2016 BMW 640i Car Insurance Calculator

Monitor in real-time how life choices influence insurance rates for a 2016 BMW 640i. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if your rates increased or decreased.

The average estimated car insurance premium for a 2016 BMW 640i is $2,490 per year, or about $208 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

$2,490

Cost Per Month

$208

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 2016 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.

$2,490
Average Rate
Your Rate
$2,490

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 2016 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 2016 BMW 640i is $2,490.

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.

2016 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$872
2Acura ILX$1,686-$804
3Lexus IS 300$1,792-$698
4Volvo S80$1,834-$656
5Mercedes-Benz C350E$1,842-$648
6Lexus RC 300$1,856-$634
7Audi A3$1,888-$602
8Mercedes-Benz AMG CLA45$1,910-$580
9Lincoln MKZ$1,914-$576
10Lexus ES 300H$1,924-$566
11Audi A6$1,936-$554
12Mercedes-Benz CLA250$1,982-$508
13BMW 528i$2,020-$470
14Lexus GS 350$2,036-$454
15Mercedes-Benz E350$2,062-$428
16Audi S4$2,064-$426
17Mercedes-Benz SLK55 AMG$2,068-$422
18BMW 428xi$2,072-$418
19Jaguar XF$2,084-$406
20Cadillac ELR$2,090-$400
21Mercedes-Benz C450 AMG$2,100-$390
22BMW 428i$2,106-$384
23Audi S5$2,116-$374
24Hyundai Genesis$2,130-$360
25BMW 528xi$2,138-$352
26Infiniti Q50$2,144-$346
27BMW 535xi$2,150-$340
28BMW 435xi$2,174-$316
29Mercedes-Benz E250$2,192-$298
30Mercedes-Benz SL400$2,210-$280
31BMW Active 5$2,218-$272
32BMW 435i$2,224-$266
2016 Midsize Luxury Car Average$2,227-$263
33BMW 535d$2,250-$240
34Mercedes-Benz E400$2,300-$190
35BMW 535i$2,308-$182
36Mercedes-Benz E550$2,320-$170
37Audi S6$2,358-$132
38BMW 550i$2,362-$128
39Mercedes-Benz CLS400$2,436-$54
40BMW 550xi$2,452-$38
41Mercedes-Benz SL550$2,456-$34
42BMW 640i$2,490--
43Audi A7$2,504$14
44BMW 640xi$2,510$20
45BMW M5$2,518$28
46Audi S7$2,522$32
47Tesla Model S$2,590$100
48Mercedes-Benz S550E$2,594$104
49BMW 650xi$2,610$120
50Lexus GS F$2,622$132
51BMW M6$2,796$306
52Mercedes-Benz SL63 AMG$2,876$386
53Mercedes-Benz SL65 AMG$3,584$1,094

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.

2016 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 BMW 640i Insurance Rates by Trim Level
2016 BMW 640i Trim Level Annual Premium Cost Per Month
Coupe$2,490$208
Gran Coupe$2,490$208
Convertible$2,492$208

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 2016 BMW 640i for different driver ages.

2016 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,889$741
17$8,625$719
18$7,754$646
19$7,046$587
20$5,400$450
21$5,150$429
22$4,615$385
23$3,772$314
24$3,571$298
25$2,898$242
30$2,660$222
35$2,560$213
40$2,490$208
45$2,328$194
50$2,202$184
55$2,056$171
60$2,062$172
65$2,200$183
70$2,376$198
75$2,794$233
80$3,448$287

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.