BMW 6 series Car Insurance: How Much Should You Expect to Pay?

BMW 6 series drivers pay an average of $216 monthly for their insurance rates. Take a look at our latest guide to find out how much car insurance companies might charge you to insure your BMW 6 series.

Quick Facts

  • A BMW 6 series is more expensive to insure compared to the average car.
  • Full coverage auto insurance for a 6 series runs about $241 a month, on average, while liability only insurance typically averages around $88 per month.
  • At sometimes as cheap as $43 monthly for liability only coverage, Workmens is the most affordable insurance company for a 6 series.

6 series Overview

With 2019 models starting at $70,300, the BMW 6 series is a high-end vehicle that is more expensive than your average car. With four different trim levels currently available, there's something there for every driver.

Based on thousands of auto insurance quotes from Compare.com, we've determined that, on average, BMW 6 series car insurance prices run about $216 per month. But how does that compare to other cars on the market?

Current Base Price$70,300
Body Style(s)Car
Trim LevelsXI GRAN COUPE, I GRAN COUPE, ALPINA B6, XIGT
Average Insurance Premium$216/mo.
Cheapest Insurance CompanyWorkmens

How Much is Car Insurance for a BMW 6 series?

Vehicle Liability Only Full Coverage
BMW 6 series$88$241
All BMW Models$84$199
All Cars$83$177
Average Insurance Premium$81$169

In the table above, you'll find that BMW 6 series insurance premiums are above average compared to other vehicles. On average, 6 series owners will pay around $88 a month for liability insurance, and about $241 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other BMW models, the 6 series is more expensive, with prices around 21% higher than the rest of the company's vehicle offerings. Compared to offerings from other brands, auto insurance for a 6 series is similarly on the expensive side, with liability only insurance rates coming in about $5 more and $64 more for full coverage.

When compared to all vehicles, regardless of body style, make, or model, the 6 series follows a similar pattern of having above average insurance premiums.

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Who has the Cheapest Car Insurance for a BMW 6 series?

Insurance Company Average Monthly Premium
MetLife$28
Workmens$43
Clearcover$46
Apparent$48
Shelter Mutual$50

If you're looking for a car insurance policy for a BMW 6 series, you're likely interested in which carrier offers the cheapest prices. Even though prices can fluctuate pretty significantly depending on your driver profile, MetLife offers the lowest average rates for liability only coverage, with rates sometimes as low as $28 monthly. With car insurance as cheap as just $43 a month, Workmens is the next cheapest car insurance company.

Completing the top 5 carriers are Clearcover, Apparent, and Shelter Mutual. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies take a whole range of things into consideration when calculating how much to charge you. By getting quotes from a whole range of auto insurance carriers at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a BMW 6 series?

There are numerous pieces that insurance companies take into account to decide how much they charge -- and each carrier uses a different algorithm, so there's not a singular company that's the cheapest for every 6 series driver.

The following sections show several variables car insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$74
2-3 Years$70
4-5 Years$60
6-7 Years$101
8-10 Years$78
11-14 Years$98
15 Years or Older$85

BMW has been making the 6 series for quite some time -- and that means the car's age may make a big difference in how much you'll pay for auto insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.

Based on the information in the table above, the BMW 6 series is an outlier, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest 6 serieses are 4 to 5 years old.

Your Age

Age Average Monthly Premium

Age makes a difference in how much insurance companies will charge you for car insurance. Based on the information in the table above, young 6 series drivers pay more for insurance than drivers with more experience on the road. In this case, drivers who are 18 to 24 pay $49 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for 6 series drivers.

Your Gender

Gender Average Monthly Premium
Male$94
Female$76

Women tend to pay less for auto insurance than men. This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. The BMW 6 series follows this convention, and men pay around 24% more than women monthly for car insurance.

Where You Live

State Average Monthly Premium
California$51
Florida$128
Georgia$126
Illinois$22
New York$197
North Carolina$50
Ohio$64
Pennsylvania$65
Texas$60
Virginia$59

You might already know that factors like what vehicle you drive and how old you are play a role in your insurance premiums, but you may not realize that where you live is just as important. Because car insurance is regulated on the state level and not nationally, rates can change quite a bit from state to state.

