BMW 640 Car Insurance Cost 2025
Getting insurance for a BMW 640 typically costs $1,247 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.
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If you’re considering purchasing a BMW 640, it’s essential to factor in the cost of insurance. On average, insurance for a BMW 640 costs $1,247 per year. 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 A BMW 640 Car Insurance Cost?
Typically, BMW 640 drivers can find car insurance at an average rate of $1,247 per year. However, the cost can vary depending on factors like your driving history, location, and the coverage options you choose. It’s a good idea to shop around and compare quotes to get the best rate for your specific circumstances.
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 |
| 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 |
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
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 M2 Car Insurance
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- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- 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.
