2018 BMW 650i Car Insurance Calculator

Learn visually how choices you make impact car insurance rates for a 2018 BMW 650i. Fine-tune factors like homeowner status, credit history, policy coverages, and liability limits. Find out instantly if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2018 BMW 650i is $2,838 per year, or about $237 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

$2,838

Cost Per Month

$237

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 2018 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.

$2,838
Average Rate
Your Rate
$2,838

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 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 2018 BMW 650i is $2,838.

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 650i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 BMW 650i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,946-$892
2Cadillac CTS$2,010-$828
3Audi A5$2,090-$748
4Cadillac XTS$2,130-$708
5Cadillac CT6$2,156-$682
6Volvo S90$2,234-$604
7Lexus LS 500$2,318-$520
8Infiniti Q70$2,324-$514
9Acura RLX$2,364-$474
10Lexus LS 500H$2,408-$430
11Mercedes-Benz CLS550$2,464-$374
12Lexus GS 450$2,488-$350
13Infiniti Q60$2,536-$302
14Mercedes-Benz C63 AMG$2,582-$256
15Cadillac CTS-V$2,654-$184
16Mercedes-Benz S450$2,680-$158
17Jaguar XJ$2,692-$146
18Genesis G90$2,700-$138
2018 Large Luxury Car Average$2,783-$55
19BMW 740e$2,804-$34
20BMW 740i$2,824-$14
21Mercedes-Benz S560$2,832-$6
22BMW 650i$2,838--
23Audi RS 7$2,940$102
24Mercedes-Benz E63 AMG$3,020$182
25Mercedes-Benz CLS63 AMG$3,046$208
26BMW 750i$3,054$216
27Maserati Ghibli$3,058$220
28Porsche Panamera$3,118$280
29Audi A8$3,148$310
30BMW Alpina B6$3,234$396
31Maserati Quattroporte$3,246$408
32Audi S8$3,346$508
33Mercedes-Benz AMG$3,372$534
34Mercedes-Benz AMG S63$3,438$600
35BMW M760i$3,668$830
36Mercedes-Benz S65 AMG$4,432$1,594

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 650i Insurance Rates by Trim Level

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

2018 BMW 650i Insurance Rates by Trim Level
2018 BMW 650i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,832$236
Convertible$2,844$237

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 650i for different driver ages.

2018 BMW 650i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,949$829
17$9,732$811
18$8,895$741
19$8,024$669
20$6,181$515
21$5,900$492
22$5,303$442
23$4,285$357
24$4,075$340
25$3,306$276
30$3,042$254
35$2,908$242
40$2,838$237
45$2,640$220
50$2,492$208
55$2,328$194
60$2,336$195
65$2,500$208
70$2,666$222
75$3,098$258
80$3,820$318

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.