2018 BMW 640xi Car Insurance Calculator

Learn in real-time how different driver and vehicle factors influence insurance rates for a 2018 BMW 640xi. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2018 BMW 640xi is $2,642 per year, or about $220 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

$2,642

Cost Per Month

$220

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 2018 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.

$2,642
Average Rate
Your Rate
$2,642

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 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 2018 BMW 640xi is $2,642.

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 640xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 BMW 640xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$886
2Lexus IS 300$1,908-$734
3Lexus RC 300$1,992-$650
4Mercedes-Benz SLC300$2,058-$584
5Lexus ES 350$2,062-$580
6Mercedes-Benz AMG CLA45$2,076-$566
7Audi S5$2,114-$528
8Audi A3$2,126-$516
9Mercedes-Benz CLA250$2,136-$506
10Mercedes-Benz C350E$2,146-$496
11Lincoln MKZ$2,158-$484
12Mercedes-Benz E300$2,162-$480
13Lexus ES 300H$2,170-$472
14Genesis G80$2,174-$468
15BMW 430i$2,190-$452
16Audi A6$2,212-$430
17Audi S4$2,224-$418
18Lexus GS 300$2,260-$382
19Jaguar XE$2,262-$380
20Lexus GS 350$2,282-$360
21BMW 530i$2,288-$354
22BMW 540xi$2,298-$344
23BMW 540i$2,304-$338
24BMW 440i$2,334-$308
25Jaguar XF$2,354-$288
26Mercedes-Benz AMG C43$2,410-$232
27Mercedes-Benz SL450$2,430-$212
28Mercedes-Benz E400$2,442-$200
29Infiniti Q50$2,450-$192
2018 Midsize Luxury Car Average$2,459-$183
30BMW 530e$2,460-$182
31Audi RS 5$2,490-$152
32Mercedes-Benz AMG E43$2,500-$142
33BMW 530xi$2,504-$138
34BMW M550i$2,582-$60
35Mercedes-Benz AMG C63$2,634-$8
36BMW 640xi$2,642--
37Audi S6$2,662$20
38BMW 640i$2,712$70
39Mercedes-Benz SL550$2,762$120
40Lexus GS F$2,772$130
41Tesla Model S$2,810$168
42Lexus LC 500H$2,834$192
43Audi A7$2,844$202
44BMW 650xi$2,848$206
45Audi S7$3,022$380
46BMW M5$3,034$392
47BMW M6$3,228$586
48Mercedes-Benz SL63 AMG$3,280$638
49Mercedes-Benz SL65 AMG$4,084$1,442

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 640xi Insurance Rates by Trim Level

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

2018 BMW 640xi Insurance Rates by Trim Level
2018 BMW 640xi Trim Level Annual Premium Cost Per Month
Gran Turismo Sedan$2,452$204
Gran Coupe$2,620$218
Convertible$2,858$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.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 BMW 640xi for different driver ages.

2018 BMW 640xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,371$781
17$9,143$762
18$8,305$692
19$7,506$626
20$5,764$480
21$5,500$458
22$4,939$412
23$3,996$333
24$3,800$317
25$3,080$257
30$2,830$236
35$2,710$226
40$2,642$220
45$2,462$205
50$2,326$194
55$2,174$181
60$2,182$182
65$2,334$195
70$2,500$208
75$2,922$244
80$3,610$301

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.