BMW 650 Car Insurance Cost 2025
Getting insurance for a BMW 650 typically costs $1,108 per year on average. However, the exact cost can vary depending on factors such as your age, the year of the car model, and other considerations. You can use quote comparison tools to get a more specific estimate tailored to your circumstances.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a BMW 650, one important factor to consider is the cost of insurance. On average, insurance for a BMW 650 costs $1,108 per year. Insurance plays a significant role in car ownership, and it’s essential to comprehend the financial obligation before making a decision.
Selecting the appropriate car insurance is vital to prevent unexpected and potentially costly surprises in the future. It’s crucial to have adequate coverage in the event of an accident to avoid substantial out-of-pocket expenses. Moreover, being responsible for an accident can lead to higher premiums.
With over a decade of experience analyzing car insurance rates, I’ve noticed how much these expenses can vary. Factors such as your age, driving record, and location all play a significant role in determining your insurance premiums.
How Much Does A BMW 650 Car Insurance Cost?
Typically, BMW 650 drivers can find car insurance at an average rate of $1,108 per year. However, this can vary based on factors such as your driving history, location, and coverage choices. It’s always a good idea to shop around for the best rates.
While Texas Farm Bureau Group’s pricing is a helpful starting point, it’s crucial to understand that car insurance expenses can vary significantly due to various factors. These factors include your location, driving record, car age, and the specific coverage options you choose. Generally, having a clean driving history results in lower premiums, but past accidents or traffic violations can increase rates.
Additionally, urban areas typically have higher insurance costs compared to rural ones. The type of coverage you select also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re available to support you in comparing quotes from different insurance providers to ensure you find the most suitable deal for your needs.
Average Insurance Cost Of BMW 650 By Model Year
| Model Year | Average Premium |
| 2020 BMW 650 | $2,816 |
| 2019 BMW 650 | $7,194 |
| 2017 BMW 650 | $4,903 |
| 2016 BMW 650 | $3,209 |
| 2015 BMW 650 | $2,370 |
| 2014 BMW 650 | $1,405 |
| 2013 BMW 650 | $1,329 |
| 2012 BMW 650 | $1,432 |
| 2010 BMW 650 | $1,796 |
2020 BMW 650 Insurance Rates
The average annual insurance cost for a 2020 BMW 650 is $2,816. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,108 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,108 |
| Direct Auto | $1,985 |
| State Farm | $2,272 |
| National General | $2,431 |
| Encompass | $2,664 |
| Mercury | $2,860 |
| Esurance | $2,951 |
| USAA | $3,811 |
| Republic Indemnity | $3,937 |
| Safe Auto | $4,143 |
2019 BMW 650 Insurance Rates
The average annual insurance cost for a 2019 BMW 650 is $7,194. However, Travelers offers the cheapest rates, averaging $3,242 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $6,236 |
| USAA | $5,880 |
| Chubb | $9,369 |
| Hanover | $9,619 |
| Travelers | $3,242 |
| Safeco | $7,942 |
| Dairyland | $8,949 |
| Nationwide | $8,051 |
| State Farm | $5,419 |
| Allstate | $7,228 |
2017 BMW 650 Insurance Rates
The average annual insurance cost for a 2017 BMW 650 is $4,903. However, National General Value offers the cheapest rates, averaging $3,538 per year.
