The BMW 640i Gran Coupe has left the new-car list, but plenty remain on Singapore roads. If you own one or are weighing one up, this guide sets out what it costs to keep each year.
Insurance figures are examples for one stated driver, as of 1 November 2026. Your own quote depends on your details and the car you buy.
The version on the price page
The new-car list has no entry for the 640i Gran Coupe on sale now. So there is no list price, power figure or body type to give.
The price page prices the BMW 640i Gran Coupe with a 2,979cc engine. That is the only version on the quote form.
COE
The price page says it needs a Category B COE, because the engine is above 1,600cc. Category B closed at S$131,901 in the October 2026 2nd round.
Any 640i Gran Coupe you buy now carries its existing COE. When that runs out, the owner either renews or deregisters. Check the expiry date first. The COE page has the latest rounds.
Road tax
For a 2,979cc engine, LTA's formula gives S$2,360.46 a year, before any age surcharge.
Cars past 10 years old pay more:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
With a car of this age, one of those bands may already apply, or be close. The road tax page works out other sizes.
Car insurance with ten insurers to compare
The BMW 640i Gran Coupe price page prices this profile:
- The car: registered 3 years ago, private use, comprehensive cover
- The driver: aged 40, married, office job, 10 years' driving
- The record: 50% no-claim discount (NCD), no claims
- Repairs: at an authorised workshop, no options
On those details, 10 insurers price it, across 14 plans. The lowest premium is S$1,312.28 a year. The dearest insurer starts at S$4,524.22. That is S$3,211.94 more, or 245% on top. All prices include 9% GST.
The page lists 9 insurers with no online price. So 10 of 19 quote it, a good field for an older model.
The lowest price has the biggest excess but one
The lowest premium carries an excess of S$3,000. The next, at S$1,402.74, carries S$500. Two plans after that, at S$1,472.60, carry S$600.
That is a clear trade-off. The lowest premium saves you less than a hundred dollars a year against the next. But its excess is S$2,500 higher, which you would pay towards a claim. If you rarely claim, the saving adds up over the years. If you claim once, it is wiped out several times over. Only the dearest insurer's plan, at S$2,500, comes close to that excess.
Across the page, excesses run from S$0 to S$3,000. Three plans near the top carry S$300.
How the premium shifts
The page shows the lowest price when one detail changes:
- No NCD (0%): S$2,624.57, which is S$1,312.29 more
- 20% NCD: S$2,099.66, S$787.38 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,924.68, S$612.40 more
- Driver aged 65, 20 years' driving: S$1,312.28, the same, with 9 insurers
- A new car, registered this year: S$1,312.28, the same, with 9 insurers
- A car 8 years old: S$1,297.86, S$14.42 less
Here the NCD is the biggest factor. Without it, the lowest price doubles, a rise of 100%. That is more than the young driver pays.
An older driver and the car's age barely matter. That is unusual, as many cars show a clear rise for a driver of 65 or a new car. An older driver pays the same lowest price. An 8-year-old car costs just S$14.42 less to insure.
Next to similar cars
The price page compares six cars with engines near three litres, for the same driver and car age:
- Alfa Romeo 166: S$2,897.48
- Audi Roadjet Concept: S$1,524.39
- Audi Q8: S$1,323.18
- Audi S4 Saloon: S$1,209.34
- Audi A8: S$1,092.69
- Audi Q7: S$1,002.60
Their average lowest price is S$1,508.28. The 640i Gran Coupe costs 13% less than that. Three of the six are cheaper to insure, and three cost more. Other BMW models are on the BMW car insurance page.
Costs that vary by owner
- Parking: season parking at your block or condo, and at work.
- Petrol: set by distance and pump prices.
- ERP: depends on your routes and timing.
- Servicing and wear: ask for records and what has been replaced, such as the battery, tyres and brakes.
- Depreciation: turns on the price you pay and how many years of COE are left.
Summary of yearly costs we can show
For the BMW 640i Gran Coupe, 2,979cc:
- Road tax: S$2,360.46 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,312.28 a year (as of 1 November 2026)
- Insurance, no NCD: from S$2,624.57
- Insurance, driver aged 27: from S$1,924.68
- Insurance, a car 8 years old: from S$1,297.86
For reference, a Category B COE closed at S$131,901 in the October 2026 2nd round. No list price is shown, as the new-car list has no entry for this model.
Before you buy: car insurance for the BMW 640i Gran Coupe
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW 640i Gran Coupe to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.