2017 BMW 640i Car Insurance Calculator

Discover how different driver, vehicle, and coverage options impact the cost of insurance for a 2017 BMW 640i. Make changes to factors like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly if your rates increased or decreased.

The average estimated car insurance premium for a 2017 BMW 640i is $2,600 per year, or about $217 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

$2,600

Cost Per Month

$217

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 2017 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.

$2,600
Average Rate
Your Rate
$2,600

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 2017 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 2017 BMW 640i is $2,600.

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.

2017 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2017 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.

2017 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,616-$984
2Lexus IS 300$1,856-$744
3Lexus RC 300$1,910-$690
4Mercedes-Benz AMG CLA45$1,940-$660
5Audi S5$1,968-$632
6Mercedes-Benz SLC300$1,978-$622
7Lexus ES 350$1,982-$618
8Genesis G80$1,998-$602
9Mercedes-Benz E300$2,040-$560
10Mercedes-Benz CLA250$2,052-$548
11Mercedes-Benz C350E$2,056-$544
12Audi A3$2,066-$534
13Lincoln MKZ$2,070-$530
14Lexus ES 300H$2,082-$518
15BMW 430i$2,104-$496
16Jaguar XE$2,148-$452
17Audi A6$2,160-$440
18Lexus GS 350$2,202-$398
19BMW 540xi$2,210-$390
20BMW 540i$2,216-$384
21Jaguar XF$2,228-$372
22BMW 440i$2,234-$366
23BMW 530i$2,272-$328
24Mercedes-Benz E400$2,284-$316
25Mercedes-Benz AMG C43$2,310-$290
26Mercedes-Benz SL450$2,312-$288
2017 Midsize Luxury Car Average$2,357-$243
27Mercedes-Benz E550$2,374-$226
28BMW 535xi$2,382-$218
29Infiniti Q50$2,384-$216
30BMW 530xi$2,390-$210
31Mercedes-Benz AMG E43$2,398-$202
32BMW 535i$2,414-$186
33Mercedes-Benz AMG C63$2,546-$54
34Audi S6$2,554-$46
35BMW 550xi$2,576-$24
36BMW 640i$2,600--
37Mercedes-Benz SL550$2,632$32
38BMW 640xi$2,650$50
39Lexus GS F$2,658$58
40Tesla Model S$2,710$110
41BMW 650xi$2,724$124
42Audi A7$2,752$152
43Mercedes-Benz S550E$2,842$242
44Audi S7$2,868$268
45BMW M6$3,066$466
46Mercedes-Benz SL63 AMG$3,122$522
47Mercedes-Benz SL65 AMG$3,838$1,238

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.

2017 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 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.

2017 BMW 640i Insurance Rates by Trim Level
2017 BMW 640i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,490$208
Convertible$2,642$220
Coupe$2,680$223

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 2017 BMW 640i for different driver ages.

2017 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,218$768
17$8,975$748
18$8,129$677
19$7,363$614
20$5,655$471
21$5,393$449
22$4,842$404
23$3,932$328
24$3,734$311
25$3,030$253
30$2,784$232
35$2,670$223
40$2,600$217
45$2,424$202
50$2,294$191
55$2,142$179
60$2,150$179
65$2,294$191
70$2,464$205
75$2,882$240
80$3,558$297

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.