2013 BMW 640i Car Insurance Calculator

See and learn how changing risk factors influence insurance rates for a 2013 BMW 640i. Tweak settings like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately how much and why your choice impacts rates.

The average estimated car insurance premium for a 2013 BMW 640i is $2,126 per year, or about $177 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,126

Cost Per Month

$177

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW 640i Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 BMW 640i.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,126
Average Rate
Your Rate
$2,126

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 BMW 640i trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 BMW 640i is $2,126.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2013 BMW 640i against all other models in the midsize luxury car segment. The BMW 640i is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW 640i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 640i.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$692
2Acura TL$1,458-$668
3Acura ILX$1,492-$634
4Acura TSX$1,532-$594
5Volvo C70$1,558-$568
6Lincoln MKZ$1,578-$548
7Lexus GS 350$1,586-$540
8Lexus ES 350$1,614-$512
9Audi A6$1,618-$508
10Lexus ES 300H$1,640-$486
11Mercedes-Benz SLK55 AMG$1,654-$472
12Mercedes-Benz C350$1,692-$434
13Volvo S80$1,750-$376
14Infiniti G37$1,776-$350
15Audi S5$1,786-$340
16Mercedes-Benz E350$1,800-$326
17BMW 528xi$1,802-$324
18Hyundai Genesis$1,806-$320
19Infiniti M35$1,818-$308
20Jaguar XF$1,822-$304
21Mercedes-Benz E550$1,848-$278
22Mercedes-Benz E400$1,858-$268
23Infiniti M37$1,864-$262
24BMW 535xi$1,886-$240
25BMW 550xi$1,906-$220
26Audi S4$1,912-$214
27BMW 528i$1,914-$212
28BMW Activehybrid 5$1,926-$200
29BMW 535i$1,958-$168
2013 Midsize Luxury Car Average$1,963-$163
30Audi RS 5$1,966-$160
31BMW 550i$1,980-$146
32Jaguar XK$1,996-$130
33Mercedes-Benz SL550$2,010-$116
34Audi S6$2,064-$62
35BMW 640i$2,126--
36Mercedes-Benz S400$2,152$26
37Audi S7$2,170$44
38Audi A7$2,194$68
39Tesla Model S$2,266$140
40Jaguar XKR$2,298$172
41Mercedes-Benz S350$2,324$198
42BMW M6$2,334$208
43BMW 650xi$2,370$244
44BMW M5$2,380$254
45Mercedes-Benz SL63 AMG$2,572$446
46Mercedes-Benz CL63 AMG$2,820$694
47Mercedes-Benz SLS AMG$2,920$794
48Mercedes-Benz SL65 AMG$3,012$886

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 BMW 640i.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 BMW 640i Insurance Rates by Trim Level
2013 BMW 640i Trim Level Annual Premium Cost Per Month
Coupe$2,032$169
Gran Coupe$2,072$173
Convertible$2,188$182
Gran Coupe Sedan$2,218$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 BMW 640i for different driver ages.

2013 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,653$638
17$7,392$616
18$6,580$548
19$6,008$501
20$4,589$382
21$4,378$365
22$3,912$326
23$3,227$269
24$3,044$254
25$2,470$206
30$2,266$189
35$2,188$182
40$2,126$177
45$1,994$166
50$1,888$157
55$1,762$147
60$1,766$147
65$1,884$157
70$2,044$170
75$2,420$202
80$2,982$249

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW 640i trim levels.