2016 BMW 650xi Car Insurance Calculator

See and learn how changes to driver risk factors and vehicle options affect the cost of insurance for a 2016 BMW 650xi. Set options like gender of the driver, whether you're married or single, and the state and city you live in to see how rates are impacted. Instantly discover if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2016 BMW 650xi is $2,610 per year, or about $218 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

$2,610

Cost Per Month

$218

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 2016 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.

$2,610
Average Rate
Your Rate
$2,610

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 2016 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 2016 BMW 650xi is $2,610.

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.

2016 BMW 650xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 650xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$992
2Acura ILX$1,686-$924
3Lexus IS 300$1,792-$818
4Volvo S80$1,834-$776
5Mercedes-Benz C350E$1,842-$768
6Lexus RC 300$1,856-$754
7Audi A3$1,888-$722
8Mercedes-Benz AMG CLA45$1,910-$700
9Lincoln MKZ$1,914-$696
10Lexus ES 300H$1,924-$686
11Audi A6$1,936-$674
12Mercedes-Benz CLA250$1,982-$628
13BMW 528i$2,020-$590
14Lexus GS 350$2,036-$574
15Mercedes-Benz E350$2,062-$548
16Audi S4$2,064-$546
17Mercedes-Benz SLK55 AMG$2,068-$542
18BMW 428xi$2,072-$538
19Jaguar XF$2,084-$526
20Cadillac ELR$2,090-$520
21Mercedes-Benz C450 AMG$2,100-$510
22BMW 428i$2,106-$504
23Audi S5$2,116-$494
24Hyundai Genesis$2,130-$480
25BMW 528xi$2,138-$472
26Infiniti Q50$2,144-$466
27BMW 535xi$2,150-$460
28BMW 435xi$2,174-$436
29Mercedes-Benz E250$2,192-$418
30Mercedes-Benz SL400$2,210-$400
31BMW Active 5$2,218-$392
32BMW 435i$2,224-$386
2016 Midsize Luxury Car Average$2,227-$383
33BMW 535d$2,250-$360
34Mercedes-Benz E400$2,300-$310
35BMW 535i$2,308-$302
36Mercedes-Benz E550$2,320-$290
37Audi S6$2,358-$252
38BMW 550i$2,362-$248
39Mercedes-Benz CLS400$2,436-$174
40BMW 550xi$2,452-$158
41Mercedes-Benz SL550$2,456-$154
42BMW 640i$2,490-$120
43Audi A7$2,504-$106
44BMW 640xi$2,510-$100
45BMW M5$2,518-$92
46Audi S7$2,522-$88
47Tesla Model S$2,590-$20
48Mercedes-Benz S550E$2,594-$16
49BMW 650xi$2,610--
50Lexus GS F$2,622$12
51BMW M6$2,796$186
52Mercedes-Benz SL63 AMG$2,876$266
53Mercedes-Benz SL65 AMG$3,584$974

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.

2016 650xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 BMW 650xi Insurance Rates by Trim Level
2016 BMW 650xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,550$213
Convertible$2,604$217
Coupe$2,684$224

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 2016 BMW 650xi for different driver ages.

2016 BMW 650xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,205$767
17$8,964$747
18$8,123$677
19$7,360$613
20$5,661$472
21$5,399$450
22$4,851$404
23$3,945$329
24$3,742$312
25$3,042$254
30$2,794$233
35$2,680$223
40$2,610$218
45$2,434$203
50$2,304$192
55$2,150$179
60$2,158$180
65$2,304$192
70$2,470$206
75$2,884$240
80$3,554$296

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.