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BMW 428I 2016 Car Insurance

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The 2016 BMW 428i is a sport-luxury coupe combining elegance, dynamic handling, and refined technology. Positioned in the compact premium segment, it appeals to drivers seeking precise driving dynamics and everyday prestige.

BMW 428I 2016 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the 2016 BMW 428i fluctuate significantly, dropping from $2385 to $1351 in 2022, rising back to $2864 in 2025, then settling at $2021 in 2026. This volatility reflects changes in repair costs and risk profiles rather than a steady trend.

To find the best insurance for your BMW 428I 2016 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW 428I 2016 cost in Quebec?

Premiums are highest in Longueuil ($5230), Montreal ($4843), and Terrebonne ($4046), while Trois-Rivières ($924) and Repentigny ($1775) show the lowest amounts. The gap between these cities is substantial, exceeding $4000.

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
LAVAL $3495.39
LONGUEUIL $5229.66
MONTRÉAL $1396.64
REPENTIGNY $1775.15
TERREBONNE $4045.68
TROIS-RIVIÈRES $924.32

Frequently asked questions (FAQ)

How much does insurance cost for a 2016 BMW 428i?
The average premium for a 2016 BMW 428i has varied considerably, reaching $2864 in 2025 and settling at $2021 in 2026, based on the data available.
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 do premiums for the 2016 BMW 428i vary so much year to year?
Premiums dropped from $2385 in 2021 to $1351 in 2022, then rose to $2864 in 2025, illustrating fluctuations tied to repair costs, vehicle age, and evolving risk profiles rather than a linear trend.
Which city offers the lowest insurance cost for a 2016 BMW 428i?
Based on the data provided, Trois-Rivières ($924) and Repentigny ($1775) show the lowest average premiums for this model.
Why are premiums so high in Longueuil and Montreal?
Longueuil ($5230) and Montreal ($4843) show the highest premiums, likely due to urban density, traffic volume, and higher claim frequency.
What factors influence the premium for a 2016 BMW 428i?
Specialized parts costs, replacement value, and its classification as a sport-luxury coupe contribute to a premium generally above mainstream vehicle averages.
How can I reduce my premium for a 2016 BMW 428i?
Comparing quotes from multiple insurers and checking premiums by city of residence can reveal significant differences, as seen between Longueuil ($5230) and Trois-Rivières ($924).

Offers received by our customers on BMW 428I 2016 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: 08/13/2026

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