2015 BMW 650xi Car Insurance Calculator

See and learn how life choices affect car insurance rates for a 2015 BMW 650xi. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2015 BMW 650xi is $2,392 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

$2,392

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 2015 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.

$2,392
Average Rate
Your Rate
$2,392

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 2015 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 2015 BMW 650xi is $2,392.

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.

2015 BMW 650xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2015 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.

2015 BMW 650xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,652-$740
2Acura ILX$1,662-$730
3Audi A3$1,702-$690
4Infiniti Q40$1,706-$686
5Volvo S80$1,712-$680
6Lincoln MKZ$1,726-$666
7Mercedes-Benz SLK55 AMG$1,744-$648
8Mercedes-Benz CLA250$1,808-$584
9Mercedes-Benz CLA45 AMG$1,838-$554
10BMW 528xi$1,848-$544
11BMW 428xi$1,886-$506
12Audi A6$1,926-$466
13Audi S4$1,928-$464
14Mercedes-Benz C400$1,930-$462
15Mercedes-Benz E350$1,946-$446
16Lexus ES 300H$1,948-$444
17BMW 528i$1,956-$436
18Mercedes-Benz C350$1,966-$426
19Audi S5$1,978-$414
20BMW 428i$1,994-$398
21BMW 435xi$1,998-$394
22Mercedes-Benz SL400$2,016-$376
23Hyundai Genesis$2,030-$362
24Infiniti Q50$2,064-$328
25BMW Activehybrid 5$2,088-$304
26BMW 550i$2,094-$298
27Mercedes-Benz E550$2,098-$294
28Mercedes-Benz E400$2,110-$282
29BMW 435i$2,116-$276
30Audi RS 5$2,134-$258
31BMW 550xi$2,138-$254
2015 Midsize Luxury Car Average$2,143-$249
32Jaguar XF$2,162-$230
33Mercedes-Benz E250$2,166-$226
34BMW 535d$2,178-$214
35Lexus GS 350$2,180-$212
36BMW 535xi$2,196-$196
37BMW 535i$2,200-$192
38Mercedes-Benz CLS400$2,204-$188
39Mercedes-Benz SL550$2,238-$154
40Jaguar XK$2,274-$118
41BMW 640xi$2,286-$106
42Audi A7$2,294-$98
43Audi S6$2,318-$74
44BMW 640i$2,350-$42
45BMW 650xi$2,392--
46Jaguar XKR$2,478$86
47Mercedes-Benz S550E$2,498$106
48BMW M5$2,512$120
49Mercedes-Benz SL63 AMG$2,580$188
50Tesla Model S$2,590$198
51BMW M6$2,594$202
52Audi S7$2,612$220
53Mercedes-Benz SLS AMG$3,310$918
54Mercedes-Benz SL65 AMG$3,360$968

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.

2015 650xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 BMW 650xi Insurance Rates by Trim Level
2015 BMW 650xi Trim Level Annual Premium Cost Per Month
Convertible$2,288$191
Gran Coupe$2,412$201
Coupe$2,482$207

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 2015 BMW 650xi for different driver ages.

2015 BMW 650xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,409$701
17$8,196$683
18$7,439$620
19$6,735$561
20$5,181$432
21$4,947$412
22$4,442$370
23$3,613$301
24$3,429$286
25$2,784$232
30$2,562$214
35$2,454$205
40$2,392$199
45$2,232$186
50$2,110$176
55$1,970$164
60$1,978$165
65$2,110$176
70$2,256$188
75$2,632$219
80$3,242$270

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.