BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW iX are $1,822 annually including full coverage. Comprehensive insurance costs approximately $426 each year, collision costs $808, and liability coverage is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing $3,954 or more. Teen drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and iX models.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices go from as cheap as $486 for just liability insurance to a high rate of $3,954 for high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than using 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.
More Rate Details
The chart below breaks down estimated BMW iX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,020
- Choosing higher $1,000 deductibles can save $280 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,822
- Choosing low deductibles for comp and collision coverage costs an additional $544 each year
- Drivers with multiple violations and an at-fault accident could pay around $3,954 or more
- The price with full coverage for a teenage driver can cost $6,576 each year
Auto insurance prices for a BMW iX are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $2,200 to $2,900 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $830 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for BMW iX insurance rates. A good driver about age 40 could pay as low as $1,400 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,600 on average in Louisiana, 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices may be quite different between companies.
| 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 Buy the Right BMW iX Insurance
Getting lower rates on auto insurance takes being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a quick rundown of the material that was raised in the charts and tables above.
- Consumers who purchase more liability coverage will pay about $470 per year to raise limits from a low limit to higher 250/500 limits
- Teen drivers have the highest car insurance prices, possibly costing $548 a month if full coverage is included
- Drivers with reckless driving or DUI convictions may have to pay on average $2,130 more per year to insure their iX
- Increasing physical damage deductibles could save up to $825 each year
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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