BMW 640xi Insurance Costs Revealed: 2025 Rate Guide

• BMW 640xi car insurance rates average $2,642 per year or around $220 per month, but can vary based on deductibles and limits.
• Out of 49 vehicles in the midsize luxury car segment, the 640xi ranks 36^th for insurance affordability.
• The cheapest 640xi trim level to insure is the Gran Turismo Sedan trim level at an average of $2,452 per year.
• The 640xi Convertible is the most expensive to insure at $2,858 per year.

How much does BMW 640xi car insurance cost?

Ranked 36^th out of 49 vehicles in the 2018 midsize luxury car class, BMW 640xi insurance costs an average of $2,642 yearly, or $204 to $238 a month depending on the trim level.

With the average midsize luxury car costing $2,459 a year to insure, the BMW 640xi may cost around $183 or more on an annual basis. When compared to all vehicles (not just the midsize luxury car segment), average BMW 640xi insurance costs 17.3% more than the national average car insurance rate of $2,221 per year.

The next chart illustrates how average BMW 640xi auto insurance rates can be different based on a variety of driver ages and comprehensive and collision deductibles. The values shown range from the cheapest policy cost of $1,814 per year for a driver age 60 with high physical damage deductibles to the highest cost of $6,336 each year for a 20-year-old driver with low physical damage deductibles.

The table below details average BMW 640xi insurance rates from the 2014 to the 2018 model years.

The next table shows the average annual and 6-month policy costs, in addition to a monthly insurance rate, for each 2018 BMW 640xi package and trim.

More BMW 640xi car insurance rates

Other key data insights about BMW 640xi insurance rates include:

• Obey the law to get lower insurance cost. If you want to get the best price on BMW 640xi insurance rates, it pays to be a safe driver. As few as two blemishes on your driving record can increase the cost of a policy as much as $702 per year.
• Polish up your credit rating for lower rates. Drivers who have credit scores over 800 may save $415 per year over a slightly lower credit score between 670-739. Conversely, a less-than-perfect credit history could cost around $481 more per year.
• Fewer accidents means cheaper BMW 640xi insurance. Having frequent accidents may increase rates, as much as $3,820 per year for a 20-year-old driver and as much as $628 per year for a 60-year-old driver.
• Research policy discounts to save money. Discounts may be available if the insureds are military or federal employees, insure their home and car with the same company, are accident-free, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average driver as much as $446 per year on BMW 640xi insurance.
• Increase physical damage deductibles to save money. Raising deductibles from $500 to $1,000 could save around $456 per year for a 40-year-old driver and $908 per year for a 20-year-old driver.
• Lowering deductibles makes car insurance more expensive. Lowering your policy deductibles from $500 to $250 could cost an additional $478 per year for a 40-year-old driver and $968 per year for a 20-year-old driver.
• BMW 640xi insurance for teen drivers is expensive. Average rates for full coverage 640xi insurance costs $9,371 per year for a 16-year-old driver, $9,143 per year for a 17-year-old driver, $8,305 per year for an 18-year-old driver, and $7,506 per year for a 19-year-old driver.

How does 640xi insurance cost compare?

When compared to other popular midsize luxury cars, auto insurance rates for a BMW 640xi cost $580 more per year than the Lexus ES 350, $354 more than the BMW 530i, and $192 more than the Infiniti Q50.

The BMW 640xi ranks 36^th out of 49 total vehicles in the midsize luxury car class for most affordable car insurance cost. The 640xi costs an average of $2,642 per year for full coverage car insurance and the segment median rate is $2,459 per year, a difference of $183 per year.

The following chart shows how well average BMW 640xi car insurance rates compare to the top 10 selling midsize luxury cars like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6. A table is also added after the chart displaying average insurance rates for every vehicle in the midsize luxury car segment.