BMW 650 Car Insurance Cost 2025
Getting insurance for a BMW 650 typically costs $1,100 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.
Insuring a BMW 650 typically costs more than the average vehicle due to its high-end features, powerful engine, and luxury branding. On average, drivers can expect to pay around $2,500 per year for full coverage, although rates can range anywhere from $1,100 to over $4,000 depending on factors like location, driver history, and insurance provider.
The BMW 650’s repair costs and performance specs contribute to higher premiums, making it essential for owners to compare quotes and explore discounts. While it’s not the most expensive luxury car to insure, it’s certainly on the pricier side compared to standard sedans or SUVs.
How Much Does BMW 650 Car Insurance Cost?
Typically, BMW 650 drivers can find car insurance at an average rate of $1,100 per year.
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 |
| 2025 BMW 650 | $2,787 |
| 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 |
2025 BMW 650 Insurance Rates
The average annual insurance cost for a 2025 BMW 650 is $2,787. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,163 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,163 |
| Direct Auto | $2,084 |
| State Farm | $2,386 |
| National General | $2,431 |
| Encompass | $2,553 |
| Mercury | $2,797 |
| Esurance | $3,003 |
| USAA | $3,099 |
| Republic Indemnity | $4,002 |
| Safe Auto | $4,350 |
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
Are BMW 650s Expensive To Insure?
Yes, BMW 650 models typically come with above-average insurance costs. As a luxury performance vehicle, the 650 features high repair costs, powerful engines, and advanced technology—all of which drive up insurance premiums. Additionally, it may be more frequently targeted by thieves and can be more expensive to replace after an accident, increasing perceived risk for insurers. Drivers with clean records can still find competitive rates by comparing quotes across providers. Factors like age, location, driving history, and coverage choices all influence the final premium, so it’s worth shopping around for the best deal.
Cheapest Car Insurance Companies For A BMW 650
SafeAuto stands out as the cheapest option, offering coverage at around $703 annually or $59 per month. Texas Farm Bureau Group also provides highly competitive rates, estimated at $1,163 per year or $97 monthly. Mercury Insurance falls in the mid-range, with an estimated annual premium of $1,775. Travelers and National General are slightly more expensive, with premiums of approximately $3,207 and $3,567 respectively. These figures serve as a helpful reference, though actual quotes may vary by individual driver and location.
| Insurance Company | Annual Premium |
| Mercury Insurance | $148 |
| Texas Farm Bureau Group | $97 |
| National General | $297 |
| Travelers | $267 |
| SafeAuto | $59 |
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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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.
