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2013 BMW M6 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 10, 2020

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Average insurance rates for a 2013 BMW M6 are $1,814 a year for full coverage. Comprehensive costs around $378 each year, collision insurance costs $736, and liability insurance costs $520. Buying a liability-only policy costs as little as $576 a year, and high-risk insurance costs around $3,948. Teen drivers receive the highest rates at up to $6,746 a year.

Annual premium for full coverage: $1,814

Rate estimates for 2013 BMW M6 Insurance

Comprehensive $378
Collision $736
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2013 BMW M6 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $576 for just liability insurance to a high rate of $3,948 for high-risk insurance.

Liability Only $576
Full Coverage $1,814
High Risk $3,948

View Chart as Image

2013 BMW M6 insurance rates compared
Column chart showing 2013 BMW M6 insurance prices range from $1026 to $6,746 for full coverage

These differences show why all drivers should compare rates for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2013 BMW M6 Insurance

Searching Companies

Having to pay for overpriced BMW M6 insurance can empty your savings account and put a big crunch on your finances. Comparing price quotes is a smart way to slash your bill and have more diposable income. There are many car insurance companies to choose from, and although it’s nice to have a choice, so many choices can make it hard to locate the cheapest rates.

How to Get Cheap Insurance Coverage

There are a variety of methods you can shop for 2013 BMW M6 insurance coverage and some are less labor-intensive and much quicker. You could waste time driving to insurance agencies in your area, or you could save time and use the web to maximize your effort.

Many popular insurance companies enroll in a system that allows shoppers to submit one quote, and each participating company then returns a price quote for coverage. This saves time by eliminating quotation requests to each individual insurance coverage company.

To compare pricing click to open in new window.

The only downside to getting quotes like this is you cannot specify which insurance companies to get pricing from. So if you prefer to pick specific insurance companies to compare, we have a page of companies who write insurance coverage in your area. Click to view list.

Whichever way you use, make darn sure you compare identical coverage information with every price quote. If you compare mixed coverages it will be impossible to determine the best price for your BMW M6.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Most are applied at the time you complete a quote, but lesser-known reductions have to be asked for before they will apply. If you don’t get every credit you qualify for, you are throwing money away.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on your policy for M6 coverage.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Safe Drivers – Safe drivers can pay as much as 50% less for M6 coverage than less cautious drivers.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • E-sign – Certain companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts, click here to view.

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There’s no such thing as the perfect policy

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I pay less for low miles?
  • Am I covered if I drive in a foreign country?
  • Is my custom paint covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I drop comprehensive coverage on older vehicles?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I afford low physical damage deductibles?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Car insurance coverages for a 2013 BMW M6

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as funeral expenses, repair costs for stationary objects, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, rolling your car, crashing into a ditch, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, theft and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your BMW M6.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Take this to the bank

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at a price you can afford.

Cheaper 2013 BMW M6 insurance can be purchased from both online companies as well as from independent agents, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

For more information, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 BMW M6 Insurance Rates by City
City Premium
New York City, NY $2,865
Los Angeles, CA $3,099
Philadelphia, PA $2,422
Jacksonville, FL $2,633
Phoenix, AZ $2,108
Chicago, IL $2,430
Houston, TX $2,839
Seattle, WA $1,764
Columbus, OH $1,515
Indianapolis, IN $1,546

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 BMW M6 Insurance Rates by Driver Age
Driver Age Premium
16 $6,746
20 $4,206
30 $1,894
40 $1,814
50 $1,656
60 $1,626

Full coverage, $500 deductibles

Rates by Deductible

2013 BMW M6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,306
$250 $2,078
$500 $1,814
$1,000 $1,562

Full coverage, driver age 40

Rates by Liability Limit

BMW M6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,814
50/100 $1,918
100/300 $2,048
250/500 $2,386
100 CSL $1,970
300 CSL $2,256
500 CSL $2,464

Full coverage, driver age 40

Rates for High Risk Drivers

2013 BMW M6 Insurance Rates for High Risk Drivers
Age Premium
16 $9,662
20 $6,708
30 $4,040
40 $3,948
50 $3,770
60 $3,738

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $260

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $98
Multi-vehicle $97
Homeowner $27
5-yr Accident Free $138
5-yr Claim Free $119
Paid in Full/EFT $86
Advance Quote $92
Online Quote $131
Total Discounts $788
Rate after discounts $1,026

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2013 BMW M6 Insurance Rates by State
State Premium
Alabama $1,638
Alaska $1,390
Arizona $1,506
Arkansas $1,814
California $2,066
Colorado $1,730
Connecticut $1,864
Delaware $2,052
Florida $2,270
Georgia $1,676
Hawaii $1,302
Idaho $1,228
Illinois $1,350
Indiana $1,368
Iowa $1,224
Kansas $1,722
Kentucky $2,472
Louisiana $2,684
Maine $1,120
Maryland $1,494
Massachusetts $1,448
Michigan $3,148
Minnesota $1,520
Mississippi $2,172
Missouri $1,608
Montana $1,948
Nebraska $1,430
Nevada $2,176
New Hampshire $1,306
New Jersey $2,028
New Mexico $1,606
New York $1,910
North Carolina $1,046
North Dakota $1,486
Ohio $1,252
Oklahoma $1,860
Oregon $1,662
Pennsylvania $1,730
Rhode Island $2,420
South Carolina $1,642
South Dakota $1,530
Tennessee $1,586
Texas $2,184
Utah $1,340
Vermont $1,240
Virginia $1,086
Washington $1,400
West Virginia $1,662
Wisconsin $1,256
Wyoming $1,614

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