BMW IX Insurance Rates

Estimated insurance prices for a BMW iX are $1,858 every 12 months including full coverage. Comprehensive costs on average $442, collision insurance costs $842, and liability coverage is $416. Liability-only insurance costs around $474 a year, and high-risk driver insurance costs around $4,038. Teen drivers pay the most at up to $6,676 a year.

Average premium for full coverage: $1,858

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all iX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

These rate differences highlight why everyone should compare rates quotes based on a specific location and their own driving history, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down average BMW iX insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $1,037
• Raising to $1,000 deductibles will save around $290 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,858
• Choosing pricier low deductibles increases the price to $2,424
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $4,038
• An auto insurance policy to insure a teenage driver for full coverage may cost $6,676

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Insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your iX.

Choosing high deductibles can reduce prices by up to $860 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,700 every 12 months on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $6,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $2,200 to $3,000 additional annually, depending on your age. BMW iX insurance for high-risk drivers is expensive and can cost around 45% to 132% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on BMW iX insurance rates. A middle-age driver might find prices as low as $1,430 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,650 on average in Michigan, New York, and Louisiana.

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How to Shop for the Best BMW iX Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the material that was touched on above.

• Consumers who require more liability coverage will pay about $460 per year to raise from 30/60 bodily injury limits to a 250/500 level
• Teen drivers pay higher prices, with the cost nearing $556 per month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $2,180 more each year to insure their iX
• Increasing policy deductibles could save as much as $850 each year