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Cheapest Bmw 328 Car Insurance (Apr 2024)
Cheapest Bmw 328 Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Bmw 328
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
How much does Bmw 328 car insurance cost?
On average, BMW 328 drivers spend $108 per month on state minimum car insurance and $227 per month on full coverage policies.
Vehicle type | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
BMW 328 | $108 | $227 |
However, the average rates are deceptively simple. The BMW 328 isn’t a model, but a trim level within the venerable BMW 3 Series lineage. Furthermore, it comes in several different subtypes (including the 328i, 328d, 328xi, xDrive, and Sulev variants) and four different body types: a sedan, a coupe, a sports wagon, and a GT.
All these factors and more—including your vehicle’s model year, your desired coverage level, and your insurance history—will produce vastly different insurance costs for different drivers.
We’ll do our best to summarize the most essential insurance information for the BMW 328 family, but you should always refer to personalized
car insurance quotes
to get a feel for what you’ll be paying. Comparing multiple prices will help you budget accurately and find the lowest rates.Compare the cheapest Bmw 328 car insurance quotes
This may feel complicated, but it doesn’t have to be.
Jerry
is a car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Bmw 328 drivers save an average of $0 per year on their car insurance. Check out the table below to see real, free quotes that real people have gotten from Jerry.
| Date | Car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
April 27, 2024 | BMW 328 XI | Travelers | $239 | Paul, 23 | • State Minimum Liability |
April 19, 2024 | BMW 328 XI | Nationwide | $162 | Billy, 41 | • 100,000/300,000 Liability • Comp / Collision |
April 17, 2024 | BMW 328 i | State Auto | $107 | Vernon, 27 | • State Minimum Liability |
April 13, 2024 | BMW 328 XI | Progressive | $226 | Estella, 40 | • No Coverage Liability |
April 9, 2024 | BMW 328 XI Sulev | AAA | $154 | Amelia, 30 | • 50,000/100,000 Liability |
Last Updated Apr 27, 2024However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Bmw 328, you’ll need to
get car insurance quotes
from at least three insurance companies. The best car insurance companies for Bmw 328 owners
There’s no single best insurance company for all Bmw 328 owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
. But that doesn’t mean we can’t find the best insurance company for you.
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Bmw 328?
The average cost of Bmw 328 insurance is $2,724 per year for full coverage and $1,269 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.
Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
Bmw 328 | $2,724 | $1,269 |
Learn more about car insurance for other models
Why are some trims more expensive to insure than others?
Higher vehicle trims generally make use of luxury materials, advanced technology, and powerful engines. All three drive up repair and insurance costs.
Extras also make a difference. Here’s a key to the different options available for the BMW 328 and what they mean:
- i/d: The BMW 328 is always either a 328i or 328d. The difference is their fuel types: the 328i takes gas, while the 328d takes diesel. As the more expensive, more fuel-efficient option, the 328d model costs more to insure.
- xDrive/xi: BMW’s version of all-wheel-drive adds enhanced traction and handling to the 328, which also makes it a more expensive drivetrain to maintain and insure. Fifth-gen and earlier models (basically anything from before 2008) add a lowercase ‘x’ to AWD models, as in “328xi.”
- SULEV: SULEV stands for “Super Ulter Low Emissions Vehicle,” and true to its name, a BMW with this moniker runs 90% cleaner on average. Because they’re more expensive and less popular, they’re a bit more expensive to insure.
- Ci/GT: The coupe and Gran Tourismo versions of the BMW 328 are designated by “ci” and “GT”, while the sedan and wagon don’t have any special initials. The more expensive and rare the body, the harder it is to find parts (and the more they cost). For the cheapest insurance costs, stick with the plain sedan and avoid the GT.
The BMW 328 occupies the low-to-middle rungs of the trim ladder. The table below shows the average cost of car insurance for the most popular BMW 328 variants.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
328 BMW Ci | $97 | $260 |
328 BMW D | $93 | $116 |
328 BMW D xDrive | $80 | $181 |
328 BMW i | $104 | $206 |
328 BMW i Sulev | $96 | $215 |
328 BMW i xDrive | $104 | $215 |
328 BMW i xDrive Sulev | $101 | $207 |
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Sean S.
