BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive costs an estimated $426, collision costs $808, and liability coverage is estimated at $430. Buying just liability costs approximately $486 a year, with insurance for high-risk drivers costing around $3,954. Teens cost the most to insure at $6,576 a year or more.
Average premium for full coverage: $1,822
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different iX trim levels.
Price Range Variability
Using a middle-aged driver as an example, BMW iX insurance rates go from as low as $486 for just liability insurance to a much higher rate of $3,954 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using averaged prices.
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.
More Rate Details
The chart below illustrates estimated BMW iX insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,020
- Choosing higher $1,000 deductibles can save approximately $280 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,822
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $2,366
- Drivers with serious driving violations could pay up to $3,954 or more
- Policy cost for full coverage for a teenage driver with full coverage can cost as much as $6,576 each year
Insurance rates for a BMW iX also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $6,500 a year. View Rates by Age
Your home state plays a big part in determining prices for BMW iX insurance rates. A good driver about age 40 could pay as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,460 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,646 | -$176 | -9.7% |
| Alaska | $1,396 | -$426 | -23.4% |
| Arizona | $1,512 | -$310 | -17.0% |
| Arkansas | $1,822 | -$0 | 0.0% |
| California | $2,076 | $254 | 13.9% |
| Colorado | $1,738 | -$84 | -4.6% |
| Connecticut | $1,874 | $52 | 2.9% |
| Delaware | $2,062 | $240 | 13.2% |
| Florida | $2,276 | $454 | 24.9% |
| Georgia | $1,682 | -$140 | -7.7% |
| Hawaii | $1,308 | -$514 | -28.2% |
| Idaho | $1,230 | -$592 | -32.5% |
| Illinois | $1,358 | -$464 | -25.5% |
| Indiana | $1,372 | -$450 | -24.7% |
| Iowa | $1,230 | -$592 | -32.5% |
| Kansas | $1,730 | -$92 | -5.0% |
| Kentucky | $2,486 | $664 | 36.4% |
| Louisiana | $2,696 | $874 | 48.0% |
| Maine | $1,122 | -$700 | -38.4% |
| Maryland | $1,502 | -$320 | -17.6% |
| Massachusetts | $1,458 | -$364 | -20.0% |
| Michigan | $3,164 | $1,342 | 73.7% |
| Minnesota | $1,524 | -$298 | -16.4% |
| Mississippi | $2,180 | $358 | 19.6% |
| Missouri | $1,616 | -$206 | -11.3% |
| Montana | $1,958 | $136 | 7.5% |
| Nebraska | $1,436 | -$386 | -21.2% |
| Nevada | $2,182 | $360 | 19.8% |
| New Hampshire | $1,314 | -$508 | -27.9% |
| New Jersey | $2,036 | $214 | 11.7% |
| New Mexico | $1,614 | -$208 | -11.4% |
| New York | $1,918 | $96 | 5.3% |
| North Carolina | $1,050 | -$772 | -42.4% |
| North Dakota | $1,490 | -$332 | -18.2% |
| Ohio | $1,258 | -$564 | -31.0% |
| Oklahoma | $1,870 | $48 | 2.6% |
| Oregon | $1,668 | -$154 | -8.5% |
| Pennsylvania | $1,738 | -$84 | -4.6% |
| Rhode Island | $2,428 | $606 | 33.3% |
| South Carolina | $1,650 | -$172 | -9.4% |
| South Dakota | $1,538 | -$284 | -15.6% |
| Tennessee | $1,594 | -$228 | -12.5% |
| Texas | $2,196 | $374 | 20.5% |
| Utah | $1,350 | -$472 | -25.9% |
| Vermont | $1,248 | -$574 | -31.5% |
| Virginia | $1,092 | -$730 | -40.1% |
| Washington | $1,408 | -$414 | -22.7% |
| West Virginia | $1,668 | -$154 | -8.5% |
| Wisconsin | $1,260 | -$562 | -30.8% |
| Wyoming | $1,622 | -$200 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $830 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $2,200 to $2,900 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 135% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $458 | $864 | $398 | $1,878 |
| 2023 BMW iX | $442 | $842 | $416 | $1,858 |
| 2022 BMW iX | $426 | $808 | $430 | $1,822 |
| 2021 BMW iX | $402 | $780 | $442 | $1,782 |
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 Find the Best Cheap BMW iX Insurance
Finding cheaper rates on auto insurance takes being safe and accident-free, maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a quick review of the primary concepts that were touched on in the above illustrations.
- It is possible to save approximately $230 per year simply by shopping early and online
- Drivers with a DUI or reckless driving violation pay on average $2,130 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $825 each year
- Youthful drivers are charged the highest rates, possibly costing $548 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,576 |
| 20 | $4,210 |
| 30 | $1,916 |
| 40 | $1,822 |
| 50 | $1,660 |
| 60 | $1,628 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,366 |
| $250 | $2,114 |
| $500 | $1,822 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,822 |
| 50/100 | $1,908 |
| 100/300 | $2,016 |
| 250/500 | $2,295 |
| 100 CSL | $1,951 |
| 300 CSL | $2,188 |
| 500 CSL | $2,360 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,448 |
| 20 | $6,706 |
| 30 | $4,062 |
| 40 | $3,954 |
| 50 | $3,772 |
| 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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $100 |
| Multi-vehicle | $95 |
| Homeowner | $25 |
| 5-yr Accident Free | $144 |
| 5-yr Claim Free | $120 |
| Paid in Full/EFT | $90 |
| Advance Quote | $95 |
| Online Quote | $133 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
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