2016 BMW 640xi Car Insurance Calculator

See in real-time how seemingly small changes affect the cost of insurance for a 2016 BMW 640xi. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly if the change you make raises or lowers insurance rates and why.

The average estimated car insurance premium for a 2016 BMW 640xi is $2,510 per year, or about $209 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

$2,510

Cost Per Month

$209

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 2016 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.

$2,510
Average Rate
Your Rate
$2,510

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 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 2016 BMW 640xi is $2,510.

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 640xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 640xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$892
2Acura ILX$1,686-$824
3Lexus IS 300$1,792-$718
4Volvo S80$1,834-$676
5Mercedes-Benz C350E$1,842-$668
6Lexus RC 300$1,856-$654
7Audi A3$1,888-$622
8Mercedes-Benz AMG CLA45$1,910-$600
9Lincoln MKZ$1,914-$596
10Lexus ES 300H$1,924-$586
11Audi A6$1,936-$574
12Mercedes-Benz CLA250$1,982-$528
13BMW 528i$2,020-$490
14Lexus GS 350$2,036-$474
15Mercedes-Benz E350$2,062-$448
16Audi S4$2,064-$446
17Mercedes-Benz SLK55 AMG$2,068-$442
18BMW 428xi$2,072-$438
19Jaguar XF$2,084-$426
20Cadillac ELR$2,090-$420
21Mercedes-Benz C450 AMG$2,100-$410
22BMW 428i$2,106-$404
23Audi S5$2,116-$394
24Hyundai Genesis$2,130-$380
25BMW 528xi$2,138-$372
26Infiniti Q50$2,144-$366
27BMW 535xi$2,150-$360
28BMW 435xi$2,174-$336
29Mercedes-Benz E250$2,192-$318
30Mercedes-Benz SL400$2,210-$300
31BMW Active 5$2,218-$292
32BMW 435i$2,224-$286
2016 Midsize Luxury Car Average$2,227-$283
33BMW 535d$2,250-$260
34Mercedes-Benz E400$2,300-$210
35BMW 535i$2,308-$202
36Mercedes-Benz E550$2,320-$190
37Audi S6$2,358-$152
38BMW 550i$2,362-$148
39Mercedes-Benz CLS400$2,436-$74
40BMW 550xi$2,452-$58
41Mercedes-Benz SL550$2,456-$54
42BMW 640i$2,490-$20
43Audi A7$2,504-$6
44BMW 640xi$2,510--
45BMW M5$2,518$8
46Audi S7$2,522$12
47Tesla Model S$2,590$80
48Mercedes-Benz S550E$2,594$84
49BMW 650xi$2,610$100
50Lexus GS F$2,622$112
51BMW M6$2,796$286
52Mercedes-Benz SL63 AMG$2,876$366
53Mercedes-Benz SL65 AMG$3,584$1,074

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 640xi Insurance Rates by Trim Level

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

2016 BMW 640xi Insurance Rates by Trim Level
2016 BMW 640xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,358$197
Coupe$2,506$209
Convertible$2,668$222

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 640xi for different driver ages.

2016 BMW 640xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,908$742
17$8,657$721
18$7,807$651
19$7,086$591
20$5,439$453
21$5,188$432
22$4,651$388
23$3,797$316
24$3,596$300
25$2,922$244
30$2,680$223
35$2,578$215
40$2,510$209
45$2,344$195
50$2,218$185
55$2,070$173
60$2,074$173
65$2,216$185
70$2,388$199
75$2,796$233
80$3,446$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 640xi trim levels.