Bmw 328 insurance cost by model year
The more recently your Bmw 328 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Bmw 328s provided by Jerry to better understand how your driver profile might affect your cost.
2018 Bmw 328 car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2018 BMW 328 D | $349 | Allie, 37 Loganville, GA | • 50,000/100,000 Liability | |
2018 BMW 328 D xDrive | $98 | Phoebe, 43 Winter Garden, FL | • 100,000/300,000 Liability
• Comp / Collision | |
2018 BMW 328 D | $72 | Henry, 33 Tustin, CA | • State Minimum Liability | |
2018 BMW 328 D xDrive | $144 | Roy, 25 Cressona, PA | • State Minimum Liability |
2017 Bmw 328 car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2017 BMW 328 D | $75 | Curtis, 75 Tenino, WA | • 100,000/300,000 Liability
• Comp / Collision | |
2017 BMW 328 D xDrive | $232 | Frederick, 30 Colorado Springs, CO | • 100,000/300,000 Liability
• Comp / Collision |
2016 Bmw 328 car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2016 BMW 328 i Sulev | $159 | Victoria, 28 Huntsville, AL | • State Minimum Liability
• Comp / Collision | |
2016 BMW 328 XI Sulev | $93 | Angel, 32 Brick, NJ | • 50,000/100,000 Liability
• Comp / Collision | |
2016 BMW 328 XI Sulev | $155 | Emma, 31 Raleigh, NC | • 100,000/300,000 Liability
• Comp / Collision | |
2016 BMW 328 XI Sulev | $102 | David, 33 Bangor, ME | • State Minimum Liability
• Comp / Collision | |
2016 BMW 328 i Sulev | $127 | Mabelle, 30 Monroeville, OH | • 100,000/300,000 Liability
• Comp / Collision |
2015 Bmw 328 car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2015 BMW 328 XI Sulev | $248 | Phillip, 31 Houston, TX | • 50,000/100,000 Liability
• Comp / Collision | |
2015 BMW 328 XI Sulev | $119 | Alberta, 46 Washington, DC | • State Minimum Liability
• Comp / Collision | |
2015 BMW 328 XI | $253 | Mike, 28 New Fairfield, CT | • 100,000/300,000 Liability
• Comp / Collision | |
2015 BMW 328 XI Sulev | $144 | Blanche, 38 Cicero, IL | • State Minimum Liability
• Comp / Collision | |
2015 BMW 328 i | $196 | Bessie, 26 Newark, NJ | • 15,000/30,000 Liability |
2014 Bmw 328 car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2014 BMW 328 i | $104 | Timothy, 39 Austin, TX | • 50,000/100,000 Liability
• Comp / Collision | |
2014 BMW 328 i | $129 | Cole, 40 Mckinney, TX | • 100,000/300,000 Liability
• Comp / Collision | |
2014 BMW 328 i | $80 | Minnie, 30 Concord, NC | • State Minimum Liability
• Comp / Collision | |
2014 BMW 328 XI Sulev | $459 | Lester, 50 Philadelphia, PA | • 25,000/50,000 Liability
• Comp / Collision | |
2014 BMW 328 i Sulev | $480 | Harriett, 48 East Elmhurst, NY | • State Minimum Liability
• Comp / Collision |
2013 Bmw 328 car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$145 | Lou, 62 Alpharetta, GA | • 50,000/100,000 Liability
• Comp / Collision | ||
$114 | Edward, 27 Arlington, VA | • 50,000/100,000 Liability
• Comp / Collision | ||
$112 | Polly, 51 Cottage Grove, OR | • 100,000/300,000 Liability
• Comp / Collision | ||
2013 BMW 328 XI | $79 | Justin, 36 Denver, CO | • State Minimum Liability
• Comp / Collision | |
$166 | Eugenia, 44 Cordova, TN | • State Minimum Liability |
See all Bmw 328 insurance information by year
Are Bmw 328s expensive to insure?
The average Bmw 328 insurance rate is $168 per month. Compared to the national average for other models from a similar price range, it is less expensive to insure a Bmw 328.
