2014 BMW 640xi Car Insurance Calculator

Gain insights into how seemingly small changes affect car insurance rates for a 2014 BMW 640xi. Modify choices like coverage amounts, annual mileage, vehicle usage, and driver gender. Get instant feedback if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2014 BMW 640xi is $2,224 per year, or about $185 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

$2,224

Cost Per Month

$185

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 640xi 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 2014 BMW 640xi.

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.

$2,224
Average Rate
Your Rate
$2,224

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 2014 BMW 640xi 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 2014 BMW 640xi is $2,224.

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.

2014 BMW 640xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2014 BMW 640xi against all other models in the midsize luxury car segment. The BMW 640xi 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 640xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 640xi.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2014 BMW 640xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$742
2Acura ILX$1,524-$700
3Lincoln MKZ$1,536-$688
4Acura TL$1,586-$638
5Lexus ES 350$1,718-$506
6Mercedes-Benz CLA250$1,768-$456
7Audi A6$1,802-$422
8Audi S5$1,810-$414
9Mercedes-Benz SLK55 AMG$1,816-$408
10Mercedes-Benz C350$1,888-$336
11Lexus ES 300H$1,902-$322
12BMW 435i$1,930-$294
13Mercedes-Benz E250$1,934-$290
14BMW 428xi$1,936-$288
15Mercedes-Benz E350$1,946-$278
16Infiniti Q50$1,952-$272
17Mercedes-Benz E400$1,956-$268
18Lexus GS 350$1,958-$266
19BMW 528xi$1,962-$262
20BMW 535i$1,972-$252
21Audi RS 5$1,978-$246
22BMW 428i$1,982-$242
23Mercedes-Benz CLA45 AMG$1,986-$238
24Hyundai Genesis$1,988-$236
25Volvo S80$1,994-$230
26BMW 435xi$2,000-$224
27BMW 535xi$2,008-$216
28BMW Activehybrid 5$2,036-$188
29Mercedes-Benz E550$2,042-$182
30Jaguar XF$2,050-$174
31Audi S6$2,064-$160
32Audi S4$2,066-$158
33Cadillac ELR$2,078-$146
34Jaguar XK$2,080-$144
35BMW 528i$2,084-$140
2014 Midsize Luxury Car Average$2,089-$135
36BMW 535d$2,094-$130
37BMW 550i$2,096-$128
38BMW 550xi$2,134-$90
39Audi A7$2,194-$30
40BMW 640i$2,196-$28
41BMW 640xi$2,224--
42Mercedes-Benz SL550$2,258$34
43Audi S7$2,310$86
44BMW 650xi$2,390$166
45BMW M5$2,394$170
46Jaguar XKR$2,470$246
47BMW M6$2,498$274
48Tesla Model S$2,512$288
49Mercedes-Benz SL63 AMG$2,596$372
50Mercedes-Benz CL63 AMG$2,858$634
51Mercedes-Benz SL65 AMG$3,212$988
52Mercedes-Benz SLS AMG$3,390$1,166

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.

2014 640xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 BMW 640xi.

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.

2014 BMW 640xi Insurance Rates by Trim Level
2014 BMW 640xi Trim Level Annual Premium Cost Per Month
Coupe$2,140$178
Gran Coupe$2,240$187
Convertible$2,296$191

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 2014 BMW 640xi for different driver ages.

2014 BMW 640xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,955$663
17$7,710$643
18$6,911$576
19$6,289$524
20$4,815$401
21$4,592$383
22$4,113$343
23$3,371$281
24$3,186$266
25$2,586$216
30$2,372$198
35$2,286$191
40$2,224$185
45$2,080$173
50$1,970$164
55$1,838$153
60$1,844$154
65$1,966$164
70$2,128$177
75$2,504$209
80$3,088$257

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 640xi trim levels.