Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used BMW 6 Series? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW 6 Series insurance facts

  • Average full coverage auto insurance premium: $284/month

  • Most affordable companies: Erie ($168/month) & GEICO ($178/month)

  • 6 Series car insurance cost vs. average rate: $247 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW 6 Series by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average BMW 6 Series insurer costs by state:

Risk factors affecting BMW 6 Series car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW 6 Series car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average 6 Series repair costs equal higher car insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW 6 Series affecting auto policies

Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, 5 series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3516
Allstate$3129
American Family$2240
Erie$2016
GEICO$2136
Kentucky Farm Bureau$3386
Liberty Mutual$2487
Mercury$3015
Nationwide$3287
Progressive$2615
Safeco$3728
State Farm$2865
Tennessee Farmers$2954
Texas Farm Bureau$2784
The Hanover$3480
Travelers$3135
USAA$2369

Compare all 2021 BMW 6 Series rates

Average Cost to Insure Per Year

$3419

List Price

$81000

Trims Available

640i xDrive Gran Turismo - 640i Gran Coupe - 640i xDrive Gran Coupe - 640i - 640i xDrive - 650i Gran Coupe - 650i xDrive Gran Coupe - 650i - 650i xDrive - ALPINA B6 xDrive Gran Coupe - Engine: 315-hp 3.0-liter inline-six (640i) or 445-hp 4.4-liter V-8 (650i) with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3458
Allstate$2816
American Family$1962
Erie$1859
GEICO$2527
Kentucky Farm Bureau$3249
Liberty Mutual$2287
Mercury$2734
Nationwide$3154
Progressive$2344
State Farm$2015
Tennessee Farmers$2614
Texas Farm Bureau$2416
The Hanover$3325
Travelers$3029
USAA$2147

Compare all 2020 BMW 6 Series rates

Average Cost to Insure Per Year

$3120

List Price

$70500

Trims Available

640i xDrive Gran Turismo - 640i Gran Coupe - 640i xDrive Gran Coupe - 640i - 640i xDrive - 650i Gran Coupe - 650i xDrive Gran Coupe - 650i - 650i xDrive - ALPINA B6 xDrive Gran Coupe - Engine: 315-hp 3.0-liter inline-six (640i) or 445-hp 4.4-liter V-8 (650i) with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3244
Allstate$2679
American Family$1859
Erie$1835
GEICO$2315
Kentucky Farm Bureau$2915
Liberty Mutual$2035
Mercury$2549
Nationwide$2843
Progressive$2156
State Farm$1936
Tennessee Farmers$2465
Texas Farm Bureau$2248
The Hanover$3015
Travelers$2750
USAA$2014

Compare all 2019 BMW 6 Series rates

Average Cost to Insure Per Year

$3057

List Price

$70300

Trims Available

640i xDrive Gran Turismo - 640i Gran Coupe - 640i xDrive Gran Coupe - 640i - 640i xDrive - 650i Gran Coupe - 650i xDrive Gran Coupe - 650i - 650i xDrive - ALPINA B6 xDrive Gran Coupe - Engine: 315-hp 3.0-liter inline-six (640i) or 445-hp 4.4-liter V-8 (650i) with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2526
Acuity$ 2526
Allied$ 2006
Allied$ 2006
Arbella$ 2413
Arbella$ 2413
Country$ 2597
Country$ 2597
Erie$ 1976
Erie$ 1976
Mercury$ 1873
Mercury$ 1873
Nationwide$ 2198
Nationwide$ 2198
Plymouth Rock Insurance$ 2045
Plymouth Rock Insurance$ 2045
Progressive$ 1934
Progressive$ 1934
State Farm$ 2065
State Farm$ 2065
Tennessee Farmers$ 1544
Tennessee Farmers$ 1544
USAA$ 2700
USAA$ 2700

Compare all 2018 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2846

List Price

$ 70200

Trims Available

640i xDrive Gran Turismo - 640i Gran Coupe - 640i xDrive Gran Coupe - 640i - 640i xDrive - 650i Gran Coupe - 650i xDrive Gran Coupe - 650i - 650i xDrive - ALPINA B6 xDrive Gran Coupe

2017 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2236
Acuity$ 2236
Allied$ 2038
Allied$ 2038
Arbella$ 2167
Arbella$ 2167
Erie$ 1558
Erie$ 1558
GEICO$ 1919
GEICO$ 1919
Mercury$ 2029
Mercury$ 2029
Nationwide$ 1733
Nationwide$ 1733
Plymouth Rock Insurance$ 1971
Plymouth Rock Insurance$ 1971
Progressive$ 1560
Progressive$ 1560
State Farm$ 1598
State Farm$ 1598
Tennessee Farmers$ 1518
Tennessee Farmers$ 1518
USAA$ 1879
USAA$ 1879