For example, the average BMW 6 series owner in New York pays about $197 a month for liability coverage. Meanwhile, on average, the same driver from California will pay less than half of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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BMW 6 series Car Insurance Discounts

Whatever which car you drive, how old you are, or what state you call home, using as many discounts as possible when it comes to your auto insurance is always in your best interest when shopping around for a new policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

  • Multi-car discounts for having more than one vehicle on your auto policy
  • Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
  • Defensive driving discounts for taking a defensive driving class from an accredited school or institution
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings

There are countless ways to save money on your insurance if you know where to look. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you may not be able to control every factor auto insurance carriers reference to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the things you can use in your favor when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$104
Multiple Accidents$190
1 Ticket$83
Multiple Tickets$129

You've most likely seen ads from insurance companies posting hefty discounts for safe drivers. And you probably wouldn't be surprised that your auto insurance rates will get higher if you get tickets or get into an accident. But exactly how much can these infractions cost you?

Based on the table above, accidents will usually cost 6 series drivers more than tickets, but both will result in a raise in rates. BMW 6 series drivers with a single accident on their record pay an average of $104 a month (up $16 from the $88/mo. overall average), while drivers with one ticket will pay about $83 per month. Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$58
2,501-5,000 Miles$72
5,001-7,500 Miles$127
7,501-10,000 Miles$89
10,000+ Miles$83

The total amount of miles you drive each year plays a big role when it comes to your car insurance prices. Drivers who are on the roads less often are less likely to get into collisions, so they'll generally be offered less expensive premiums. In the above table, you can see that BMW 6 series owners who drive fewer than 2,500 miles per year pay about $58 monthly for insurance, while those who put 10,000 miles or more on their cars pay $83.

If you don't use your BMW 6 series to travel or commute regularly, it may be worth considering pay-per-mile or usage-based auto insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do BMW 6 serieses Compare to Other Vehicles?

If you're thinking about purchasing a new car and a BMW 6 series is on your shortlist, you might want to know how it compares to other cars. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Take a look at the table below to see how the BMW 6 series compares:

BMW 6 series National Average
Liability Insurance$57$81
Full Coverage Insurance$242$169
Base MSRP$70,300$46,074
Average Annual Mileage10,07011,617

Overall, the BMW 6 series is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. At $70,300, the 6 series price comes in above the national average MSRP of $46,074.

Liability insurance for a BMW 6 series is around $24 per month less than average, while full coverage is over $50 more a month.

When it comes to usage, BMW 6 series drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles every year compared to the 6 series's 10,070 each year.

BMW 6 series Car Insurance Costs by Model Year

We've gone over many of the variables that can have an impact on what you'll pay for car insurance. If you're in the market for a new car, truck, or SUV and the 6 series is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2019 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$57
Full Coverage Avg. Premium$242
Base MSRP$70,300
Cheapest Insurance CompanyMercury - $55/mo.
Available TrimsALPINA B6, I GRAN COUPE, XI GRAN COUPE, XIGT

It costs about $57 per month for liability or $242 for a full coverage policy for the 2019 BMW 6 series.

With prices as low as just $55 a month, Mercury offered the lowest policy we found for the 2019 BMW 6 series.

If you want to find the best premiums for insurance for a 2019 BMW 6 series, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$278
Base MSRP$70,200
Cheapest Insurance CompanyMetroMile - $41/mo.
Available TrimsALPINA B6, I, I GRAN COUPE, XI, XI GRAN COUPE, XIGT

On average, drivers who own a 2018 6 series can expect to pay $56 to $278 monthly for liability only and full coverage car insurance, respectively.

With rates as little as just $41 per month, MetroMile offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2018 BMW 6 series, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2017 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$271
Base MSRP$77,600
Cheapest Insurance CompanyDirectGeneral - $29/mo.
Available TrimsALPINA B6, I, I GRAN COUPE, XI, XI GRAN COUPE

You can expect full coverage for a 2017 BMW 6 series to run around $271 a month, while liability only coverage will average about $78 monthly.

We found DirectGeneral offered the most affordable policy, with rates sometimes as little as $29 per month.

Want to know just how much you'll pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2016 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$222
Base MSRP$77,300
Cheapest Insurance CompanyLiberty Mutual - $32/mo.
Available TrimsALPINA B6, I, I GRAN COUPE, XI, XI GRAN COUPE

2016 6 series drivers can expect to pay an average of $53 monthly for liability or $222 for full coverage.

