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 insurance prices for a BMW iX are $1,822 every 12 months with full coverage. Comprehensive insurance costs an estimated $426 a 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. Teenage drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and iX trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices go from the cheapest price of $486 for basic liability insurance to a high of $3,954 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than using average rates.
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 other coverage scenarios.
- The best discount rate is $1,020
- Choosing higher $1,000 deductibles can save approximately $1,542 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,822
- Using low $100 deductibles for comp and collision coverage costs an extra $544 each year
- Drivers who are prone to accidents and violations could pay up to $3,954 or more
- The price to insure a teenage driver can cost as much as $6,576 each year
Auto insurance prices for a BMW iX are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Using high physical damage deductibles can save as much as $830 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,700 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $6,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $2,200 to $2,900 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than a normal policy. View High Risk Driver Rates
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 $1,310 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.
| 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 find out which car insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.
| 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 Shop for More Affordable BMW iX Insurance
Getting lower rates on auto insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the ideas that were raised in the charts and tables above.
- Drivers age 16 to 20 are the costliest to insure, costing up to $548 a month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may pay on average $2,130 more annually than a safer driver
- Increasing physical damage deductibles could save as much as $825 each year
- You may be able to save approximately $230 per year simply by quoting early and online
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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