2013 BMW 650xi Car Insurance Calculator
Monitor in real-time how different factors impact the insurance cost for a 2013 BMW 650xi. Adjust factors such as vehicle usage, driver gender, marital status, and the state you live in. Know immediately if your changes have a favorable or unfavorable effect on the rates.
The average estimated car insurance premium for a 2013 BMW 650xi is $2,370 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
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
- Update Options: Adjust any settings in the form below.
- Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
- Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.
Key Features:
- Instant Rate Comparison: Learn how your personalized rate compares to the average driver.
To view the comparison as you customize the calculator settings, pin it to the bottom of your screen. - Personalized Analysis: Each update to the calculator refines your insurance analysis, helping you understand factors that are positively or negatively influencing your rates or protection level.
- 2013 Midsize Luxury Car Segment Competitive Analysis: A comparative overview of all midsize luxury car models for your model year. Rates update with every change made to the calculator settings.
- 2013 BMW 650xi Trim Level Rates: Insurance rates for all trims available for your model year 650xi. This data is also dynamic based on calculator settings.
Calculated vs. Average Rate
Discover how your personalized car insurance rate compares to the average annual premium for a 2013 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.
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 2013 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 2013 BMW 650xi is $2,370.
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.
2013 BMW 650xi vs. the Midsize Luxury Car Segment
The table below compares insurance rates for the 2013 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A3 | $1,434 | -$936 |
| 2 | Acura TL | $1,458 | -$912 |
| 3 | Acura ILX | $1,492 | -$878 |
| 4 | Acura TSX | $1,532 | -$838 |
| 5 | Volvo C70 | $1,558 | -$812 |
| 6 | Lincoln MKZ | $1,578 | -$792 |
| 7 | Lexus GS 350 | $1,586 | -$784 |
| 8 | Lexus ES 350 | $1,614 | -$756 |
| 9 | Audi A6 | $1,618 | -$752 |
| 10 | Lexus ES 300H | $1,640 | -$730 |
| 11 | Mercedes-Benz SLK55 AMG | $1,654 | -$716 |
| 12 | Mercedes-Benz C350 | $1,692 | -$678 |
| 13 | Volvo S80 | $1,750 | -$620 |
| 14 | Infiniti G37 | $1,776 | -$594 |
| 15 | Audi S5 | $1,786 | -$584 |
| 16 | Mercedes-Benz E350 | $1,800 | -$570 |
| 17 | BMW 528xi | $1,802 | -$568 |
| 18 | Hyundai Genesis | $1,806 | -$564 |
| 19 | Infiniti M35 | $1,818 | -$552 |
| 20 | Jaguar XF | $1,822 | -$548 |
| 21 | Mercedes-Benz E550 | $1,848 | -$522 |
| 22 | Mercedes-Benz E400 | $1,858 | -$512 |
| 23 | Infiniti M37 | $1,864 | -$506 |
| 24 | BMW 535xi | $1,886 | -$484 |
| 25 | BMW 550xi | $1,906 | -$464 |
| 26 | Audi S4 | $1,912 | -$458 |
| 27 | BMW 528i | $1,914 | -$456 |
| 28 | BMW Activehybrid 5 | $1,926 | -$444 |
| 29 | BMW 535i | $1,958 | -$412 |
| 2013 Midsize Luxury Car Average | $1,963 | -$407 | |
| 30 | Audi RS 5 | $1,966 | -$404 |
| 31 | BMW 550i | $1,980 | -$390 |
| 32 | Jaguar XK | $1,996 | -$374 |
| 33 | Mercedes-Benz SL550 | $2,010 | -$360 |
| 34 | Audi S6 | $2,064 | -$306 |
| 35 | BMW 640i | $2,126 | -$244 |
| 36 | Mercedes-Benz S400 | $2,152 | -$218 |
| 37 | Audi S7 | $2,170 | -$200 |
| 38 | Audi A7 | $2,194 | -$176 |
| 39 | Tesla Model S | $2,266 | -$104 |
| 40 | Jaguar XKR | $2,298 | -$72 |
| 41 | Mercedes-Benz S350 | $2,324 | -$46 |
| 42 | BMW M6 | $2,334 | -$36 |
| 43 | BMW 650xi | $2,370 | -- |
| 44 | BMW M5 | $2,380 | $10 |
| 45 | Mercedes-Benz SL63 AMG | $2,572 | $202 |
| 46 | Mercedes-Benz CL63 AMG | $2,820 | $450 |
| 47 | Mercedes-Benz SLS AMG | $2,920 | $550 |
| 48 | Mercedes-Benz SL65 AMG | $3,012 | $642 |
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.
2013 650xi Insurance Rates by Trim Level
The table below shows insurance rates for all trim levels available for the 2013 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.
| 2013 BMW 650xi Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Coupe | $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.
Insurance Rates by Driver Age
The table below shows average car insurance rates for the 2013 BMW 650xi for different driver ages.
| Driver Age | Annual Premium | Cost Per Month |
|---|---|---|
| 16 | $8,525 | $710 |
| 17 | $8,245 | $687 |
| 18 | $7,358 | $613 |
| 19 | $6,709 | $559 |
| 20 | $5,125 | $427 |
| 21 | $4,891 | $408 |
| 22 | $4,370 | $364 |
| 23 | $3,596 | $300 |
| 24 | $3,394 | $283 |
| 25 | $2,754 | $230 |
| 30 | $2,524 | $210 |
| 35 | $2,434 | $203 |
| 40 | $2,370 | $198 |
| 45 | $2,218 | $185 |
| 50 | $2,102 | $175 |
| 55 | $1,962 | $164 |
| 60 | $1,968 | $164 |
| 65 | $2,096 | $175 |
| 70 | $2,276 | $190 |
| 75 | $2,688 | $224 |
| 80 | $3,320 | $277 |
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.