2019 BMW 640i Car Insurance Calculator

Learn visually how life choices affect car insurance rates for a 2019 BMW 640i. Tweak settings like credit rating, policy coverages, and liability limits to see how insurance cost is affected. See instantly if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2019 BMW 640i is $2,772 per year, or about $231 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

$2,772

Cost Per Month

$231

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 2019 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.

$2,772
Average Rate
Your Rate
$2,772

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 2019 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 2019 BMW 640i is $2,772.

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.

2019 BMW 640i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2019 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.

2019 BMW 640i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$922
2Lexus IS 300$2,006-$766
3Lexus RC 300$2,094-$678
4Lexus ES 350$2,140-$632
5Lincoln MKZ$2,166-$606
6Mercedes-Benz SLC300$2,188-$584
7Mercedes-Benz AMG CLA45$2,198-$574
8Audi A3$2,236-$536
9Mercedes-Benz CLA250$2,260-$512
10Audi S5$2,264-$508
11Mercedes-Benz E300$2,274-$498
12Genesis G80$2,290-$482
13Lexus ES 300H$2,312-$460
14BMW 430i$2,328-$444
15Lexus GS 300$2,368-$404
16Audi A6$2,378-$394
17Audi S4$2,390-$382
18Lexus GS 350$2,396-$376
19Mercedes-Benz CLS450$2,410-$362
20BMW 540i$2,442-$330
21BMW 530i$2,444-$328
22Mercedes-Benz E450$2,474-$298
23Jaguar XF$2,484-$288
2019 Midsize Luxury Car Average$2,497-$275
24BMW 440i$2,498-$274
25Mercedes-Benz AMG C43$2,552-$220
26Mercedes-Benz SL450$2,560-$212
27BMW 530e$2,598-$174
28Infiniti Q50$2,614-$158
29BMW M550i$2,726-$46
30Audi RS 5$2,738-$34
31BMW 640i$2,772--
32Mercedes-Benz AMG C63$2,782$10
33Tesla Model S$2,788$16
34Lexus GS F$2,914$142
35Mercedes-Benz SL550$2,922$150
36Audi A7$2,946$174
37Lexus LC 500H$2,974$202
38BMW M5$3,134$362
39BMW M6$3,472$700

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.

2019 640i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW 640i Insurance Rates by Trim Level
2019 BMW 640i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,752$229
Gran Turismo xDrive Coupe$2,760$230
Gran Coupe xDrive$2,806$234

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 2019 BMW 640i for different driver ages.

2019 BMW 640i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,790$816
17$9,558$797
18$8,698$725
19$7,858$655
20$6,043$504
21$5,766$481
22$5,179$432
23$4,191$349
24$3,983$332
25$3,232$269
30$2,968$247
35$2,842$237
40$2,772$231
45$2,582$215
50$2,438$203
55$2,278$190
60$2,286$191
65$2,442$204
70$2,616$218
75$3,052$254
80$3,768$314

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.