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 with full coverage. Comprehensive costs an estimated $426, collision insurance costs $808, and liability insurance is estimated at $430. Liability-only insurance costs approximately $486 a year, and high-risk driver insurance costs around $3,954. Teenage drivers cost the most to insure at up to $6,576 a year.

Average premium for full coverage: $1,822

Policy rates broken down by type of insurance:

Comprehensive $426
Collision $808
Liability $430

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all iX models.

Price Range Variability

For an average driver, BMW iX insurance rates range from as low as $486 for just the minimum liability insurance to the much higher price of $3,954 for a driver who has had serious violations or accidents.

Liability Only $486
Full Coverage $1,822
High Risk $3,954

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,367
Small Cities $1,913
Large Cities $2,460

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

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Additional Rate Analysis

The chart below details average BMW iX insurance rates for other coverage scenarios.

  • The best discount rate is $1,020
  • Choosing higher $1,000 deductibles can save approximately $280 annually
  • The average rate for a good driver age 40 who has $500 deductibles is $1,822
  • Using pricier low deductibles for comp and collision coverage will increase the cost to $2,366
  • High-risk insureds who are prone to accidents and violations could pay up to $3,954
  • Policy cost for full coverage for a teen driver for full coverage can cost as much as $6,576 each year

View Chart as Image

BMW iX insurance cost comparison chart
Column chart showing BMW iX insurance rates range from $1,020 to $6,576 for full coverage

Auto insurance rates for a BMW iX also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have 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 $1,310 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,460 on average in New York, Michigan, and Florida.

BMW iX Insurance Rates by State
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%

View Chart as Image

BMW iX insurance rates by U.S. city

Using high physical damage deductibles can save as much as $830 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $2,200 to $2,900 in extra premium every year, depending on your age. BMW iX insurance for high-risk drivers ranges anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

BMW iX Insurance Rates by Model Year
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 More Affordable BMW iX Insurance

Finding cheaper rates on BMW iX insurance takes being a good driver, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the ideas that were covered in the above illustrations.

  • Drivers age 16 to 20 are the costliest to insure, as much as $548 each month if they have full coverage
  • High-risk drivers who have multiple accidents or major violations may pay on average $2,130 more annually than a safer driver
  • Increasing comprehensive and collision deductibles can save around $825 each year
  • You may be able to save approximately $230 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

BMW iX Insurance 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

BMW iX Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,366
$250 $2,114
$500 $1,822
$1,000 $1,542

Full coverage, driver age 40

Rates by Liability Limit

BMW iX Insurance Rates with Different Liability Limits
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

BMW iX Insurance 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.

SR-22 Surcharge $260

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
Rate after discounts $1,020

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

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