Liberty Mutual offered the lowest policy we found, with rates as cheap as $32 a month.

While these are good estimates of what the average driver might pay to insure a 2016 BMW 6 series, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$146
Full Coverage Avg. Premium$257
Base MSRP$76,100
Cheapest Insurance CompanyMercury - $28/mo.
Available TrimsALPINA B6, I, I GRAN COUPE, XI, XI GRAN COUPE

The average cost to insure a 2015 BMW 6 series with liability only coverage is $146 per month, while full coverage runs around $257 monthly.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as $28 per month.

If you want to find the best prices for auto insurance for a 2015 BMW 6 series, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

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2014 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$243
Base MSRP$75,400
Cheapest Insurance CompanyMercury - $32/mo.
Available TrimsI, I GRAN COUPE, XI, XI GRAN COUPE

2014 6 series drivers can expect to pay an average of $56 a month for liability or $243 for full coverage.

If you're looking for the most affordable 2014 BMW 6 series insurance policy, Mercury offered the lowest policy we found, with rates as low as $32 monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

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2013 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$102
Full Coverage Avg. Premium$250
Base MSRP$74,900
Cheapest Insurance CompanyMercury - $27/mo.
Available TrimsI, XI

The average cost to insure a 2013 BMW 6 series with liability only coverage is $102 a month, while full coverage runs about $250 per month.

Mercury has rates sometimes as cheap as $27 a month for the 2013 BMW 6 series.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2012 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$192
Base MSRP$73,600
Cheapest Insurance CompanySafeAuto - $33/mo.
Available TrimsI, XI

On average, drivers who own a 2012 6 series can expect to pay $72 to $192 monthly for liability only and full coverage insurance, respectively.

SafeAuto offered the cheapest policy we found, with rates as low as $33 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$195
Base MSRP$78,450
Cheapest Insurance CompanyHallmark - $26/mo.
Available TrimsI

You can expect full coverage for a 2010 BMW 6 series to run around $195 a month, while liability only coverage will average about $79 monthly.

Hallmark has premiums as low as just $26 per month for the 2010 BMW 6 series.

Interested in what your car insurance price will be? Enter your ZIP code below to get several free personalized quotes.

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2009 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$56
Full Coverage Avg. Premium$174
Base MSRP$78,200
Cheapest Insurance CompanyAspire - $27/mo.
Available TrimsI

It costs around $56 a month for liability or $174 for a full coverage policy for the 2009 6 series.

With prices as cheap as just $27 monthly, Aspire offered the most affordable policy we found.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2008 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$117
Full Coverage Avg. Premium$291
Base MSRP$76,600
Cheapest Insurance CompanyMetLife - $22/mo.
Available TrimsI

You can expect full coverage for a 2008 BMW 6 series to run about $291 per month, while liability only coverage will average around $117 monthly.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as low as $22 a month.

These average premiums are a great starting point if you're in the market for a 2008 BMW 6 series, but there are a range of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2007 BMW 6 series Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$181
Base MSRP$74,700
Cheapest Insurance CompanyMetroMile - $23/mo.
Available TrimsI

2007 6 series drivers can expect to pay an average of $77 per month for liability or $181 for full coverage.

If you're looking for the lowest possible 2007 BMW 6 series insurance policy, MetroMile offered the cheapest policy we found, with rates as little as just $23 monthly.

Interested in what your insurance rate could look like? Just enter your ZIP code below to get lots of free customized quotes.

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BMW 6 series Insurance FAQs

Is a BMW 6 series expensive to insure?

The BMW 6 series is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $88 per month, while full coverage will cost you around $241.

How can I get the best price on car insurance for my BMW 6 series?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my BMW 6 series affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car, but that's just a myth. Although there are many things auto insurance companies look at when they decide how much to charge for car insurance, the color of your car isn't one of them.

Do I need to have insurance before I buy a BMW 6 series?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) 6 series off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance carrier know before you buy.

What car insurance discounts can I get for my BMW 6 series?

There are a wide array of discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the BMW 6 series you drive, but if your 6 series has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to reach out to your insurance company and ask about their list of discounts.

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