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BMW 328D Car Insurance

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The BMW 328d is a compact luxury sedan powered by a fuel-efficient diesel engine, blending refined comfort with the brand's signature sporty dynamics. It appeals to drivers seeking fuel efficiency without sacrificing BMW's characteristic driving enjoyment.

BMW 328D CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW 328d fluctuate, moving from $1754 to a peak of $2067 in 2022, dropping to $1517 in 2024, then rising sharply to $2410 in 2026. This variability reflects irregular adjustments rather than a linear trend.

To find the best insurance for your BMW 328D vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW 328D cost in Quebec?

Premiums vary widely by city: Laval ($3753) and Terrebonne ($2965) show the highest amounts, while Quebec City ($662) and Gatineau ($909) offer the lowest premiums for the BMW 328d. Repentigny ($2571) and Sherbrooke ($2166) fall between these extremes.

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 $919.96
LAVAL $3752.87
MONTRÉAL $1085.11
QUÉBEC $661.63
REPENTIGNY $2570.87
SHERBROOKE $2166.21
TERREBONNE $2964.58

Frequently asked questions (FAQ)

How much does insurance cost for a BMW 328d?
The average premium for a BMW 328d varies by year, ranging from $1517 in 2024 to $2410 in 2026, with a fluctuating average around $1900 over the available period.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why does the BMW 328d premium fluctuate so much year to year?
Premiums for the 328d swing between $1517 and $2410 over the 2021-2026 period, which may result from changes in repair costs, claim frequency, or insurer adjustments.
Which city offers the lowest insurance cost for a BMW 328d?
Based on the data provided, Quebec City ($662) and Gatineau ($909) post the lowest average premiums for this model.
Why is the premium much higher in Laval than in Quebec City?
In Laval, the premium reaches $3753, compared to just $662 in Quebec City. This significant gap may reflect differences in traffic density, claim frequency, and theft rates between regions.
What factors influence the premium for a BMW 328d?
The cost of diesel-specific parts, the vehicle's replacement value, and its sporty driving profile are key factors influencing 328d premiums.
How can I lower my premium for a BMW 328d?
Comparing quotes from several insurers, especially across regions with wide differences like Laval and Quebec City, can help find a more advantageous premium.

Offers received by our customers on BMW 328D 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