2014 BMW 650xi Car Insurance Calculator

See and learn how life choices affect the cost of insurance for a 2014 BMW 650xi. Tweak settings like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if the choices you make are positive or negative.

The average estimated car insurance premium for a 2014 BMW 650xi is $2,390 per year, or about $199 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

$2,390

Cost Per Month

$199

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 2014 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.

$2,390
Average Rate
Your Rate
$2,390

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 2014 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 2014 BMW 650xi is $2,390.

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.

2014 BMW 650xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2014 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.

2014 BMW 650xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$908
2Acura ILX$1,524-$866
3Lincoln MKZ$1,536-$854
4Acura TL$1,586-$804
5Lexus ES 350$1,718-$672
6Mercedes-Benz CLA250$1,768-$622
7Audi A6$1,802-$588
8Audi S5$1,810-$580
9Mercedes-Benz SLK55 AMG$1,816-$574
10Mercedes-Benz C350$1,888-$502
11Lexus ES 300H$1,902-$488
12BMW 435i$1,930-$460
13Mercedes-Benz E250$1,934-$456
14BMW 428xi$1,936-$454
15Mercedes-Benz E350$1,946-$444
16Infiniti Q50$1,952-$438
17Mercedes-Benz E400$1,956-$434
18Lexus GS 350$1,958-$432
19BMW 528xi$1,962-$428
20BMW 535i$1,972-$418
21Audi RS 5$1,978-$412
22BMW 428i$1,982-$408
23Mercedes-Benz CLA45 AMG$1,986-$404
24Hyundai Genesis$1,988-$402
25Volvo S80$1,994-$396
26BMW 435xi$2,000-$390
27BMW 535xi$2,008-$382
28BMW Activehybrid 5$2,036-$354
29Mercedes-Benz E550$2,042-$348
30Jaguar XF$2,050-$340
31Audi S6$2,064-$326
32Audi S4$2,066-$324
33Cadillac ELR$2,078-$312
34Jaguar XK$2,080-$310
35BMW 528i$2,084-$306
2014 Midsize Luxury Car Average$2,089-$301
36BMW 535d$2,094-$296
37BMW 550i$2,096-$294
38BMW 550xi$2,134-$256
39Audi A7$2,194-$196
40BMW 640i$2,196-$194
41BMW 640xi$2,224-$166
42Mercedes-Benz SL550$2,258-$132
43Audi S7$2,310-$80
44BMW 650xi$2,390--
45BMW M5$2,394$4
46Jaguar XKR$2,470$80
47BMW M6$2,498$108
48Tesla Model S$2,512$122
49Mercedes-Benz SL63 AMG$2,596$206
50Mercedes-Benz CL63 AMG$2,858$468
51Mercedes-Benz SL65 AMG$3,212$822
52Mercedes-Benz SLS AMG$3,390$1,000

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.

2014 650xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 BMW 650xi Insurance Rates by Trim Level
2014 BMW 650xi Trim Level Annual Premium Cost Per Month
Coupe$2,296$191
Convertible$2,410$201
Gran Coupe$2,466$206

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 2014 BMW 650xi for different driver ages.

2014 BMW 650xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,574$715
17$8,302$692
18$7,434$620
19$6,765$564
20$5,178$432
21$4,934$411
22$4,417$368
23$3,622$302
24$3,428$286
25$2,778$232
30$2,548$212
35$2,454$205
40$2,390$199
45$2,236$186
50$2,120$177
55$1,974$165
60$1,980$165
65$2,116$176
70$2,290$191
75$2,698$225
80$3,332$278

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.