| Insurance Provider | Average Annual Cost |
| National General RAD | $7,059 |
| Dairyland | $5,448 |
| National General | $3,567 |
| National General Value | $3,538 |
2016 BMW 650 Insurance Rates
The average annual insurance cost for a 2016 BMW 650 is $3,209. However, California Capital offers the cheapest rates, averaging $2,324 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $3,438 |
| Travelers | $3,534 |
| Auto Club | $3,102 |
| Grange | $3,552 |
| Mercury | $3,010 |
| Allstate | $3,452 |
| Hartford | $3,234 |
| California Capital | $2,324 |
| Unitrin | $3,572 |
| Farmers | $2,876 |
2015 BMW 650 Insurance Rates
The average annual insurance cost for a 2015 BMW 650 is $2,370. However, Mercury Insurance Company offers the cheapest rates, averaging $259 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $2,014 |
| Georgia Farm Bureau | $2,539 |
| Country | $2,411 |
| California Capital | $2,637 |
| Hartford | $3,025 |
| Infinity Special | $1,732 |
| Mercury Insurance Company | $259 |
| Auto Club | $3,159 |
| ACCC Insurance Company | $3,145 |
| Travelers | $2,782 |
Find Affordable BMW 650 Insurance Rates
2014 BMW 650 Insurance Rates
The average annual insurance cost for a 2014 BMW 650 is $1,405. However, SafeAuto offers the cheapest rates, averaging $703 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $1,419 |
| GMAC Insurance Group | $1,858 |
| Country | $1,340 |
| Pekin Insurance | $1,188 |
| North Carolina Farm Bureau | $1,516 |
| Dairyland Broadform | $1,823 |
| Auto-Owners Insurance Co | $1,519 |
| Erie | $1,396 |
| SafeAuto | $703 |
| SECURA Insurance | $1,291 |
2013 BMW 650 Insurance Rates
The average annual insurance cost for a 2013 BMW 650 is $1,329. However, Country offers the cheapest rates, averaging $553 per year.
| Insurance Provider | Average Annual Cost |
| American National P&C | $1,089 |
| Virginia Farm Bureau | $1,688 |
| Pekin Insurance | $1,132 |
| Direct Auto | $1,742 |
| Buckeye Insurance Group | $1,650 |
| Norfolk and Dedham Group | $1,789 |
| Country | $553 |
| SECURA Insurance | $1,551 |
| Safety Group | $829 |
| Texas Farm Bureau Group | $1,271 |
2012 BMW 650 Insurance Rates
The average annual insurance cost for a 2012 BMW 650 is $1,432. However, Mercury Insurance offers the cheapest rates, averaging $933 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $1,096 |
| American Independent Ins Co | $1,998 |
| Mercury Insurance | $933 |
| Clearcover | $1,603 |
| Auto-Owners Insurance Co | $1,563 |
| GMAC Insurance Group | $1,549 |
| Farm Bureau Mutual (IA Group) | $1,389 |
| Virginia Farm Bureau | $1,034 |
| Penn National | $1,876 |
| Country | $1,280 |
2010 BMW 650 Insurance Rates
The average annual insurance cost for a 2010 BMW 650 is $1,796. However, SafeAuto offers the cheapest rates, averaging $557 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $2,135 |
| Colorado Farm Bureau Mutual | $1,465 |
| California Capital | $2,148 |
| Esurance | $2,024 |
| Nationwide | $2,311 |
| SafeAuto | $557 |
| Auto-Owners Insurance Co | $1,716 |
| Allstate | $2,218 |
| National Farmers Union P | $1,803 |
| Direct Auto | $1,586 |
Find Affordable BMW 650 Insurance Rates
Common BMW 650 Insurance Discounts
Lowering your car insurance costs can be made easier through various discounts offered by auto insurance providers. Common discounts you might qualify for include:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often results in a discounted rate.
- Pay annually: Paying your premium in full instead of monthly installments may lead to savings.
- Defensive driving: Completing a certified defensive driving course can make you eligible for reduced rates.
There may be additional discounts specific to your situation. Consult with your insurance agent to identify all the discounts you qualify for and maximize your savings.
Compare BMW 650 To Other BMW Models
Looking for other BMW model insurance costs?
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- BMW M5 Car Insurance
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- BMW X5 Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that these figures may differ from your individual results due to varying personal factors.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A BMW 650?
Yes, proof of insurance is required before driving your BMW 650 off the dealership lot. The ideal approach is to purchase a policy beforehand and inform your insurance provider about your upcoming car purchase, rather than relying on insurance options provided by the dealership.
How Can You Get The Cheapest Insurance For Your BMW 650?
To secure the most affordable insurance rates for your BMW 650, it’s best to shop around and compare quotes from various auto insurance companies. Insuranceopedia simplifies this process by allowing you to compare quotes from multiple providers directly on our website.
