2013 BMW 650i Car Insurance Calculator

Observe in real-time how changes to driver risk factors and vehicle options influence insurance rates for a 2013 BMW 650i. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2013 BMW 650i is $2,244 per year, or about $187 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

$2,244

Cost Per Month

$187

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 650i 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 2013 BMW 650i.

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.

$2,244
Average Rate
Your Rate
$2,244

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 2013 BMW 650i 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 2013 BMW 650i is $2,244.

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.

2013 BMW 650i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2013 BMW 650i against all other models in the large luxury car segment. The BMW 650i 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 650i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 650i.

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

2013 BMW 650i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,592-$652
2Cadillac CTS$1,608-$636
3Cadillac XTS$1,632-$612
4Lincoln MKS$1,712-$532
5Cadillac CTS-V$1,838-$406
6Lexus GS 450$1,912-$332
7Infiniti M56$1,938-$306
8Lexus LS 460$1,940-$304
9Hyundai Equus$1,952-$292
10Mercedes-Benz CLS550$1,992-$252
11Mercedes-Benz E63 AMG$2,100-$144
12BMW 750xi$2,126-$118
13BMW 740i$2,134-$110
14Jaguar XJ$2,160-$84
15Mercedes-Benz C63 AMG$2,206-$38
16BMW 650i$2,244--
17Jaguar XJ Super$2,248$4
18Mercedes-Benz CLS63 AMG$2,322$78
2013 Large Luxury Car Average$2,329$85
19Lexus LS 600H$2,352$108
20Audi S8$2,378$134
21BMW 750i$2,386$142
22Mercedes-Benz S550$2,390$146
23Porsche Panamera$2,440$196
24Audi A8$2,442$198
25Mercedes-Benz CL550$2,468$224
26Maserati Quattroporte$2,474$230
27Mercedes-Benz S63 AMG$2,590$346
28BMW 760i$2,606$362
29Mercedes-Benz S600$2,806$562
30Mercedes-Benz CL600$2,820$576
31Mercedes-Benz S65 AMG$3,112$868
32Mercedes-Benz CL65 AMG$3,218$974
33Bentley Continental$3,244$1,000
34Bentley Mulsanne$3,806$1,562

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.

2013 650i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 BMW 650i.

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.

2013 BMW 650i Insurance Rates by Trim Level
2013 BMW 650i Trim Level Annual Premium Cost Per Month
Convertible$2,152$179
xDrive Convertible$2,190$183
Coupe$2,252$188
xDrive Coupe$2,264$189
xDrive Gran Coupe$2,270$189
Gran Coupe$2,330$194

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 2013 BMW 650i for different driver ages.

2013 BMW 650i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,004$667
17$7,736$645
18$6,898$575
19$6,297$525
20$4,820$402
21$4,595$383
22$4,115$343
23$3,395$283
24$3,205$267
25$2,604$217
30$2,388$199
35$2,306$192
40$2,244$187
45$2,102$175
50$1,992$166
55$1,856$155
60$1,860$155
65$1,984$165
70$2,148$179
75$2,536$211
80$3,120$260

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 650i trim levels.