BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a BMW iX are $1,822 a year including full coverage. Comprehensive costs an estimated $426 a year, collision costs $808, and liability is estimated at $430. A policy with just liability insurance costs approximately $486 a year, with coverage for high-risk drivers costing around $3,954. 16-year-old drivers receive the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Rate estimates broken down by individual coverage type:

Comprehensive $426
Collision $808
Liability $430

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and iX trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $486 for just the minimum liability insurance to a high of $3,954 for a driver required to buy high-risk insurance.

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

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how your location can change insurance prices.

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

These examples highlight why it is important to get quotes for a targeted area and risk profile, instead of using rate 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.

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Additional Rate Analysis

The chart below breaks down estimated BMW iX insurance rates for other coverage scenarios.

  • The best full coverage rate is $1,020
  • Choosing higher $1,000 deductibles can save approximately $1,542 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,822
  • Buying low $100 deductibles for comp and collision coverage will increase the cost to $2,366
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,954 or more
  • The cost for full coverage for a teen driver can cost as much as $6,576 each year

View Chart as Image

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

Insurance rates for a BMW iX can also vary considerably based on your driver profile, the model of your iX, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $6,500 a year. View Rates by Age

Where you live plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 could pay as low as $1,400 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,600 on average in Louisiana, New York, and Michigan.

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

Opting for high physical damage deductibles can save as much as $830 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $2,200 to $2,900 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates can be significantly different from one company to the next.

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

Saving money on car insurance takes having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a summary of the data illustrated above.

  • Policyholders who want increased levels of liability coverage will pay around $470 per year to raise limits from a minimum limit to 250/500 limits
  • You may be able to save approximately $230 per year simply by quoting early and online
  • Increasing deductibles can save around $825 each year
  • Drivers age 20 and younger are expensive to insure, as much as $548 per month including comprehensive and collision insurance

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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