Find Cheaper BMW 328i Insurance in Tucson

If saving the most money is your goal, then the best way to save on BMW 328i insurance in Tucson is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Arizona.

The most important part of shopping around is to make sure you’re comparing the same level of coverage on every quote request and and to compare as many auto insurance providers as possible. This enables a fair price comparison and a thorough price selection.

Insurance quote for BMW 328i in TucsonIt’s hard to believe, but most drivers in Arizona kept their policy with the same company for four years or more, and almost half have never even shopped around for cheaper coverage. With the average car insurance premium being $1,847, American drivers could save about $859 a year by just comparing quotes, but they underestimate the large savings they would see if they switch to a new company.

Car insurance policy discounts for BMW 328i insurance in Tucson

Car insurance is neither fun to buy or cheap, but you can get discounts to help bring down the price. Some trigger automatically when you purchase, but some discounts are required to be asked for prior to getting the savings.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, it’s just not the way it works.

The information below visualizes the comparison of BMW 328i insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, safe-driver, multi-car, and marriage discounts applied.

A list of companies and their possible discounts are included below.

Before buying, ask each company what discounts are available to you. Some discounts listed above may not apply to policyholders in Tucson. If you would like to see a list of insurers with the best discounts in Arizona, click here to view.

The most recommended method to get rate comparisons for BMW 328i insurance in Tucson takes advantage of the fact most larger insurance companies have advanced systems to give free rates quotes. All you need to do is give the companies some data such as how your vehicles are used, how much education you have, the year, make and model of vehicles, and an estimate of your credit level. Your details is instantly submitted to multiple different insurance companies and they provide comparison quotes immediately.

To start a rate quote now, click here and complete the quick form.

The providers in the list below have been selected to offer free quotes in Tucson, AZ. If you want the best cheap car insurance in Tucson, it’s highly recommended you get price quotes from several of them to get a more complete price comparison.

Insurance data for a BMW 328i

The premium information displayed below highlights estimates of insurance policy prices for BMW 328i models. Having insight into how auto insurance policy rates are figured can be valuable when making smart choices when buying a policy.


BMW 328i Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $208 $426 $362 $22 $108 $1,126 $94
328I 4-Dr Sedan $208 $426 $362 $22 $108 $1,126 $94
328I Station Wagon $232 $492 $308 $18 $92 $1,142 $95
328I 2-Dr Coupe $232 $492 $308 $18 $92 $1,142 $95
328I 2-Dr Coupe $232 $492 $308 $18 $92 $1,142 $95
328I xDrive 4-Dr Sedan $232 $492 $362 $22 $108 $1,216 $101
328I xDrive 4-Dr Sedan $232 $492 $362 $22 $108 $1,216 $101
328I 2-Dr Convertible $232 $492 $362 $22 $108 $1,216 $101
328I 2-Dr Convertible $232 $492 $362 $22 $108 $1,216 $101
328I 2-Dr Coupe $232 $492 $308 $18 $92 $1,142 $95
328I xDrive 2-Dr Coupe $232 $492 $308 $18 $92 $1,142 $95
328I xDrive Station Wagon $232 $492 $308 $18 $92 $1,142 $95
Get Your Own Custom Quote Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location information which can raise or lower price quotes greatly.

Policy deductible comparison

One of the hardest decisions when shopping for insurance is how high should your deductibles be. The comparison tables below may help you to understand the premium difference when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.


BMW 328i insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
328I 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
328I Station Wagon $324 $632 $254 $16 $76 $1,327 $111
328I 2-Dr Coupe $324 $632 $254 $16 $76 $1,327 $111
328I 2-Dr Coupe $324 $632 $254 $16 $76 $1,327 $111
328I xDrive 4-Dr Sedan $324 $632 $300 $18 $90 $1,389 $116
328I xDrive 4-Dr Sedan $324 $632 $300 $18 $90 $1,389 $116
328I 2-Dr Convertible $324 $632 $300 $18 $90 $1,389 $116
328I 2-Dr Convertible $324 $632 $300 $18 $90 $1,389 $116
328I 2-Dr Coupe $324 $632 $254 $16 $76 $1,327 $111
328I xDrive 2-Dr Coupe $324 $632 $254 $16 $76 $1,327 $111
328I xDrive Station Wagon $324 $632 $254 $16 $76 $1,327 $111
Get Your Own Custom Quote Go

BMW 328i insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
328I 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
328I 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
328I Station Wagon $180 $334 $254 $16 $76 $860 $72
328I 2-Dr Coupe $180 $334 $254 $16 $76 $860 $72
328I 2-Dr Coupe $180 $334 $254 $16 $76 $860 $72
328I xDrive 4-Dr Sedan $180 $334 $300 $18 $90 $922 $77
328I xDrive 4-Dr Sedan $180 $334 $300 $18 $90 $922 $77
328I 2-Dr Convertible $180 $334 $300 $18 $90 $922 $77
328I 2-Dr Convertible $180 $334 $300 $18 $90 $922 $77
328I 2-Dr Coupe $180 $334 $254 $16 $76 $860 $72
328I xDrive 2-Dr Coupe $180 $334 $254 $16 $76 $860 $72
328I xDrive Station Wagon $180 $334 $254 $16 $76 $860 $72
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in zip code location which can revise premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $38 more each month or $456 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 24 months between claims, you would probably come out ahead going with the higher deductible.

