
While Nationwide’s rate offers a useful benchmark, it’s important to understand that car insurance costs can vary significantly due to several factors. These factors include your location, driving history, car age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, whereas a history of accidents or traffic infractions can raise rates.
Additionally, living in a busy urban area typically leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium – comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of BMW 228xi By Model Year
| Model Year | Average Premium |
| 2025 BMW 228xi | $3,613 |
| 2024 BMW 228xi | $3,550 |
| 2023 BMW 228xi | $2,250 |
| 2022 BMW 228xi | $1,591 |
| 2021 BMW 228xi | $1,834 |
| 2020 BMW 228xi | $1,103 |
2025 BMW 228xi Insurance Rates
The average annual insurance cost for a 2025 BMW 228xi is $3,613. However, Nationwide offers the cheapest rates, averaging $2,180 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $2,180 |
| New York Central Mutual Fire | $2,280 |
| USAA | $2,350 |
| State Farm | $2,680 |
| Erie | $3,070 |
| Travelers | $3,560 |
| Hanover | $5,320 |
| Allstate | $5,430 |
| Chubb | $3,532 |
| Unitrin | $5,730 |
2024 BMW 228xi Insurance Rates
The average annual insurance cost for a 2024 BMW 228xi is $3,550. However, Nationwide offers the cheapest rates, averaging $2,209 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $5,777 |
| New York Central Mutual Fire | $2,322 |
| Allstate | $5,295 |
| State Farm | $2,677 |
| Nationwide | $2,209 |
| USAA | $2,338 |
| Erie | $2,889 |
| Travelers | $3,027 |
| Hanover | $3,532 |
| Chubb | $5,429 |
2023 BMW 228xi Insurance Rates
The average annual insurance cost for a 2023 BMW 228xi is $2,250. However,Texas Farm Bureau Group offers the cheapest rates, averaging $1,756 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $1,840 |
| Unitrin | $1,796 |
| California Capital | $1,808 |
| USAA | $2,060 |
| Auto Club | $2,812 |
| State Farm | $3,012 |
| Texas Farm Bureau Group | $1,756 |
| Farmers | $2,371 |
| Grange | $2,694 |
| Alliance United | $2,300 |
Find Affordable BMW 228xi Insurance Rates
2022 BMW 228xi Insurance Rates
The average annual insurance cost for a 2022 BMW 228xi is $1,591. However, Virginia Farm Bureau offers the cheapest rates, averaging $907 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,368 |
| Texas Farm Bureau Group | $1,746 |
| Virginia Farm Bureau | $907 |
| MO Farm Bureau Services | $1,862 |
| National General | $2,317 |
| Electric | $1,987 |
| Capital Insurance Group | $1,074 |
| Safeco | $1,472 |
| GMAC Insurance Group | $1,699 |
| North Carolina Farm Bureau | $1,473 |
2021 BMW 228xi Insurance Rates
The average annual insurance cost for a 2021 BMW 228xi is $1,834. However, Plymouth Rock offers the cheapest rates, averaging $704 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,726 |
| Plymouth Rock | $704 |
| Texas Farm Bureau Group | $1,419 |
| GMAC Insurance Group | $1,575 |
| Auto-Owners Insurance Co | $2,241 |
| Mercury Insurance Company | $2,413 |
| Country | $2,472 |
| Hastings Mutual Insurance Co | $2,404 |
| North Carolina Farm Bureau | $1,398 |
| Penn National | $1,989 |
2020 BMW 228xi Insurance Rates
The average annual insurance cost for a 2020 BMW 228xi is $1,103. However, Safeco offers the cheapest rates, averaging $97 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $1,057 |
| Virginia Farm Bureau | $1,201 |
| West Bend Mutual | $1,292 |
| SECURA Insurance | $1,330 |
| American National P | $1,066 |
| Safeco | $97 |
| North Carolina Farm Bureau | $1,121 |
| Rural Mutual Insurance | $1,391 |
| Texas Farm Bureau Group | $1,206 |
| Farm Bureau Mutual (IA Group) | $1,264 |
Find Affordable BMW 228xi Insurance Rates
Are BMW 228xis Expensive To Insure?
Yes, the BMW 228xi typically costs more to insure than the average car. As a luxury compact with sporty performance and premium features, it comes with higher repair and replacement costs, which can drive up insurance premiums. Factors like its turbocharged engine, advanced tech, and brand reputation also contribute to the cost. However, rates can vary widely depending on your driving history, age, location, and the level of coverage you choose. While not as costly as higher-end BMW models, the 228xi is still considered a pricier vehicle to insure compared to standard sedans or economy cars.
Cheapest Car Insurance Companies For A BMW 228xi
These insurance providers offer some of the most competitive rates for the BMW 228xi in 2025. Nationwide stands out with the lowest estimated annual premium, making it an attractive option for cost-conscious drivers. USAA and New York Central Mutual Fire also provide affordable rates, closely following Nationwide. State Farm and Erie complete the list, offering reasonable premiums that balance cost with coverage. It’s important to note that actual insurance costs can vary based on factors such as driving history, location, and selected coverage options. Therefore, it’s advisable to obtain personalized quotes from these providers to determine the best fit for your specific needs.
| Insurance Company | Annual Premium |
| USAA | $196 |
| New York Central Mutual Fire | $190 |
| State Farm | $223 |
| Erie | $238 |
| Nationwide | $182 |
Common BMW 228xi Insurance Discounts
Discounts can be an effective way to reduce your car insurance costs. While each insurance provider has its own unique discounts, there are several common ones you can explore:
- Multi-policy discounts: Combining your home and auto insurance policies with a single provider often results in lower rates.
- Annual payment discounts: Paying your premium in full, instead of monthly installments, can earn you savings.
- Defensive driving discounts: Completing a defensive driving course through a certified institution can make you eligible for reduced rates.
Additionally, there may be other discounts tailored to your situation. Consult with your insurance agent to identify the discounts you qualify for and maximize your savings.
Compare BMW 228xi To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top providers. The sample profile featured a 40-year-old male purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that these figures may differ from your individual results due to factors such as age, location, driving record, and chosen coverage.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW 228xi ?
Yes, you will need to provide proof of insurance before you can drive your BMW 228xi out of the dealership. It’s best to purchase a policy beforehand and then inform your insurance company that you are about to buy the car, rather than relying on the dealership to arrange insurance for you. This way, you ensure that you’re covered as soon as you drive the car off the lot.
How Can You Get The Cheapest Insurance For Your BMW 228xi ?
The best way to find the cheapest rates for your BMW 228xi is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right on our website, making it easier for you to find the best deal based on your needs and driving profile.
