- BMW 650xi car insurance costs an average of $2,848 per year or around $237 per month.
- The cheapest 650xi model to insure is the Gran Coupe trim level at an estimated $2,820 per year.
- The 650xi Convertible is the most expensive to insure at $2,878 per year.
- Ranked 44th out of 49 midsize luxury cars, insurance cost for the BMW 650xi costs $389 more per year than the average cost for the segment.
How much does BMW 650xi car insurance cost?
BMW 650xi insurance averages around $2,848 a year, or around $237 if paid each month. Overall, expect to pay about $389 more each year for BMW 650xi insurance compared to the midsize luxury cars average rate, and $627 more per year than the all-vehicle national average of $2,221.
The rate chart below displays average car insurance cost on a 2018 BMW 650xi using different combinations of risk and driver age.
The data table below breaks down average BMW 650xi full coverage car insurance policy costs for the 2013-2018 model years and a range of rated drivers.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2018 BMW 650xi | $5,776 | $2,848 | $2,348 |
| 2017 BMW 650xi | $5,506 | $2,724 | $2,244 |
| 2016 BMW 650xi | $5,274 | $2,610 | $2,158 |
| 2015 BMW 650xi | $4,826 | $2,392 | $1,978 |
| 2014 BMW 650xi | $4,832 | $2,390 | $1,980 |
| 2013 BMW 650xi | $4,784 | $2,370 | $1,968 |
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 BMW 650xi trim levels for each model year. Updated June 27, 2025
The next table shows average car insurance policy costs, in addition to a monthly budget figure, for each 2018 BMW 650xi trim level.
| 2018 BMW 650xi Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Gran Coupe | $2,820 | $235 |
| Convertible | $2,878 | $240 |
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
Is BMW 650xi car insurance expensive?
The BMW 650xi ranks 44th out of 49 comparison vehicles in the midsize luxury car segment for most affordable car insurance rates. Insurance for a 650xi costs an average of $2,848 per year, while the class median rate is $2,459 annually, a difference of $389 per year.
When average rates are compared to the best-selling models in the 2018 midsize luxury car category, auto insurance rates for a BMW 650xi cost $786 more per year than the Lexus ES 350, $560 more than the BMW 530i, and $398 more than the Infiniti Q50.
The chart displayed below shows how average BMW 650xi car insurance rates compare to the best-selling midsize luxury cars in the U.S. like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6. A more comprehensive data table is included following the chart that ranks insurance policy costs for all 49 vehicles in the midsize luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura ILX | $1,756 | -$1,092 |
| 2 | Lexus IS 300 | $1,908 | -$940 |
| 3 | Lexus RC 300 | $1,992 | -$856 |
| 4 | Mercedes-Benz SLC300 | $2,058 | -$790 |
| 5 | Lexus ES 350 | $2,062 | -$786 |
| 6 | Mercedes-Benz AMG CLA45 | $2,076 | -$772 |
| 7 | Audi S5 | $2,114 | -$734 |
| 8 | Audi A3 | $2,126 | -$722 |
| 9 | Mercedes-Benz CLA250 | $2,136 | -$712 |
| 10 | Mercedes-Benz C350E | $2,146 | -$702 |
| 11 | Lincoln MKZ | $2,158 | -$690 |
| 12 | Mercedes-Benz E300 | $2,162 | -$686 |
| 13 | Lexus ES 300H | $2,170 | -$678 |
| 14 | Genesis G80 | $2,174 | -$674 |
| 15 | BMW 430i | $2,190 | -$658 |
| 16 | Audi A6 | $2,212 | -$636 |
| 17 | Audi S4 | $2,224 | -$624 |
| 18 | Lexus GS 300 | $2,260 | -$588 |
| 19 | Jaguar XE | $2,262 | -$586 |
| 20 | Lexus GS 350 | $2,282 | -$566 |
| 21 | BMW 530i | $2,288 | -$560 |
| 22 | BMW 540xi | $2,298 | -$550 |
| 23 | BMW 540i | $2,304 | -$544 |
| 24 | BMW 440i | $2,334 | -$514 |
| 25 | Jaguar XF | $2,354 | -$494 |
| 26 | Mercedes-Benz AMG C43 | $2,410 | -$438 |
| 27 | Mercedes-Benz SL450 | $2,430 | -$418 |
| 28 | Mercedes-Benz E400 | $2,442 | -$406 |
| 29 | Infiniti Q50 | $2,450 | -$398 |
| 30 | BMW 530e | $2,460 | -$388 |
| 31 | Audi RS 5 | $2,490 | -$358 |
| 32 | Mercedes-Benz AMG E43 | $2,500 | -$348 |
| 33 | BMW 530xi | $2,504 | -$344 |
| 34 | BMW M550i | $2,582 | -$266 |
| 35 | Mercedes-Benz AMG C63 | $2,634 | -$214 |
| 36 | BMW 640xi | $2,642 | -$206 |
| 37 | Audi S6 | $2,662 | -$186 |
| 38 | BMW 640i | $2,712 | -$136 |
| 39 | Mercedes-Benz SL550 | $2,762 | -$86 |
| 40 | Lexus GS F | $2,772 | -$76 |
| 41 | Tesla Model S | $2,810 | -$38 |
| 42 | Lexus LC 500H | $2,834 | -$14 |
| 43 | Audi A7 | $2,844 | -$4 |
| 44 | BMW 650xi | $2,848 | -- |
| 45 | Audi S7 | $3,022 | $174 |
| 46 | BMW M5 | $3,034 | $186 |
| 47 | BMW M6 | $3,228 | $380 |
| 48 | Mercedes-Benz SL63 AMG | $3,280 | $432 |
| 49 | Mercedes-Benz SL65 AMG | $4,084 | $1,236 |
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 2018 model year. Updated June 26, 2025
Supplementary rates and information
Some other key observations about BMW 650xi insurance rates include:
- Raising deductibles makes insurance more affordable. Boosting your deductibles from $500 to $1,000 could save around $516 per year for a 40-year-old driver and $1,032 per year for a 20-year-old driver.
- The lower deductible you choose, the higher the policy cost. Dropping your deductibles from $500 to $250 could cost an additional $542 per year for a 40-year-old driver and $1,094 per year for a 20-year-old driver.
- BMW 650xi insurance rates for teenagers are high. Average rates for full coverage BMW 650xi insurance costs $9,959 per year for a 16-year-old driver, $9,752 per year for a 17-year-old driver, $8,934 per year for an 18-year-old driver, and $8,050 per year for a 19-year-old driver.
- Get cheaper rates because of your employer. The large majority of car insurance companies offer discounts for being employed in professions like college professors, nurses, dentists, architects, emergency medical technicians, and others. Earning this discount could potentially save between $85 and $193 on your auto insurance bill, depending on the coverage levels.
- No accidents means better rates. Being the cause of frequent accidents will raise rates, to the tune of $4,084 per year for a 20-year-old driver and even as much as $646 per year for a 60-year-old driver.
- The older you get, the cheaper insurance rates become. The difference in 650xi insurance cost between a 60-year-old driver ($2,348 per year) and a 20-year-old driver ($5,776 per year) is $3,428, or a savings of 84.4%.
- A good driving record pays dividends. If you want to get the most affordable price on 650xi insurance rates, it pays to obey traffic laws. In fact, just one or two minor traffic violations could raise 650xi insurance rates as much as $750 per year. Serious violations like driving while intoxicated could raise rates by an additional $2,646 or more.
- Car insurance for high-risk drivers is expensive. For a 20-year-old driver, the requirement to buy a high-risk policy could inflate rates by $4,498 or more per year.