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BMW 6 Series insurance cost

Average cost of BMW 6 series? $243. But you can go even cheaper — see Progressive’s rates.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2019 BMW 6 Series is $242.78 — or, $2,913.36 annually. However, your actual costs depend on your driving history, vehicle model, ZIP and other factors. And some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2012 BMW 6$139.58$168.38$227.30$214.27$187.38
2016 BMW 6$160.92$211.18$294.77$215.45$220.58
2019 BMW 6$189.59$217.87$322.53$241.12$242.78

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, job type, annual mileage and more.

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How to compare insurance for the BMW 6 Series

Unless you live in New Hampshire or Virginia, chances are your state requires you to have auto insurance. When shopping for coverage you’ll see many providers use similar language but different policy details, making it difficult to compare your options.

However, the process is a whole lot easier if you know what you’re looking for. Here are a few characteristics to keep in mind as you shop around.

  • Price. Use the same driver and vehicle information when getting quotes from different providers. This will help you compare prices for similar coverage.
  • Deductible. Policies with higher deductibles often have lower premiums, while those with lower deductibles have the opposite effect. Choose an amount that fits your budget and financial situation.
  • Minimum coverage. There’s a good chance that coverage is mandatory in your state. Before purchasing a policy, ensure that your state’s minimums are met.
  • Additional coverage. Personal injury protection and medical payments are two of many additional coverage options you may come across. If you need additional coverage, be sure to include it when getting quotes.
  • Extras. Features and extras vary between policies and providers. Find out what’s included and what you’ll need to pay extra for.
  • Restrictions. Some providers have restrictions that may limit your coverage. Find out if any apply to your policy in order to avoid denied claims or gaps in coverage.
  • Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for BMW 6 Series?

As you know, there are a number of factors that can affect the cost of car insurance. While driver and location-specific factors are definitely taken into consideration, the vehicle you drive plays a major role when calculating your premiums. This is because every vehicle is different with respect to theft rates, safety features, performance and other variables.

Here’s how the BMW 6 Series’ characteristics might affect the cost of insurance.

  • Body type. The 6 Series two-door coupe is designed for performance and equipped with a 445 horsepower engine. While this could lead to higher premiums, the four-door models could be cheaper to insure.
  • Type of car. The BMW 6 Series is a luxury performance vehicle. These types of cars are expensive to produce and repair, which could contribute to higher premiums.
  • Theft. Coupes are stolen far less frequently than sedans and pickup trucks. Therefore, the two-door models could be cheaper to insure compared to either of the four-door options.
  • Repairs. While BMWs are generally considered reliable, parts and service can be expensive. This may increase the cost of coverage.
  • Safety ratings. The 6 Series doesn’t have official safety ratings from the IIHS or NHTSA at the moment. However, BMWs have a great reputation for safe vehicles, which could help reduce the cost of insurance.

Compare the BMW 6’s insurance factors to similar cars

You won’t pay the highest insurance rate for the BMW 6 compared to other luxury sedans or convertibles. But you also can’t buy the 6 Series in the US for the current model year. In general, newer models cost more for insurance than older model years.

Models similar to BMW 6 SeriesMonthly insurance costCar value
BMW 6 Series$242.78$87,695 for 2018 model
BMW 8 Series$270.47$88,995
Chevrolet Corvette$262.78$60,995
Lexus RC$43,245
Mercedes-AMG GT$424.16$117,000

We used Car and Driver’s car model reviews to find 2021 car values. We found the BMW 6’s 2019 value since this is the last model year offered in the US.

Does the BMW 6 Series qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that likely apply to the BMW 6 Series:

  • New car discount
  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How do trim packages and extra build options affect insurance cost?

Your cost of insurance largely depends on your chances of filing claims and the provider’s cost of paying them out. While your location and driving history can influence this risk, your choice of vehicle has a much larger effect.

Similar to how features and performance can vary between makes and models, your build options can also influence your risk profile, and therefore, your rates. Based on the standard BMW 650i xDrive Coupe, here’s how trim packages might affect the cost of insurance.


  • Gran Coupe. The four-door gran coupe has more seats and less power, making it a great choice for families. This, in combination with its lower price tag, might make it cheaper to insure.
  • Cabriolet. Compared to the other 6 Series models, the cabriolet is less safe in the event of a rollover crash. This, and its higher price tag may make it more expensive to insure.
  • Gran Turismo. The four-door sportback design is best suited for families and other low-risk driving activities. This could make for cheaper auto insurance.