Vehicle type | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$96 | $208 | |
BMW 328 | $108 | $227 |
$114 | $328 | |
$118 | $343 | |
$139 | $382 |
What other factors affect Bmw 328 insurance rates?
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
- Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.
Bmw 328 insurance cost for young drivers
Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents. 
Sean (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$243
per month
Warren (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$250
per month
Bmw 328 insurance cost for senior drivers
As you enter your mid-70s, car insurance costs begin to climb again.
Car insurance rates for seniors
tend to be higher for several reasons. Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
Jane (66 years old)
$150
per month
Gabriel (74 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$182
per month
Miguel (67 years old)
$157
per month
Susie (65 years old)
$159
per month
Bmw 328 insurance cost for drivers with driving violations
Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Bmw 328 drivers with speeding ticket
There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.
Jerry is proud to help Bmw 328 drivers with varying speeding tickets save on car insurance.
| Speeding Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding 1-5 | BMW 328 XI Sulev | Progressive | $288 | Ella, 30 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | BMW 328 i | Progressive | $319 | Grace, 22 | • 100,000/300,000 Liability |
Speeding 11-15 | BMW 328 i | Mercury | $196 | Nina, 21 | • 50,000/100,000 Liability |
Speeding 16-20 | BMW 328 XI Sulev | Safeco | $124 | Jon, 31 | • 30,000/60,000 Liability • Comp / Collision |
Speeding 21+ | BMW 328 i | Allstate | $95 | Roger, 23 | • State Minimum Liability |
Last Updated Apr 21, 2024Cheapest car insurance for Bmw 328 drivers with a DUI record
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Bmw 328 drivers obtain affordable auto insurance rates after a DUI.
Pearl (28 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$152
per month
Keith (28 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$216
per month
Birdie (26 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$153
per month
Marion (44 years old)
$78
per month
Warren (48 years old)
$101
per month
Cheapest car insurance for Bmw 328 drivers after an accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Bmw 328 drivers save on car insurance after car accidents.
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Not At Fault | BMW 328 XI | Progressive | $226 | Estella, 40 | • No Coverage Liability |
At Fault With Injury | BMW 328 i Sulev | Travelers | $200 | Carolyn, 34 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | BMW 328 D | Nationwide | $123 | Dylan, 36 | • State Minimum Liability |
At Fault With No Injury | BMW 328 XI | State Auto | $185 | Bertha, 36 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | BMW 328 XI Sulev | Bristol West | $209 | Charlotte, 37 | • 100,000/300,000 Liability |
Last Updated Apr 26, 2024Cheapest car insurance for Bmw 328 drivers with other driving violations on their record
Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.
We’ve compiled a list of various other driving violations and how we helped Bmw 328 drivers with these violations save on their car insurance.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | BMW 328 i Sulev | Progressive | $64 | Christine, 32 Washington, DC | • State Minimum Liability |
Defective Equipment | BMW 328 i Sulev | Nationwide | $111 | Henrietta, 37 | • State Minimum Liability • Comp / Collision |
Failure to Yield | BMW 328 XI | Safeco | $127 | Belle, 44 | • 50,000/100,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | BMW 328 i | Aspire Advantage | $198 | Pauline, 29 | • State Minimum Liability |
Cell Phone | BMW 328 i Automatic | First Acceptance | $248 | Phillip, 54 | • State Minimum Liability |
Careless Driving | BMW 328 XI | State Auto | $154 | Warren, 28 | • State Minimum Liability |
Driving on Sus. License | BMW 328 i Sulev | AAA | $364 | Lucille, 23 | • 30,000/60,000 Liability • Comp / Collision |
Failure to Obey Signal | BMW 328 i | Bristol West | $186 | Angel, 23 | • No Coverage Liability |
Improper Passing | BMW 328 i | Bristol West | $187 | Christine, 43 | • State Minimum Liability |
Last Updated Apr 26, 2024Compare insurance costs for other cars
How can I lower the cost of insurance for my car?
There are a variety of ways to lower insurance costs for your vehicle.
- Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Raise your deductible: Yourcar insurance deductibleis the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
- Reduce your coverage: If you have any older cars, you canreduce coverageon them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
- Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
- Bundle your insurance policies:Bundling your homeowners and auto insurancewith the same company can amount to a lower overall bill.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
