BMW IX Insurance Rates
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Michelle Robbins
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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 insurance costs on average $426, collision costs $808, and liability costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing $3,954 or more. Teens cost the most to insure at $6,576 a year or more.
Average premium for full coverage: $1,822
Policy rates by type of insurance:
Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all iX models.
Price Range Variability
For the average driver, BMW iX insurance rates go from the low end price of $486 for a discount liability-only rate to the much higher price of $3,954 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.
The example below illustrates how location impacts car insurance rates.
The examples above demonstrate why everyone should compare prices based on a specific location, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details estimated BMW iX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,020
- Using higher $1,000 deductibles will save around $280 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,822
- Selecting pricier low deductibles for physical damage coverage will cost an additional $544 annually
- High-risk insureds with serious driving violations could pay upwards of $3,954 or more
- Policy cost that insures a 16-year-old driver for full coverage may cost $6,576 or more
Car insurance rates for a BMW iX also range considerably based on the model of your iX, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $2,200 to $2,900 extra every year, depending on your age. BMW iX insurance for high-risk drivers can be from 44% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $6,500 a year. View Rates by Age
Your home state has a huge impact on BMW iX insurance prices. A driver around age 40 might see rates as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,460 on average in Florida, Michigan, and New York.
| 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 could cut rates by as much as $830 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes will be varied.
| 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 BMW iX Insurance
Finding cheaper rates on insurance for a BMW iX requires having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates at every other renewal by requesting quotes from direct companies, and also from several local insurance agents.
The next list is a brief recap of the concepts that were touched on above.
- Drivers considered higher risk who tend to receive serious violations pay on average $2,130 more each year to buy BMW iX insurance
- Drivers age 20 and younger are expensive to insure, as much as $548 each month if full coverage is purchased
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $825 each year
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
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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