2016 BMW 650i Car Insurance Calculator

Discover how the choices you make impact the insurance cost for a 2016 BMW 650i. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2016 BMW 650i is $2,680 per year, or about $223 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

$2,680

Cost Per Month

$223

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 2016 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.

$2,680
Average Rate
Your Rate
$2,680

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 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 2016 BMW 650i is $2,680.

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 650i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 650i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XTS$1,784-$896
2Cadillac CTS$1,808-$872
3Audi A5$1,876-$804
4Lincoln MKS$1,908-$772
5Cadillac CT6$1,924-$756
6Kia K900$2,152-$528
7Acura RLX$2,156-$524
8Infiniti Q70L$2,162-$518
9Mercedes-Benz CLS550$2,204-$476
10Lexus GS 450$2,218-$462
11Infiniti Q70$2,228-$452
12Hyundai Equus$2,256-$424
13Lexus LS 460$2,358-$322
14Mercedes-Benz C63 AMG$2,434-$246
15Cadillac CTS-V$2,440-$240
16BMW 740i$2,482-$198
17Jaguar XJ$2,498-$182
18Mercedes-Benz E63 AMG$2,508-$172
19BMW 650i$2,680--
20Maserati Ghibli$2,684$4
2016 Large Luxury Car Average$2,713$33
21Jaguar XJ Super$2,752$72
22BMW 750i$2,772$92
23Audi RS 7$2,828$148
24Audi S8$2,856$176
25Lexus LS 600H$2,876$196
26Mercedes-Benz CLS63 AMG$2,878$198
27Mercedes-Benz S550$2,924$244
28Maserati Quattroporte$2,932$252
29Mercedes-Benz AMG$2,968$288
30Audi A8$3,014$334
31BMW Alpina B6$3,026$346
32Porsche Panamera$3,102$422
33Mercedes-Benz S63 AMG$3,330$650
34Mercedes-Benz S600$3,392$712
35Mercedes-Benz S65 AMG$3,910$1,230
36Mercedes-Benz S65$3,956$1,276
37Bentley Continental$4,024$1,344
38Bentley Mulsanne$4,798$2,118

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 650i Insurance Rates by Trim Level

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

2016 BMW 650i Insurance Rates by Trim Level
2016 BMW 650i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,550$213
Convertible$2,636$220
Coupe$2,856$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 2016 BMW 650i for different driver ages.

2016 BMW 650i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,537$795
17$9,273$773
18$8,372$698
19$7,591$633
20$5,824$485
21$5,554$463
22$4,982$415
23$4,057$338
24$3,846$321
25$3,120$260
30$2,864$239
35$2,752$229
40$2,680$223
45$2,500$208
50$2,364$197
55$2,208$184
60$2,216$185
65$2,366$197
70$2,546$212
75$2,988$249
80$3,690$308

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.