2015 BMW 640i Car Insurance Calculator

View in real-time how different driver, vehicle, and coverage options influence insurance rates for a 2015 BMW 640i. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2015 BMW 640i is $2,350 per year, or about $196 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

$2,350

Cost Per Month

$196

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 2015 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.

$2,350
Average Rate
Your Rate
$2,350

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 2015 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 2015 BMW 640i is $2,350.

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.

2015 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2015 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.

2015 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,652-$698
2Acura ILX$1,662-$688
3Audi A3$1,702-$648
4Infiniti Q40$1,706-$644
5Volvo S80$1,712-$638
6Lincoln MKZ$1,726-$624
7Mercedes-Benz SLK55 AMG$1,744-$606
8Mercedes-Benz CLA250$1,808-$542
9Mercedes-Benz CLA45 AMG$1,838-$512
10BMW 528xi$1,848-$502
11BMW 428xi$1,886-$464
12Audi A6$1,926-$424
13Audi S4$1,928-$422
14Mercedes-Benz C400$1,930-$420
15Mercedes-Benz E350$1,946-$404
16Lexus ES 300H$1,948-$402
17BMW 528i$1,956-$394
18Mercedes-Benz C350$1,966-$384
19Audi S5$1,978-$372
20BMW 428i$1,994-$356
21BMW 435xi$1,998-$352
22Mercedes-Benz SL400$2,016-$334
23Hyundai Genesis$2,030-$320
24Infiniti Q50$2,064-$286
25BMW Activehybrid 5$2,088-$262
26BMW 550i$2,094-$256
27Mercedes-Benz E550$2,098-$252
28Mercedes-Benz E400$2,110-$240
29BMW 435i$2,116-$234
30Audi RS 5$2,134-$216
31BMW 550xi$2,138-$212
2015 Midsize Luxury Car Average$2,143-$207
32Jaguar XF$2,162-$188
33Mercedes-Benz E250$2,166-$184
34BMW 535d$2,178-$172
35Lexus GS 350$2,180-$170
36BMW 535xi$2,196-$154
37BMW 535i$2,200-$150
38Mercedes-Benz CLS400$2,204-$146
39Mercedes-Benz SL550$2,238-$112
40Jaguar XK$2,274-$76
41BMW 640xi$2,286-$64
42Audi A7$2,294-$56
43Audi S6$2,318-$32
44BMW 640i$2,350--
45BMW 650xi$2,392$42
46Jaguar XKR$2,478$128
47Mercedes-Benz S550E$2,498$148
48BMW M5$2,512$162
49Mercedes-Benz SL63 AMG$2,580$230
50Tesla Model S$2,590$240
51BMW M6$2,594$244
52Audi S7$2,612$262
53Mercedes-Benz SLS AMG$3,310$960
54Mercedes-Benz SL65 AMG$3,360$1,010

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.

2015 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 BMW 640i Insurance Rates by Trim Level
2015 BMW 640i Trim Level Annual Premium Cost Per Month
Convertible$2,274$190
Coupe$2,334$195
Gran Coupe$2,448$204

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 2015 BMW 640i for different driver ages.

2015 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,465$705
17$8,206$684
18$7,355$613
19$6,686$557
20$5,115$426
21$4,878$407
22$4,364$364
23$3,567$297
24$3,373$281
25$2,734$228
30$2,508$209
35$2,416$201
40$2,350$196
45$2,198$183
50$2,082$174
55$1,944$162
60$1,950$163
65$2,082$174
70$2,254$188
75$2,656$221
80$3,288$274

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.