Driving violations and accidents

The illustration below shows how speeding tickets and fender-benders can increase BMW 328i insurance premiums for different ages of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Difference between full coverage and liability only rates

The information below visualizes the comparison of BMW 328i insurance rates when comparing full coverage to state minimum liability only. The premiums assume no violations or claims, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no written rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your BMW 328i replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If you are paying more than $800 a year for full coverage, then you might consider buying liability only.

There are some cases where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.

Informed Drivers Know How to Buy Insurance More Affordably

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help determine the rates you pay for insurance. If you know what influences your rates, this enables informed choices that could help you find big savings. Lots of factors are part of the equation when you quote your car insurance policy. Some are obvious such as your driving history, but others are not as apparent like your vehicle usage or your vehicle rating.

Shown below are a partial list of the pieces insurance companies consider when setting rates.

Lower performance equals lower insurance prices – The performance level of the car you drive makes a substantial difference in your premium level. The cheapest insurance rates are usually found on low performance passenger vehicles, but that’s not the only thing that factors into the final price.

The chart below assumes a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares BMW 328i insurance rates compared to other vehicles that have different performance risks.

Liability insurance is important – Liability coverage is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so buy as much as you can afford.

Keep rates low by being claim-free – Car insurance companies in Arizona provide most affordable rates to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for the large, substantial claims.

Teen vs. mature drivers – Beginning drivers in Arizona have a tendency to be inattentive when driving with friends so they pay higher insurance rates. Having to add a beginning driver onto your insurance can break the bank. Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Raising coverage deductibles saves money – Coverage for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some coverage claims are a broken side mirror, collision with an animal, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money you are required to spend if a covered claim is submitted. The higher the amount you choose to pay out-of-pocket, the less your insurance will be.

Never allow your insurance policy to lapse – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, getting caught without coverage could result in a steep fine or even jail time.

Qualify for multi-policy discounts – Most insurance companies will award discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to ensure the best deal.

Alarms and GPS tracking lower insurance rates – Choosing to buy a car with a theft deterrent system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.

Independent versus exclusive car insurance agents

Certain consumers just prefer to get advice from a local agent and that can be a great decision The best thing about getting free rate quotes online is that you can obtain cheaper prices but also keep your business local.

Insurance agency in TucsonOnce you complete this short form, your coverage information is transmitted to agents in your area who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go immediately to your email address. Get lower rates without a big time investment. If you want to get a rate quote for a specific company, you can always jump over to their website and fill out their quote form.

Finding the right insurance company needs to be determined by more than just the quoted price. Any agent in Tucson should be willing to answer these questions.

Different types of Tucson car insurance agents

When searching for a reputable agency, it’s important to understand the different types of agencies and how they can service your needs differently. Car insurance policy providers may be either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive agents generally can only insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to compare other company’s rates so they have to upsell other benefits. Exclusive agencies are highly trained on the products they sell and that allows them to sell at a higher price point.

Below are Tucson exclusive agencies who can help you get comparison quotes.

Tim Hill – State Farm Insurance Agent
727 N Swan RdTucson, AZ 85711(520) 321-1333View Map


2860 W Ina Rd Ste 104Tucson, AZ 85741(520) 742-6683View Map


4319 E Broadway BlvdTucson, AZ 85711(520) 323-0017View Map

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Independent Agents (or Brokers)

These type of agents are not employed by any specific company so they can write business with multiple insurance companies and find the cheapest car insurance rates. If prices rise, they simply move your policy to a different company which is easy for the insured. When comparing car insurance rates, we recommend you contact independent agents to get the best comparison.

Below is a short list of independent insurance agencies in Tucson that are able to give comparison quotes.


51 W Wetmore Rd #101Tucson, AZ 85705(520) 396-4727View Map


6245 E Broadway BlvdSte 310Tucson, AZ 85711(520) 624-3456View Map


6992 E Broadway BlvdTucson, AZ 85710(520) 571-1900View Map

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Here’s why auto insurance is not optional

Despite the potentially high cost of BMW 328i insurance, insurance may be required for several reasons.

The benefits of buying auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. As of last year, the average driver in Arizona is overpaying more than $700 annually so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.

Lower rates by being persistent

We just showed you some good ideas how to save on BMW 328i insurance in Tucson. The key thing to remember is the more you quote Tucson car insurance, the better likelihood of getting cheaper Tucson car insurance quotes. You may even be surprised to find that the best price on car insurance is with an unexpected company. They may only write in your state and offer lower prices than their larger competitors like Allstate or State Farm.

Lower-priced car insurance in Tucson is definitely available online in addition to many Tucson insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not provide rates over the internet and most of the time these regional carriers provide coverage only through independent agents.

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