2014 BMW 650i Car Insurance Calculator

See and learn how changes to driver risk factors and vehicle options influence insurance rates for a 2014 BMW 650i. Set options like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2014 BMW 650i is $2,386 per year, or about $199 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

$2,386

Cost Per Month

$199

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 2014 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.

$2,386
Average Rate
Your Rate
$2,386

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 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 2014 BMW 650i is $2,386.

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 650i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2014 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.

2014 BMW 650i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,718-$668
2Cadillac CTS$1,740-$646
3Cadillac XTS$1,794-$592
4Lincoln MKS$1,884-$502
5Infiniti Q70$1,906-$480
6Lexus GS 450$1,972-$414
7Acura RLX$1,982-$404
8Cadillac CTS-V$2,034-$352
9Infiniti Q60$2,078-$308
10Mercedes-Benz C63 AMG$2,080-$306
11Hyundai Equus$2,088-$298
12Lexus LS 460$2,134-$252
13Mercedes-Benz CLS550$2,140-$246
14BMW 740i$2,230-$156
15Mercedes-Benz E63 AMG$2,240-$146
16Jaguar XJ$2,260-$126
17Maserati Ghibli$2,282-$104
18Jaguar XJ Super$2,284-$102
19Mercedes-Benz CLS63 AMG$2,324-$62
20Audi A8$2,356-$30
21BMW 750i$2,366-$20
22Porsche Panamera$2,374-$12
23BMW 650i$2,386--
2014 Large Luxury Car Average$2,391$5
24BMW 750xi$2,394$8
25Lexus LS 600H$2,494$108
26Audi RS 7$2,508$122
27Mercedes-Benz CL550$2,606$220
28Audi S8$2,662$276
29Maserati Quattroporte$2,668$282
30BMW 760i$2,746$360
31Mercedes-Benz S550$2,790$404
32Mercedes-Benz S63 AMG$2,890$504
33Mercedes-Benz CL600$2,942$556
34Mercedes-Benz CL65 AMG$3,408$1,022
35Bentley Continental$3,426$1,040
36Bentley Mulsanne$3,874$1,488

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 650i Insurance Rates by Trim Level

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

2014 BMW 650i Insurance Rates by Trim Level
2014 BMW 650i Trim Level Annual Premium Cost Per Month
Coupe$2,340$195
Gran Coupe$2,382$199
Convertible$2,438$203

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 650i for different driver ages.

2014 BMW 650i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,591$716
17$8,319$693
18$7,447$621
19$6,776$565
20$5,182$432
21$4,939$412
22$4,417$368
23$3,617$301
24$3,425$285
25$2,774$231
30$2,544$212
35$2,450$204
40$2,386$199
45$2,232$186
50$2,116$176
55$1,970$164
60$1,976$165
65$2,112$176
70$2,286$191
75$2,700$225
80$3,336$278

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.