2015 BMW 650i Car Insurance Calculator

See in real-time how different risk factors affect car insurance rates for a 2015 BMW 650i. Tweak settings like coverage deductibles, age of the driver, and policy discounts to see how insurance cost is affected. Immediately see how and why rates change based on your selections.

The average estimated car insurance premium for a 2015 BMW 650i is $2,380 per year, or about $198 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

$2,380

Cost Per Month

$198

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 2015 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.

$2,380
Average Rate
Your Rate
$2,380

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 2015 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 2015 BMW 650i is $2,380.

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.

2015 BMW 650i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2015 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.

2015 BMW 650i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CTS$1,650-$730
2Cadillac XTS$1,830-$550
3Audi A5$1,868-$512
4Lincoln MKS$1,872-$508
5Infiniti Q60$1,928-$452
6Acura RLX$2,078-$302
7Lexus GS 450$2,096-$284
8Infiniti Q70L$2,112-$268
9Infiniti Q70$2,124-$256
10Kia K900$2,148-$232
11Lexus LS 460$2,150-$230
12Cadillac CTS-V$2,176-$204
13Mercedes-Benz CLS550$2,236-$144
14Mercedes-Benz C63 AMG$2,256-$124
15Hyundai Equus$2,268-$112
16BMW 740i$2,324-$56
17BMW 650i$2,380--
18Maserati Ghibli$2,406$26
19Jaguar XJ$2,454$74
20BMW 750i$2,480$100
21Jaguar XJ Super$2,486$106
22Mercedes-Benz E63 AMG$2,538$158
2015 Large Luxury Car Average$2,553$173
23Mercedes-Benz S550$2,580$200
24BMW 750xi$2,602$222
25Mercedes-Benz CLS63 AMG$2,632$252
26Audi RS 7$2,660$280
27Lexus LS 600H$2,706$326
28BMW Alpina B6$2,720$340
29Audi A8$2,740$360
30Audi S8$2,750$370
31Porsche Panamera$2,800$420
32Maserati Quattroporte$2,946$566
33BMW 760i$2,960$580
34Mercedes-Benz S63 AMG$3,088$708
35Mercedes-Benz S600$3,196$816
36Bentley Continental$3,596$1,216
37Mercedes-Benz S65 AMG$3,660$1,280
38Mercedes-Benz S65$3,748$1,368
39Bentley Mulsanne$4,342$1,962

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.

2015 650i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 BMW 650i Insurance Rates by Trim Level
2015 BMW 650i Trim Level Annual Premium Cost Per Month
Convertible$2,296$191
Gran Coupe$2,354$196
Coupe$2,498$208

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 2015 BMW 650i for different driver ages.

2015 BMW 650i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,442$704
17$8,218$685
18$7,436$620
19$6,739$562
20$5,173$431
21$4,934$411
22$4,429$369
23$3,599$300
24$3,417$285
25$2,774$231
30$2,548$212
35$2,442$204
40$2,380$198
45$2,222$185
50$2,100$175
55$1,962$164
60$1,970$164
65$2,102$175
70$2,256$188
75$2,644$220
80$3,262$272

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.