BMW 640i Insurance Rates and Cost Comparisons: 2025 Edition

• BMW 640i insurance costs an average of $2,772 per year, or around $231 per month, for full coverage.
• With the cheapest car insurance rates, the 640i Gran Coupe costs an average of $2,752 per year to insure.
• At the high end, the 640i Gran Coupe xDrive is the most expensive to insure at $2,806 for an annual policy.
• The 640i ranks 31^st out of 39 vehicles in the midsize luxury car class for insurance affordability.

How much does BMW 640i car insurance cost?

BMW 640i insurance costs an average of $2,772 a year, or around $231 a month. Drivers can plan on paying about $275 more per year to insure a BMW 640i compared to the midsize luxury car average rate, and $551 more per year than the all-vehicle national average car insurance rate of $2,221.

The chart below breaks down average car insurance cost for a 2019 BMW 640i using a variety of different risk scenarios.

Some additional observations about BMW 640i insurance rates include:

• Avoiding accidents keeps insurance rates low. Having frequent accidents may increase rates, to the tune of $3,992 per year for a 20-year-old driver and even as much as $652 per year for a 60-year-old driver.
• As you get older, rates tend to drop. The difference in insurance rates for a 2019 640i between a 60-year-old driver ($2,286 per year) and a 30-year-old driver ($2,968 per year) is $682, or a savings of 26%.
• Polish up your credit rating for lower rates. An excellent credit score over 800 could save as much as $435 per year compared to a credit score between 670-739. Conversely, a weak credit score could cost around $505 more per year.
• High-risk drivers pay extremely high rates. For a 30-year-old driver, having too many driving record violations or accidents could raise rates by $3,432 or more per year.
• Obey the law to get lower insurance rates. If you want to pay the lowest price for 640i insurance, it pays to be a conservative driver. As few as two driving offenses could result in increasing 640i insurance cost as much as $736 per year. Serious citations like hit-and-run could raise rates by an additional $2,592 or more.

Which BMW 640i has cheap insurance?

The cheapest BMW 640i trim level to insure is the Gran Coupe at an average of $2,752 per year. The Gran Coupe xDrive model is the most expensive 640i to insure, at an average annual cost of $2,806.

The rate table below shows average annual and semi-annual auto insurance policy costs, including a monthly budget figure, for each BMW 640i model and trim level.

How does 640i insurance compare to similar vehicles?

When compared to other midsize luxury cars, auto insurance rates for a BMW 640i cost $632 more per year than the Lexus ES 350, $328 more than the BMW 530i, $158 more than the Infiniti Q50, and $606 more than the Lincoln MKZ.

The BMW 640i ranks 31^st out of 39 comparison vehicles in the midsize luxury car segment. The 640i costs an estimated $2,772 per year to insure, while the class average rate is $2,497 per year, a difference of $275 per year.

The chart below shows how well the 640i fares against the top-selling midsize luxury cars like the Lexus ES 350, BMW 530i, and the Lincoln MKZ. A larger table after the chart that shows insurance affordability rankings for all 39 vehicles in the midsize luxury car segment.

How much is insurance on a used BMW 640i?

Opting for a 2013 BMW 640i instead of a newer 2019 model year could save up to $646 on insurance cost each year. The 2015 model would save around $422 each year, and the 2017 640i would save an average of $172 each year.

The next table shows average insurance cost on a BMW 640i for a range of driver ages from the 2013 model year up to the 2019 model year. The range of annual policy costs goes from a low of $1,766 for a 60-year-old driver rated on a 2013 BMW 640i to the most expensive rate of $5,486 for a 20-year-old with a 2018 model year 640i.