BMW 650i Insurance Costs and Comparisons: 2025 Edition

How much does BMW 650i insurance cost? We compared average rates for the 650i Gran Coupe and the xDrive model to discover how prices rank when compared to the rest of the large luxury car market.

Start a Free QuoteCompare BMW 650i car insurance quotes and save on your next policy.

  • BMW 650i insurance costs an average of $3,002 per year for a full coverage policy, but can vary based on the vehicle trim level.
  • The cheapest BMW 650i insurance is on the Gran Coupe trim at $2,974 per year.
  • The 650i Gran Coupe xDrive has the most expensive insurance rates at $3,032 per year.
  • Out of 31 competing large luxury cars for 2019, the 650i ranks 21st for insurance cost.

How much does BMW 650i insurance cost?

Ranked 21st out of 31 vehicles in the large luxury car class, BMW 650i insurance rates are approximately $3,002 yearly, or $250 each month. With the average large luxury car costing $2,981 a year to insure, the BMW 650i would cost around $21 or more annually.

The bar chart below breaks down average car insurance rates for a 2019 BMW 650i with a variety of different driver ages and risk profiles.

Average 2019 BMW 650i insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2019 BMW 650i insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2019 model year BMW 650i with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW 650i trim levels.

2019 BMW 650i Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,916$576
Safe Driver Age 20$6,088$507
At-fault Accidents Age 40$4,220$352
Low Deductibles Age 40$4,074$340
Safe Driver Age 30$3,222$269
Safe Driver Age 40$3,002$250
Safe Driver Age 50$2,634$220
Discount Rate Age 40$2,492$208
Safe Driver Age 60$2,472$206
High Deductibles Age 40$2,458$205

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2019 BMW 650i trim levels. Updated June 26, 2025

The table below shows annual and 6-month car insurance policy costs, including a monthly budget figure, for each BMW 650i model and trim level.

2019 BMW 650i Insurance Rates by Trim Level
2019 BMW 650i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,974$248
Gran Coupe xDrive$3,032$253

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. Updated June 27, 2025

Insurance cost by trim level for a 2019 BMW 650i ranging from the Gran Coupe model at $2,974 per year to the Gran Coupe xDrive model at $3,032
Insurance cost by trim level for a 2019 BMW 650i ranging from the Gran Coupe model at $2,974 per year to the Gran Coupe xDrive model at $3,032

The table below illustrates average BMW 650i insurance rates for the 2013 to 2019 model years.

BMW 650i Insurance Cost for 2013-2019 Models
Model Year and Vehicle Annual Premium Cost Per Month
2019 BMW 650i$3,002$250
2018 BMW 650i$2,838$237
2017 BMW 650i$2,742$229
2016 BMW 650i$2,680$223
2015 BMW 650i$2,380$198
2014 BMW 650i$2,386$199
2013 BMW 650i$2,244$187

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 BMW 650i trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2019 BMW 650i models
Average annual premium and cost per month to insure 2013 to 2019 BMW 650i models

How do 650i car insurance rates compare?

When the BMW 650i is compared to popular vehicles in the large luxury car segment, insurance costs $836 more per year than the Audi A5, $26 more than the BMW 740i, and $744 more than the Cadillac XTS.

The BMW 650i ranks 21st out of 31 total vehicles in the large luxury car class for car insurance affordability. The 650i costs an estimated $3,002 per year for an auto insurance policy with full coverage and the segment median rate is $2,981 per year, a difference of $21 per year.

The table displayed below shows how well average BMW 650i car insurance rates compare to the rest of the U.S. large luxury car market like the Cadillac CT6, Lincoln Continental, and the Porsche Panamera.

Insurance Cost Comparison: BMW 650i vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Cadillac CTS$2,124-$878
2Lincoln Continental$2,156-$846
3Audi A5$2,166-$836
4Cadillac CT6$2,220-$782
5Cadillac XTS$2,258-$744
6Volvo S90$2,358-$644
7Infiniti Q70$2,436-$566
8Acura RLX$2,512-$490
9Infiniti Q60$2,614-$388
10Lexus LS 500$2,644-$358
11Lexus LS 500H$2,654-$348
12Mercedes-Benz AMG E53$2,664-$338
13Genesis G90$2,744-$258
14Kia K900$2,784-$218
15Mercedes-Benz AMG CLS53$2,796-$206
16Cadillac CTS-V$2,810-$192
17Mercedes-Benz S450$2,854-$148
18Jaguar XJ$2,870-$132
19BMW 740e$2,956-$46
20BMW 740i$2,976-$26
21BMW 650i$3,002--
22BMW M850i$3,010$8
23Mercedes-Benz E63 AMG$3,210$208
24Audi A8$3,218$216
25Mercedes-Benz S560$3,228$226
26BMW 750i$3,234$232
27Porsche Panamera$3,394$392
28BMW M760i$3,870$868
29Mercedes-Benz AMG S63$3,958$956
30Mercedes-Benz S65 AMG$4,972$1,970
31Bentley Mulsanne$5,734$2,732

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 vehicle from the 2019 model year. Updated June 27, 2025

At $3,002 per year, insurance cost for a 2019 BMW 650i ranks 21st out of 31 models in the large luxury car segment
At $3,002 per year, insurance cost for a 2019 BMW 650i ranks 21st out of 31 models in the large luxury car segment

Additional rates and insights

A few additional rates and observations about 650i insurance include:

  • Driving citations can increase insurance rates. In order to have the cheapest BMW 650i insurance rates, it pays to be a cautious driver and not get traffic citations. A few minor blemishes on your driving record could result in increasing insurance policy cost as much as $792 per year. Major convictions like hit-and-run, DUI or reckless driving could raise rates by an additional $2,790 or more.
  • High-risk auto insurance costs more. For a 40-year-old driver, having a high frequency of accidents or violations could trigger a rate increase of $3,624 or more per year.
  • Age and gender affect car insurance rates. For a 2019 BMW 650i, a 20-year-old man will have an average rate of $6,088 per year, while a 20-year-old female will get a rate of $4,326, a difference of $1,762 per year. The females get the cheaper rate by far. But by age 50, male rates are $2,634 and the rate for women is $2,580, a difference of only $54.
  • The older you get, the cheaper insurance rates become. The difference in insurance rates for a BMW 650i between a 60-year-old driver ($2,472 per year) and a 30-year-old driver ($3,222 per year) is $750, or a savings of 26.3%.
  • Get a discount from your employment. Many auto insurance companies offer discounts for working in professions like police officers and law enforcement, accountants, college professors, nurses, lawyers, and others. Having this discount applied to your policy could potentially save between $90 and $202 on your annual 650i insurance premium, subject to the policy coverages selected.
  • Make your policy cheaper by raising deductibles. Raising deductibles from $500 to $1,000 could save around $544 per year for a 40-year-old driver and $1,086 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy cost. Dropping your deductibles from $500 to $250 could cost an additional $570 per year for a 40-year-old driver and $1,152 per year for a 20-year-old driver.