BMW 650xi Car Insurance Calculator

Monitor in real-time how changing risk factors impact the insurance cost for a BMW 650xi. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2018 BMW 650xi is $2,848 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

$2,848

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 650xi 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 BMW 650xi.

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.

$2,848
Average Rate
Your Rate
$2,848

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW 650xi.

The 'Average Rate' is a combined value for all BMW 650xi 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 650xi is $2,848.

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 650xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 BMW 650xi against all other models in the midsize luxury car segment. The BMW 650xi 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 650xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 650xi.

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

2018 BMW 650xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$1,092
2Lexus IS 300$1,908-$940
3Lexus RC 300$1,992-$856
4Mercedes-Benz SLC300$2,058-$790
5Lexus ES 350$2,062-$786
6Mercedes-Benz AMG CLA45$2,076-$772
7Audi S5$2,114-$734
8Audi A3$2,126-$722
9Mercedes-Benz CLA250$2,136-$712
10Mercedes-Benz C350E$2,146-$702
11Lincoln MKZ$2,158-$690
12Mercedes-Benz E300$2,162-$686
13Lexus ES 300H$2,170-$678
14Genesis G80$2,174-$674
15BMW 430i$2,190-$658
16Audi A6$2,212-$636
17Audi S4$2,224-$624
18Lexus GS 300$2,260-$588
19Jaguar XE$2,262-$586
20Lexus GS 350$2,282-$566
21BMW 530i$2,288-$560
22BMW 540xi$2,298-$550
23BMW 540i$2,304-$544
24BMW 440i$2,334-$514
25Jaguar XF$2,354-$494
26Mercedes-Benz AMG C43$2,410-$438
27Mercedes-Benz SL450$2,430-$418
28Mercedes-Benz E400$2,442-$406
29Infiniti Q50$2,450-$398
2018 Midsize Luxury Car Average$2,459-$389
30BMW 530e$2,460-$388
31Audi RS 5$2,490-$358
32Mercedes-Benz AMG E43$2,500-$348
33BMW 530xi$2,504-$344
34BMW M550i$2,582-$266
35Mercedes-Benz AMG C63$2,634-$214
36BMW 640xi$2,642-$206
37Audi S6$2,662-$186
38BMW 640i$2,712-$136
39Mercedes-Benz SL550$2,762-$86
40Lexus GS F$2,772-$76
41Tesla Model S$2,810-$38
42Lexus LC 500H$2,834-$14
43Audi A7$2,844-$4
44BMW 650xi$2,848--
45Audi S7$3,022$174
46BMW M5$3,034$186
47BMW M6$3,228$380
48Mercedes-Benz SL63 AMG$3,280$432
49Mercedes-Benz SL65 AMG$4,084$1,236

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 650xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW 650xi.

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 650xi Insurance Rates by Trim Level
2018 BMW 650xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,820$235
Convertible$2,878$240

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 650xi for different driver ages.

2018 BMW 650xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,959$830
17$9,752$813
18$8,934$745
19$8,050$671
20$6,208$517
21$5,919$493
22$5,329$444
23$4,297$358
24$4,091$341
25$3,322$277
30$3,058$255
35$2,920$243
40$2,848$237
45$2,650$221
50$2,500$208
55$2,338$195
60$2,348$196
65$2,508$209
70$2,670$223
75$3,098$258
80$3,822$319

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 650xi trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 650xi.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW 650xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2018 BMW 650xi$2,848$237
2017 BMW 650xi$2,724$227
2016 BMW 650xi$2,610$218
2015 BMW 650xi$2,392$199
2014 BMW 650xi$2,390$199
2013 BMW 650xi$2,370$198

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 BMW 650xi trim levels for each model year.