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BMW 228I Car Insurance

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The BMW 228i is a compact German coupe combining sportiness and refinement. Powered by a turbocharged engine, it appeals to drivers seeking a dynamic ride in an agile format, while enjoying the prestige and craftsmanship associated with the Bavarian brand.

BMW 228I CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW 228i fluctuate significantly, ranging between $650 (2023) and $1669 (2026), without a clear linear trend. This variability may reflect changes in insured driver profiles or in the volume of available data from year to year.

To find the best insurance for your BMW 228I vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW 228I cost in Quebec?

City differences are pronounced for the BMW 228i: Montreal shows the highest premium ($3457), followed by Brossard ($2206) and Laval ($2192), while Saint-Jean-sur-Richelieu ($426) and Lévis ($653) post the lowest amounts among the provided cities.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
GATINEAU $860.56
LAVAL $2191.73
LÉVIS $653.41
MONTRÉAL $3457.13
QUÉBEC $1326.53
SAINT-JÉRÔME $0

Frequently asked questions (FAQ)

How much does it cost to insure a BMW 228i?
The average premium varies considerably by year, ranging from $650 in 2023 to $1669 in 2026. In 2025, the average stood at $1372.
Has the BMW 228i premium changed a lot over the years?
Yes, the data shows strong volatility with no stable trend: $911 in 2021, a peak of $1558 in 2022, a drop to $650 in 2023, then a climb back up to $1669 in 2026.
Which city has the highest insurance cost for a BMW 228i?
Based on the provided data, Montreal shows the highest premium at $3457, well above other cities such as Lévis ($653) or Saint-Jean-sur-Richelieu ($426).
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why does the BMW 228i premium vary so much by city?
Traffic density, claim frequency, and theft risk specific to each region strongly influence premiums, explaining the gap between Montreal ($3457) and cities like Saint-Jean-sur-Richelieu ($426).
What factors influence the cost of insuring a BMW 228i?
Its status as a compact sports vehicle, the cost of German OEM parts, and the turbocharged engine's power are elements that can drive up the premium compared to a standard sedan.
How can I lower the insurance cost for a BMW 228i?
Comparing quotes from several insurers remains the most reliable approach, given the significant differences observed by city and year for this model.

Offers received by our customers on BMW 228I cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/08/2026