Compare all 2017 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2293

List Price

$ 77600

Trims Available

640i - 640i xDrive - 640i Gran Coupe - 640i xDrive Gran Coupe - 650i - 650i xDrive - 650i Gran Coupe - 650i xDrive Gran Coupe - ALPINA B6 xDrive Gran Coupe

2016 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2140
Acuity$ 2140
Allied$ 1832
Allied$ 1832
Arbella$ 2062
Arbella$ 2062
Country$ 2144
Country$ 2144
Erie$ 1624
Erie$ 1624
GEICO$ 2123
GEICO$ 2123
Mercury$ 1917
Mercury$ 1917
Nationwide$ 2111
Nationwide$ 2111
Plymouth Rock Insurance$ 1908
Plymouth Rock Insurance$ 1908
Progressive$ 1718
Progressive$ 1718
State Farm$ 1859
State Farm$ 1859
Tennessee Farmers$ 1517
Tennessee Farmers$ 1517

Compare all 2016 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2459

List Price

$ 77300

Trims Available

640i - 640i Gran Coupe - 640i xDrive - 640i xDrive Gran Coupe - 650i - 650i Gran Coupe - 650i xDrive - 650i xDrive Gran Coupe - ALPINA B6 xDrive Gran Coupe

2015 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2042
Acuity$ 2042
Allied$ 2052
Allied$ 2052
Arbella$ 2054
Arbella$ 2054
Erie$ 1501
Erie$ 1501
GEICO$ 1980
GEICO$ 1980
Mercury$ 1928
Mercury$ 1928
Nationwide$ 1886
Nationwide$ 1886
Plymouth Rock Insurance$ 1838
Plymouth Rock Insurance$ 1838
Progressive$ 1619
Progressive$ 1619
State Farm$ 1626
State Farm$ 1626
Tennessee Farmers$ 2062
Tennessee Farmers$ 2062
USAA$ 1978
USAA$ 1978

Compare all 2015 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2283

List Price

$ 76100

Trims Available

640i - 640i Gran Coupe - 640i xDrive - 640i xDrive Gran Coupe - 650i - 650i Gran Coupe - 650i xDrive - 650i xDrive Gran Coupe - ALPINA B6 xDrive Gran Coupe

2014 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2005
Acuity$ 2005
Allied$ 2084
Allied$ 2084
Arbella$ 2014
Arbella$ 2014
Country$ 2057
Country$ 2057
Erie$ 1554
Erie$ 1554
Mercury$ 2104
Mercury$ 2104
Nationwide$ 2065
Nationwide$ 2065
Plymouth Rock Insurance$ 1873
Plymouth Rock Insurance$ 1873
Progressive$ 2048
Progressive$ 2048
State Farm$ 1893
State Farm$ 1893
Tennessee Farmers$ 2063
Tennessee Farmers$ 2063
USAA$ 2081
USAA$ 2081

Compare all 2014 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2550

List Price

$ 75400

Trims Available

640i - 640i Gran Coupe - 640i xDrive - 640i xDrive Gran Coupe - 650i - 650i Gran Coupe - 650i xDrive - 650i xDrive Gran Coupe

2013 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1918
Acuity$ 1918
Allied$ 1912
Allied$ 1912
Arbella$ 1879
Arbella$ 1879
Erie$ 1436
Erie$ 1436
Mercury$ 2007
Mercury$ 2007
Nationwide$ 1946
Nationwide$ 1946
Plymouth Rock Insurance$ 1670
Plymouth Rock Insurance$ 1670
Progressive$ 1903
Progressive$ 1903
State Farm$ 1756
State Farm$ 1756
Tennessee Farmers$ 2013
Tennessee Farmers$ 2013
USAA$ 1878
USAA$ 1878
Vermont Mutual$ 2082
Vermont Mutual$ 2082

Compare all 2013 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2439

List Price

$ 74400

Trims Available

640i - 640i Gran Coupe - 650i - 650i Gran Coupe - 650i xDrive - 650i xDrive Gran Coupe

2012 BMW 6 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1716
Acuity$ 1716
Allied$ 1814
Allied$ 1814
Arbella$ 1838
Arbella$ 1838
Erie$ 1378
Erie$ 1378
GEICO$ 1788
GEICO$ 1788
Nationwide$ 1796
Nationwide$ 1796
Plymouth Rock Insurance$ 1619
Plymouth Rock Insurance$ 1619
Progressive$ 1856
Progressive$ 1856
State Farm$ 1553
State Farm$ 1553
Tennessee Farmers$ 1888
Tennessee Farmers$ 1888
USAA$ 1572
USAA$ 1572
Vermont Mutual$ 1862
Vermont Mutual$ 1862

Compare all 2012 BMW 6 Series rates

Average Cost to Insure Per Year

$ 2208

List Price

$ 73600

Trims Available

640i - 650i - 650i xDrive