The BMW 3-Series has long been considered the standard in luxury sedan styling and performance, and the 2012 328i Sedan continues this tradition admirably. Car and Driver named the BMW 3-Series one of its “Ten Best,” and there is no doubt that the 328i meets this description. With a base sticker cost of $38,700, this car is definitely a financial investment, but most reviewers say it is well worth the price.

2012 BMW 328i Sedan

BMW keeps the six-cylinder engine for the 328i, which improves fuel economy. The 328i averages 18 miles per gallon in the city and 28 on the highway; for a mid-sized luxury sedan this is a respectable fuel efficiency rating. The engine is an inline straight six 3.0-liter with 230 available horsepower, promising a powerful driving experience. Manual six-speed transmission gives drivers full control over the engine’s range of power.

Besides its other advantages, the 328i is simply a good-looking car. With its unusual rear-wheel drive, traction control, and stability control, it is enjoyable to drive, as well. The standard alloy wheels and summer-season tires, the optional sun or moon roof, and the impressive body styling all add to the visual appeal of the 328i. Electronic stability and traction control contribute to the smooth handling of the BMW 328i.

Once you get inside the 328i, however, you will find the cabin which makes BMW famous for luxury and comfort. Standard features include a slightly longer and wider cabin for more rear legroom, the iDrive® system which controls all driving and climate functions, and over 11 cubic feet of trunk space. Other standard features include a fantastic standard stereo system which can be upgraded to a premium stereo system. Leather seats are not standard, but the vinyl seats are very comfortable. Other standard features include rain-sensing wipers, HID headlights, cruise control, outside temperature indicator, dusk-sensing headlights, remote power locks, power windows, and trip computer which records average speed, fuel economy, and fuel range. Bucket front seats are amply spaced, although some reviewers note that the back seat lacks sufficient legroom for taller passengers.

BMW 328i Sedan Warranty

BMW covers all its vehicles with a four-year, 50,000-mile powertrain warranty, a full four years of free maintenance for routine procedures, and four years of roadside assistance. BMW also includes a 12-year rust protection warranty. Repair costs for the fourth and fifth year are estimated at $1,255, but this will involve mostly maintenance costs incurred after the warranty no longer covers these jobs. Based on trends over the years 2009-2011, J. D. Power awarded the BMW 3-Series a predicted reliability rating of 6.0 out of 10.

BMW 328i Sedan Safety

Standard safety equipment for the BMW 328i Sedan includes anti-lock brakes and electronic stability control. Front and side driver and passenger airbags are also standard, along with brake wipers, a feature unavailable on any line of cars but the BMW. The 2010 3-Series scored four out of five stars in federal government frontal crash tests and five out of five stars in side crash testing.

How much does car insurance cost for a BMW 328i Sedan?

Car insurance costs for the 2012 BMW 328i run about $1,549 per year. By comparison, the 2012 Mercedes C 250 averages $1,469 per year and the Hyundai Genesis averages $1,562 per year. Given the original sticker price and resale value, the BMW tends to cost more to insure per dollar spent on the vehicle than more expensive models.

By entering your ZIP code above, you will receive quotes from several reputable insurance companies for automobile insurance on your new BMW 328i. As you shop for insurance, there are several things to keep in mind.

First, you must insure your car according to your state’s laws, and this means buying at least the minimum required liability insurance. Liability limits are set by the individual states, and each state has different requirements, so be sure you understand your state’s laws. Any insurance companies giving you quotes should offer you at least the state minimum requirement for your location. You may choose to increase these limits to protect your assets if your state has tort liability laws.

Another thing to consider when buying car insurance is what optional coverage you will choose. Most drivers elect to take out uninsured motorist coverage; in some states, this is required. Uninsured motorist coverage is usually purchased with the same limits as your liability policy. Another optional coverage is comprehensive insurance, which pays if your car is stolen or damaged in some way other than as the result of an accident. Finally, collision coverage pays for damage to your vehicle if you cause an accident.