BMW 640 Car Insurance Cost 2025
Getting insurance for a BMW 640 typically costs $2,572 per year on average. However, the actual cost of your insurance may vary depending on factors such as your age, the model year of the car, and other specific considerations. You can use our quote tables below to estimate the cost for your situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
The average annual cost to insure a 2025 BMW 640i is approximately $2,572, or about $214 per month, for a driver with a clean record and full coverage. As a high-end luxury sedan, the BMW 640i comes with elevated insurance premiums due to its powerful engine, advanced safety systems, and expensive repair parts. Insurance providers factor in the vehicle’s overall value, cost to replace components, and its classification as a performance model. While rates can vary based on personal and regional factors, comparing multiple quotes and applying available discounts can help reduce insurance costs for BMW 640 owners.
How Much Does BMW 640 Car Insurance Cost?
Typically, BMW 640 drivers can find car insurance at an average rate of $2,572 per year.
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.
Average Insurance Cost Of BMW 640 By Model Year
| Model Year | Average Premium |
| 2025 BMW 640 | $2,611 |
| 2019 BMW 640 | $1,966 |
| 2018 BMW 640 | $2,619 |
| 2017 BMW 640 | $2,059 |
| 2016 BMW 640 | $2,593 |
| 2015 BMW 640 | $2,276 |
| 2014 BMW 640 | $1,505 |
| 2013 BMW 640 | $1,535 |
| 2012 BMW 640 | $2,305 |
2025 BMW 640 Insurance Rates
The average annual insurance cost for a 2025 BMW 640 is $2,611. However, Pekin Insurance Insurance offers the cheapest rates, averaging $1,449 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $1,449 |
| SECURA Insurance | $1,878 |
| Grange Mutual | $2,250 |
| Country | $2,307 |
| Travelers | $2,391 |
| Hastings Mutual Insurance Co | $2,532 |
| State Farm | $3,099 |
| Nationwide | $3,141 |
| Mercury | $3,480 |
| Auto-Owners Insurance Co | $3,578 |
2019 BMW 640 Insurance Rates
The average annual insurance cost for a 2019 BMW 640 is $1,966. However, Direct General Insurance offers the cheapest rates, averaging $1,247 per year.
| 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
The average annual insurance cost for a 2018 BMW 640 is $2,619. However, Pekin Insurance offers the cheapest rates, averaging $1,419 per year.
| 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
The average annual insurance cost for a 2017 BMW 640 is $2,059. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $948 per year.
| 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
The average annual insurance cost for a 2016 BMW 640 is $2,593. However, Auto-Owners Insurance Co offers the cheapest rates, averaging $1,943 per year.
| 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 |
Find Affordable BMW 640 Insurance Rates
2015 BMW 640 Insurance Rates
The average annual insurance cost for a 2015 BMW 640 is $2,276. However, Penn National offers the cheapest rates, averaging $1,483 per year.
| 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
The average annual insurance cost for a 2014 BMW 640 is $1,505. However, Penn National offers the cheapest rates, averaging $812 per year.
| 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
The average annual insurance cost for a 2013 BMW 640 is $1,535. However, NatGen Value offers the cheapest rates, averaging $699 per year.
| 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
The average annual insurance cost for a 2012 BMW 640 is $2,305. However, USAA offers the cheapest rates, averaging $1,137 per year.
| 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 |
Find Affordable BMW 640 Insurance Rates
Are BMW 640s Expensive To Insure?
Insuring a BMW 640 can be relatively expensive compared to the average vehicle. For instance, the average annual insurance cost for a 2019 BMW 640 is $1,966, with some providers offering rates as low as $1,247 per year cite turn0search2. This higher cost is attributed to factors such as the vehicle’s high-performance engine, advanced technology features, and elevated repair expenses. Additionally, the BMW 640’s classification as a luxury vehicle contributes to increased insurance premiums. However, actual insurance rates can vary based on individual factors like driving history, location, and coverage choices. To secure the best rate, it’s advisable to compare quotes from multiple insurers and consider available discounts.
Cheapest Car Insurance Companies For A BMW 640
Direct General Insurance tops the list with an estimated annual premium of around $1,202, or $100 per month, making it one of the most budget-friendly options. Mercury Insurance and USAA also offer highly competitive rates, especially valued for their strong customer service and digital tools. Atlantic States and California Capital follow with reasonable pricing and solid regional reputations.
| Insurance Company | Monthly Average |
| Direct General Insurance | $100 |
| Mercury Insurance | $135 |
| USAA | $141 |
| Atlantic States Insurance | $163 |
| California Capital | $170 |
Common BMW 640 Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider will offer their own discounts, there are some common ones which you can check your eligibility for.
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution, you can become eligible for discounted prices.
There are other discounts that you can apply for. You should speak to your insurance agent, as they can help you find ones that you are eligible for.
Compare BMW 640 To Other BMW Models
Looking for other BMW model insurance costs?
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- BMW M5 Car Insurance
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- BMW X6 Car Insurance
- BMW X2 Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used for this calculation was a 40-year-old male driver purchasing full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the figures in this guide may differ from your individual results, as rates can vary depending on factors like age, location, driving history, and specific coverage options.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW 640?
Yes, you will need to provide proof of insurance before you can drive your BMW 640 out of the dealership. The best thing to do is buy a policy and then let your insurance company know that you are about to buy your car, instead of getting insurance through your dealership.
How Can You Get The Cheapest Insurance For Your BMW 640?
The best way to find the cheapest rates for your BMW 640 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia offers an easy way to compare quotes from multiple providers directly on our website. This allows you to find the most competitive rates tailored to your specific needs and circumstances, helping you save on car insurance.
