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BMW 228xi Car Insurance Cost 2025

On average, insuring a BMW 228xi costs $2,209 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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Updated: 14 January 2025

Written by Bob Phillips

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When considering purchasing a BMW 228xi, one important factor to keep in mind is the cost of insurance. On average, insurance for a BMW 228xi costs $2,209 per year. Insurance plays a significant role in car ownership, and it’s essential to grasp the financial implications before making a decision.

Selecting the appropriate car insurance is vital to prevent unforeseen and potentially costly surprises down the road. It’s crucial to have adequate coverage in the event of an accident to avoid substantial out-of-pocket expenses. Moreover, being deemed at fault in an accident could lead to higher premiums.

With over a decade of experience analyzing car insurance rates, I’ve noticed the considerable variation in these costs. Your age, driving record, and location are all key factors that can influence your insurance premiums.

How Much Does A BMW 228xi Car Insurance Cost?

BMW 228xi drivers typically pay an average of $2,209 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
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

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

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?

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.

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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.