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BMW 428I Car Insurance

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The BMW 428i is an upscale sport coupe blending German elegance with dynamic road manners. Positioned in the premium segment, it appeals to drivers seeking prestige, balanced performance, and a refined everyday driving experience.

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

Between 2021 and 2026, premiums for the BMW 428i fluctuate noticeably, moving from $1960 to $1323, then back up to $1856, down to $1512, before reaching $1972 and finally $2023. Despite this volatility, the 2026 premium slightly exceeds the 2021 figure, suggesting an overall upward drift amid yearly instability.

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

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

Premiums are highest in Longueuil ($5230), Montreal ($3794), and Laval ($3743), while Trois-Rivières ($667) and Saguenay ($1019) are the most affordable. Repentigny ($2358) and Terrebonne ($2737) fall in a mid-range bracket, revealing a very pronounced geographic gap.

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 $1945.42
REPENTIGNY $2357.54
Saguenay $1019.41
TERREBONNE $2737.07
TROIS-RIVIÈRES $667.06

BMW 428I average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
BMW 428I 2016 $2012.38
BMW 428I 2015 $1766.48
BMW 428I 2014 $1605.13

Frequently asked questions (FAQ)

How much does auto insurance cost for a BMW 428i?
The average premium varies by year, ranging from $1323 in 2022 to a peak of $2023 in 2026. These fluctuations reflect changes in repair costs and the model's risk profile.
Are BMW 428i premiums stable over time?
No. Between 2021 and 2026, premiums fluctuate significantly, moving from $1960 to $1323, then climbing back to $2023, without a clear linear trend year to year.
Which city has the highest insurance cost for the BMW 428i?
Based on the data provided, Longueuil shows the highest premium at $5230, followed by Montreal ($3794) and Laval ($3743).
Where is insurance most affordable for this model?
Trois-Rivières ($667) and Saguenay ($1019) show the lowest average premiums among the provided cities, a very large gap compared to Longueuil.
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 can premiums for a BMW 428i vary so much by city?
Urban density, claim frequency, and theft rates differ significantly between regions, explaining the gap between Longueuil ($5230) and Trois-Rivières ($667).
How can I lower my premium for a BMW 428i?
Comparing multiple insurers, choosing a higher deductible, and bundling insurance policies can help reduce costs for a premium vehicle like the 428i.

Offers received by our customers on BMW 428I 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

Versions covered by this BMW 428I page

The premiums above cover every version of the BMW 428I, so that each average rests on enough quotes. Here are the versions this page includes.

Version Model years
428i 2DR 2014 - 2015
428i CABRIOLET 2014 - 2016
428i GRAN COUPE 4DR 2015 - 2016
428i xDrive 2DR AWD 2014 - 2016
428i xDrive CABRIOLET AWD 2014 - 2016
428i xDrive GRAN COUPE 4DR AWD 2015 - 2016

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