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BMW 640 Car Insurance Cost

Obtaining insurance for a BMW 640 usually costs around $1,247 per year with Direct General Insurance. However, the exact amount can change depending on factors like your age, the car’s model year, and other factors. You can use the quote tables below to estimate the specific cost for you.

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Updated: 09 October 2024

Written by Bob Phillips

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If you’re considering purchasing a BMW 640, it’s essential to factor in the cost of insurance. Insurance is a significant aspect of car ownership, and it’s vital to comprehend the financial obligation before making a decision.

Selecting the appropriate car insurance is essential to prevent unexpected and potentially costly surprises down the road. It’s crucial to have adequate coverage in the event of an accident to avoid substantial out-of-pocket expenses. Additionally, being responsible for an accident could lead to higher premiums.

Based on more than a decade of analyzing car insurance rates, I’ve observed how much these expenses can fluctuate. Your age, driving record, and location are all key factors that can influence your insurance costs.

How Much Does BMW 640 Car Insurance Cost?

Usually, Direct General Insurance offers the most attractive option, with an annual cost of approximately $1,247 for comprehensive insurance covering a 2020 BMW 640.

While Direct Auto’s pricing can be a helpful benchmark, it’s important to understand that car insurance expenses can vary significantly due to several factors. These include your location, driving history, car age, and the specific coverage options you choose. Typically, a clean driving record leads to lower premiums, but a history of accidents or traffic violations can increase rates.

Additionally, urban areas generally have higher insurance costs compared to rural areas. The type of coverage you select, such as comprehensive coverage versus basic liability, also impacts your premium.

At Insuranceopedia, we’re here to help you compare quotes from different insurance providers, ensuring you find the most favorable deal for your needs.

2019 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
Esurance	$2,309
State Farm	$2,306
California Capital	$2,078
Mercury	$1,617
Mercury Insurance	$1,820
Mississippi Farm Bureau	$2,232
USAA	$1,670
Direct General Insurance	$1,247
Atlantic States Insurance	$1,980
Farmers	$2,397

2018 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
Mercury	$3,510
Grange Mutual	$2,227
Auto-Owners Insurance Co	$3,595
Travelers	$2,425
State Farm	$3,141
SECURA Insurance	$1,919
Country	$2,293
Hastings Mutual Insurance Co	$2,514
Nationwide	$3,147
Pekin Insurance	$1,419

2017 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
Farm Bureau Mutual (IA Group)	$948
Auto-Owners Insurance Co	$1,717
Capital Insurance Group	$1,617
Georgia Farm Bureau	$2,753
Nationwide	$1,912
Safeway	$2,385
Allied	$2,299
USAA	$2,055
State Farm	$2,370
Travelers	$2,533

2016 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
Esurance	$2,557
New Jersey Manufacturers	$1,854
Auto-Owners Insurance Co	$1,943
Penn National	$2,350
Country	$3,472
Capital Insurance Group	$2,386
Hartford	$3,653
21st Century	$2,508
California Capital	$2,227
Auto Club	$2,983

2015 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
California Capital	$2,451
Mercury	$2,609
New Jersey Manufacturers	$1,365
National General	$2,398
Farmers	$2,795
Plymouth Rock	$2,532
21st Century	$2,529
Penn National	$1,483
National General Value	$2,412
Esurance	$2,183

2014 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
Esurance	$1,924
Erie	$1,184
Central Mutual Insurance Co	$1,992
USAA	$1,948
Allied	$1,519
Country	$1,405
Auto-Owners Insurance Co	$1,677
Penn National	$812
Virginia Farm Bureau	$855
Mercury	$1,731

2013 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
Auto-Owners Insurance Co	$1,817
Central Mutual Insurance Co	$2,042
Country	$1,597
SafeAuto	$815
NatGen Advantage	$1,075
Nationwide	$1,935
Esurance	$1,787
Mercury	$1,689
USAA	$1,894
NatGen Value	$699

2012 BMW 640 Insurance Rates

Insurance Provider	Average Annual Cost
United Automobile Ins Group	$2,715
Erie	$2,828
Nationwide	$3,196
Allied	$1,692
Encompass	$3,352
Penn National	$1,923
Allstate	$2,328
Mercury	$1,682
State Farm	$2,193
USAA	$1,137

Compare BMW 640 To Other BMW Models

Looking for other BMW model insurance costs?

Our Methodology

To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

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Quotes Analyzed

Brands Reviewed

40+

Research Hours

15+

Years Of Experience