  • Executive Package. This package includes a number of features that could improve visibility and reduce the risk of accidents. Adding it may reduce the cost of insurance.
  • M Sport Edition. Among many other features, this package adds driver assistance features that could help prevent collisions. Choosing this option may help you save on insurance.
  • Technology Package. This package adds blind spot detection, Driving Assistance Plus, and more. The improved visibility could lead to more affordable auto insurance..

How safe is the BMW 6 Series?

At this time, the BMW 6 Series doesn’t have any official safety ratings from the IIHS or NHTSA. However, BMWs have a reputation for great safety features and strong crash test ratings, which may help you save on auto insurance.

BMW 6 Series money-saving safety features

You could save money on car insurance for your BMW 6 Series if it comes equipped with these safety features.

  • Airbags
  • Antilock brakes
  • Antitheft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

    How reliable is the BMW 6 Series?

    According to U.S. News and J.D Power, the 2018 BMW 6 Series holds a 3.5/5 star rating for reliability. While this isn’t outstanding, it’s better than most vehicles in its class.

    The BMW 6 Series has been affected by multiple recalls since its release.

    • 2017. A limited number of 2017 6 Series vehicles were recalled due to a defective side airbag inflator that may not activate in the event of a crash.
    • 2016. Some 2016 6 Series vehicles were recalled due to faulty wiring on the fuel pump that could lead to fuel leaks or fuel pump failure.
    • 2011. A limited amount of 2011 6 Series convertibles were recalled due to issues with the water pump circuit board that could prevent proper cooling and lead to a fire.

    Despite being in production since the late 1970s, the 6 Series lineup has very few common problems. Some owners report issues with stalling, premature tire wear and malfunctioning headlights, but these don’t seem to be very prominent issues.

    BMW 6 Series maintenance

    In line with BMWs other luxury vehicles, the 6 Series is designed to provide a comfortable and reliable driving experience. While it requires little maintenance to keep it on the road, routine service appointments can ensure it runs smoothly.

    Besides, BMW parts and services can be pricey, and keeping a regular maintenance schedule can help prevent sudden, expensive repair bills. Here’s what to expect for oil changes, mileage, service intervals, and more.

    • BMW suggests an oil change every 10,000 miles or 12 months. Depending on how you drive your vehicle, you may want to consider having it changed more often.
    • Oil changes should cost between $100 to $200, but your cost may vary.
    • The 2017 650i xDrive Coupe gets an average of 19 miles per gallon, with 16 in the city and 24 on the highway.
    • The 2018 BMW 650i xDrive Gran Coupe gets an average of 18 miles per gallon, with 15 in the city and 24 on the highway.
    • The 2018 BMW 6 Series comes with a standard four-year/50,000-mile warranty.
    • Newer BMW models come equipped with a Condition Based Servicing system and a Service Interval Indicator. Both of these systems will monitor your vehicle and let you know when parts need replacing and when the vehicle should be brought in for service. However, here is BMWs standard maintenance schedule:
    PartsReplacement period
    Engine oilEvery 10,000 miles or 12 months
    Fuel filtersEvery 20,000 to 40,000 miles
    Oil filterEvery 10,000 miles or 12 months
    Air filterEvery 60,000 miles
    CoolantEvery 10,000 miles
    Spark plugsReplace them every 60,000 miles
    Brake fluidFirst 30,000 miles then every 60,000 miles after that

    Is an extended warranty worth it for the BMW 6 Series?

    The 6 Series comes with BMW’s four-year/50,000-mile BMW warranty, which covers problems stemming from defective parts and improper service. It also includes free roadside assistance and a separate corrosion warranty.

    While the standard warranty is great, parts and service on the 6 Series can be expensive. Adding the extended warranty can provide peace of mind after the initial coverage expires. It’s available in multiple terms and includes service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.

    Additionally, eligible 6 Series vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.

    About the BMW 6 Series

    The BMW 6 Series model was introduced in 1976, but the production of the first generation stopped in 1989. The 6 Series model was reintroduced in 2003 and had four generations — however, it was discontinued in the 2019 model year. Its end is largely attributed to the reintroduction of Series 8, and the declining demand for two-door coupes.

    The Series 6 is a large luxury car, in the grand tourer class, and is known for its powerful engine and upscale interior design. It had a few models over the years: 645Ci coupe, convertible, and Gran Coupe. All models sported a turbocharged 315-hp inline six-cylinder engine, or a 445-hp V8 on the 650i variants.

    Bottom line

    The 6 Series is a luxury performance two-door coupe that’s also available as a convertible, four-door sedan and four-door sportback. Like most other BMWs, the 6 Series is packed with a suite of great safety and driver assistance features that may help reduce the cost of auto insurance. With that being said, the price you’ll pay depends on a number of factors, so you should compare your options to find a policy and provider that are right for you.


    Written by

    Peter Carleton

    Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full profile

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