Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 22, 2020

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What do you get when you combine the fuel efficiency of an electric car engine with the high performance of a sexy sports car and the luxury you would expect from a high-end auto manufacturer? You’ll get the BMW i8.

Unfortunately, you are also likely to get substantially higher auto insurance rates on your BMW i8 auto insurance policy. BMW insurance rates are already high. But don’t worry; we are here to help.

If you’re sick and tired of paying an arm and a leg for insurance on this luxury, sporty, fuel-efficient vehicle, we can show you ways to lower your monthly premium. Just enter your zip code into our FREE tool now to compare BMW i8 auto insurance quotes.

A Brief History of the BMW i8

Unlike the compact, practical, hatchback design of its little sister, the i3, the BMW i8 plug-in hybrid sports cars strive to compete with similar models from companies like Tesla.

It has been in production since 2014 and comes in a 2-door coupe body style. The i8 can go from 0 to 60 in under 4.4 seconds.

However, the range of the vehicle in EV mode is limited to about 15 miles, and still requires a small amount of gasoline consumption to even get that far.

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BMW i8 in the News

The upcoming 2019 models of the BMW i8 are going to add a bigger battery pack to the engine as a result of customer feedback.

This will increase the total capacity of the engine to just under 12kWh, as opposed to the 7kWh capacity of previous models. It will also expand the coupe’s electric traveling range up to 18 total miles.

With any luck, this change will make the average American’s work commute possible while running the car in EV Mode, helping drivers to consume less gasoline and get a better MPG out of the i8 model.

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Comparing BMW i8 Auto Insurance

One of the most important things that determine whether your car insurance comes with a very affordable – or expensive – price tag is the area where you park your car at night. Specifically, your ZIP code.

Different insurance companies have risk profiles for every zip code in the regions where they service their customers.

The more risk factors that exist in your area – such as high population, rates of theft, or even the amount of rush hour traffic you have to drive through every day – can substantially raise or lower your monthly premium depending on perceived risk.

BMW i8 Auto Insurance Rates by State Legend: BMW i8 Iowa Arizona Oregon Missouri Texas 15 30 45 60 75 90 105 120 135 150 165 180 $81 $144 $80 $188 $192

Speaking of perceived risk, not all car insurance companies perceive risks in the same light. That’s why there’s no one perfect BMW i8 auto insurance company.

One company may care more about your driving history than your credit score, will another may charge you a higher rate because you share the road with a substantially larger number of other drivers then you would if you lived in a nearby city.

In order to find out what sort of risk your personal profile conveys to your insurance provider, you have to compare quotes between at least three different agencies near you.

You may be surprised by how much their prices will vary.

BMW i8 Auto Insurance Rates by Company Legend: BMW i8 State Farm Allstate Farmers MetLife Esurance 15 30 45 60 75 90 105 120 135 150 165 $169 $167 $81 $119 $127

For better for worse, there’s a popular stereotype which claims that fast cars often attract fast drivers. The BMW i8 may have a limited range in EV mode, but that 0 to 60 in 4 seconds statistic may tempt many drivers to go a little heavy on the accelerator.

Unfortunately, this can be dangerous for your insurance premiums.

The more infractions you have on your driving history – even if they’re just speeding tickets – the more you can expect to pay for your monthly premiums. This in turn poses a significant risk to your monthly budget.

How Speeding Tickets Spike Insurance Premiums Legend: Speeding Tickets Clean Record State Farm Allstate Farmers MetLife Esurance 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 $183 $169 $371 $167 $174 $81 $230 $119 $170 $127

Clearly, the quickest and easiest way to save money on your BMW i8 car insurance premiums is to compare quotes for multiple companies in your area.

In just a few minutes, our high-performance quote generator can find the best deals near you. It sure beats waiting 3 to 5 years to clean up your driving record, beef up your credit score, or perform any of the other time-consuming tasks to lower your risk profile.

Ready to buy BMW i8 auto insurance? Enter your ZIP code now and we’ll help you find affordable BMW i8 auto insurance today.

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