BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW iX are $1,858 annually with full coverage. Comprehensive insurance costs around $442, collision costs $842, and liability insurance is estimated at $416. A policy with just liability insurance costs approximately $474 a year, with coverage for high-risk drivers costing $4,038 or more. Teen drivers receive the highest rates at $6,676 a year or more.
Average premium for full coverage: $1,858
Rate estimates for individual coverage type:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all iX models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $474 for basic liability insurance to the much higher price of $4,038 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,037
- Choosing higher $1,000 deductibles can save about $290 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,858
- Choosing pricier low deductibles for comp and collision coverage costs an additional $566 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $4,038 or more
- The cost with full coverage for a teen driver for full coverage can be $6,676 each year
Insurance rates for a BMW iX can also vary considerably based on the trim level of your iX, your driving record, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $6,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $2,200 to $3,000 additional per year, depending on your age. BMW iX insurance for high-risk drivers ranges anywhere from 45% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $860 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for BMW iX insurance rates. A good driver about age 40 could pay as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,510 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,680 | -$178 | -9.6% |
| Alaska | $1,426 | -$432 | -23.3% |
| Arizona | $1,544 | -$314 | -16.9% |
| Arkansas | $1,858 | -$0 | 0.0% |
| California | $2,118 | $260 | 14.0% |
| Colorado | $1,776 | -$82 | -4.4% |
| Connecticut | $1,912 | $54 | 2.9% |
| Delaware | $2,102 | $244 | 13.1% |
| Florida | $2,324 | $466 | 25.1% |
| Georgia | $1,716 | -$142 | -7.6% |
| Hawaii | $1,334 | -$524 | -28.2% |
| Idaho | $1,258 | -$600 | -32.3% |
| Illinois | $1,386 | -$472 | -25.4% |
| Indiana | $1,400 | -$458 | -24.7% |
| Iowa | $1,254 | -$604 | -32.5% |
| Kansas | $1,768 | -$90 | -4.8% |
| Kentucky | $2,536 | $678 | 36.5% |
| Louisiana | $2,752 | $894 | 48.1% |
| Maine | $1,146 | -$712 | -38.3% |
| Maryland | $1,534 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$372 | -20.0% |
| Michigan | $3,228 | $1,370 | 73.7% |
| Minnesota | $1,556 | -$302 | -16.3% |
| Mississippi | $2,226 | $368 | 19.8% |
| Missouri | $1,650 | -$208 | -11.2% |
| Montana | $1,998 | $140 | 7.5% |
| Nebraska | $1,466 | -$392 | -21.1% |
| Nevada | $2,228 | $370 | 19.9% |
| New Hampshire | $1,340 | -$518 | -27.9% |
| New Jersey | $2,078 | $220 | 11.8% |
| New Mexico | $1,646 | -$212 | -11.4% |
| New York | $1,956 | $98 | 5.3% |
| North Carolina | $1,070 | -$788 | -42.4% |
| North Dakota | $1,522 | -$336 | -18.1% |
| Ohio | $1,284 | -$574 | -30.9% |
| Oklahoma | $1,908 | $50 | 2.7% |
| Oregon | $1,702 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$84 | -4.5% |
| Rhode Island | $2,478 | $620 | 33.4% |
| South Carolina | $1,682 | -$176 | -9.5% |
| South Dakota | $1,568 | -$290 | -15.6% |
| Tennessee | $1,628 | -$230 | -12.4% |
| Texas | $2,240 | $382 | 20.6% |
| Utah | $1,376 | -$482 | -25.9% |
| Vermont | $1,272 | -$586 | -31.5% |
| Virginia | $1,114 | -$744 | -40.0% |
| Washington | $1,436 | -$422 | -22.7% |
| West Virginia | $1,702 | -$156 | -8.4% |
| Wisconsin | $1,286 | -$572 | -30.8% |
| Wyoming | $1,656 | -$202 | -10.9% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $476 | $870 | $390 | $1,894 |
| 2023 BMW iX | $458 | $864 | $398 | $1,878 |
| 2022 BMW iX | $442 | $842 | $416 | $1,858 |
| 2021 BMW iX | $426 | $808 | $430 | $1,822 |
Rates are averaged for all BMW iX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap BMW iX Insurance
Saving money on BMW iX insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a quick review of the information covered in the charts and tables above.
- You may be able to save up to $230 per year simply by quoting online well ahead of the renewal date
- Teen drivers are charged the highest rates, with premiums as much as $556 per month if they have full coverage
- Increasing deductibles could save up to $850 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,180 more every year to insure their iX
- Drivers who may need more liability coverage will pay about $460 every year to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,298 |
| 30 | $1,960 |
| 40 | $1,858 |
| 50 | $1,692 |
| 60 | $1,662 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,424 |
| $250 | $2,162 |
| $500 | $1,858 |
| $1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,858 |
| 50/100 | $1,941 |
| 100/300 | $2,045 |
| 250/500 | $2,316 |
| 100 CSL | $1,983 |
| 300 CSL | $2,212 |
| 500 CSL | $2,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,596 |
| 20 | $6,844 |
| 30 | $4,150 |
| 40 | $4,038 |
| 50 | $3,848 |
| 60 | $3,814 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $102 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $123 |
| Paid in Full/EFT | $93 |
| Advance Quote | $97 |
| Online Quote | $136 |
| Total Discounts | $821 |
Discounts are estimated and may not be available from every company or in every state.
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