2018 BMW 640i Car Insurance Calculator

Observe in real-time how changing risk factors influence insurance rates for a 2018 BMW 640i. Set options like gender of the driver, whether you're married or single, and the state and city you live in to see how rates are impacted. Instantly discover how the rate changes based on your selections and learn why rates increased or decreased.

The average estimated car insurance premium for a 2018 BMW 640i is $2,712 per year, or about $226 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

$2,712

Cost Per Month

$226

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 2018 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.

$2,712
Average Rate
Your Rate
$2,712

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 2018 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 2018 BMW 640i is $2,712.

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.

2018 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$956
2Lexus IS 300$1,908-$804
3Lexus RC 300$1,992-$720
4Mercedes-Benz SLC300$2,058-$654
5Lexus ES 350$2,062-$650
6Mercedes-Benz AMG CLA45$2,076-$636
7Audi S5$2,114-$598
8Audi A3$2,126-$586
9Mercedes-Benz CLA250$2,136-$576
10Mercedes-Benz C350E$2,146-$566
11Lincoln MKZ$2,158-$554
12Mercedes-Benz E300$2,162-$550
13Lexus ES 300H$2,170-$542
14Genesis G80$2,174-$538
15BMW 430i$2,190-$522
16Audi A6$2,212-$500
17Audi S4$2,224-$488
18Lexus GS 300$2,260-$452
19Jaguar XE$2,262-$450
20Lexus GS 350$2,282-$430
21BMW 530i$2,288-$424
22BMW 540xi$2,298-$414
23BMW 540i$2,304-$408
24BMW 440i$2,334-$378
25Jaguar XF$2,354-$358
26Mercedes-Benz AMG C43$2,410-$302
27Mercedes-Benz SL450$2,430-$282
28Mercedes-Benz E400$2,442-$270
29Infiniti Q50$2,450-$262
2018 Midsize Luxury Car Average$2,459-$253
30BMW 530e$2,460-$252
31Audi RS 5$2,490-$222
32Mercedes-Benz AMG E43$2,500-$212
33BMW 530xi$2,504-$208
34BMW M550i$2,582-$130
35Mercedes-Benz AMG C63$2,634-$78
36BMW 640xi$2,642-$70
37Audi S6$2,662-$50
38BMW 640i$2,712--
39Mercedes-Benz SL550$2,762$50
40Lexus GS F$2,772$60
41Tesla Model S$2,810$98
42Lexus LC 500H$2,834$122
43Audi A7$2,844$132
44BMW 650xi$2,848$136
45Audi S7$3,022$310
46BMW M5$3,034$322
47BMW M6$3,228$516
48Mercedes-Benz SL63 AMG$3,280$568
49Mercedes-Benz SL65 AMG$4,084$1,372

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.

2018 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 BMW 640i Insurance Rates by Trim Level
2018 BMW 640i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,654$221
Convertible$2,772$231

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 2018 BMW 640i for different driver ages.

2018 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,554$796
17$9,316$776
18$8,463$705
19$7,658$638
20$5,891$491
21$5,616$468
22$5,048$421
23$4,099$342
24$3,892$324
25$3,158$263
30$2,902$242
35$2,780$232
40$2,712$226
45$2,526$211
50$2,390$199
55$2,232$186
60$2,238$187
65$2,392$199
70$2,558$213
75$2,988$249
80$3,686$307

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.