2014 BMW 640i Car Insurance Calculator

Explore and learn how different driver, vehicle, and coverage options affect the cost of insurance for a 2014 BMW 640i. Adjust factors such as policy coverages, liability limits, deductibles, and driver's age. Instantly see if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2014 BMW 640i is $2,196 per year, or about $183 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

$2,196

Cost Per Month

$183

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 2014 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.

$2,196
Average Rate
Your Rate
$2,196

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 2014 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 2014 BMW 640i is $2,196.

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.

2014 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2014 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.

2014 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$714
2Acura ILX$1,524-$672
3Lincoln MKZ$1,536-$660
4Acura TL$1,586-$610
5Lexus ES 350$1,718-$478
6Mercedes-Benz CLA250$1,768-$428
7Audi A6$1,802-$394
8Audi S5$1,810-$386
9Mercedes-Benz SLK55 AMG$1,816-$380
10Mercedes-Benz C350$1,888-$308
11Lexus ES 300H$1,902-$294
12BMW 435i$1,930-$266
13Mercedes-Benz E250$1,934-$262
14BMW 428xi$1,936-$260
15Mercedes-Benz E350$1,946-$250
16Infiniti Q50$1,952-$244
17Mercedes-Benz E400$1,956-$240
18Lexus GS 350$1,958-$238
19BMW 528xi$1,962-$234
20BMW 535i$1,972-$224
21Audi RS 5$1,978-$218
22BMW 428i$1,982-$214
23Mercedes-Benz CLA45 AMG$1,986-$210
24Hyundai Genesis$1,988-$208
25Volvo S80$1,994-$202
26BMW 435xi$2,000-$196
27BMW 535xi$2,008-$188
28BMW Activehybrid 5$2,036-$160
29Mercedes-Benz E550$2,042-$154
30Jaguar XF$2,050-$146
31Audi S6$2,064-$132
32Audi S4$2,066-$130
33Cadillac ELR$2,078-$118
34Jaguar XK$2,080-$116
35BMW 528i$2,084-$112
2014 Midsize Luxury Car Average$2,089-$107
36BMW 535d$2,094-$102
37BMW 550i$2,096-$100
38BMW 550xi$2,134-$62
39Audi A7$2,194-$2
40BMW 640i$2,196--
41BMW 640xi$2,224$28
42Mercedes-Benz SL550$2,258$62
43Audi S7$2,310$114
44BMW 650xi$2,390$194
45BMW M5$2,394$198
46Jaguar XKR$2,470$274
47BMW M6$2,498$302
48Tesla Model S$2,512$316
49Mercedes-Benz SL63 AMG$2,596$400
50Mercedes-Benz CL63 AMG$2,858$662
51Mercedes-Benz SL65 AMG$3,212$1,016
52Mercedes-Benz SLS AMG$3,390$1,194

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.

2014 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 BMW 640i Insurance Rates by Trim Level
2014 BMW 640i Trim Level Annual Premium Cost Per Month
Gran Coupe Sedan$2,166$181
Coupe$2,184$182
Convertible$2,240$187

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 2014 BMW 640i for different driver ages.

2014 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,894$658
17$7,650$638
18$6,850$571
19$6,233$519
20$4,767$397
21$4,547$379
22$4,068$339
23$3,330$278
24$3,147$262
25$2,554$213
30$2,340$195
35$2,256$188
40$2,196$183
45$2,052$171
50$1,944$162
55$1,816$151
60$1,822$152
65$1,944$162
70$2,104$175
75$2,480$207
80$3,064$255

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.