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 rates for a BMW iX are $1,822 a year including full coverage. Comprehensive costs around $426, collision costs $808, and liability is estimated at $430. Buying just liability costs approximately $486 a year, with insurance for high-risk drivers costing around $3,954. 16-year-old drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different iX trim levels.
Price Range from Low to High
For an average driver, BMW iX insurance prices go from as low as $486 for basic liability insurance to a much higher rate of $3,954 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code 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.
Rate Comparisons
The chart below breaks down estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,020
- Choosing higher $1,000 deductibles can save about $280 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,822
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $2,366
- Unlucky drivers with multiple tickets or accidents could pay at least $3,954 or more
- The price for full coverage for a teen driver with full coverage can be $6,576 each year
Insurance prices for a BMW iX are also quite variable based on your driving record, the model of your iX, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $6,500 a year. View Rates by Age
The state you live in 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 Missouri, New Hampshire, and Vermont, or at least $2,600 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can save as much as $830 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $2,200 to $2,900 additional each year, depending on your age. High-risk driver insurance ranges as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices may be quite different from one company to the next.
| 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 Affordable BMW iX Insurance
Getting lower rates on car insurance takes being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a brief review of the primary concepts that were covered in the above illustrations.
- You may be able to save up to $230 per year simply by shopping early and online
- Higher risk drivers with DUI or reckless driving convictions pay on average $2,130 more every year to insure their iX
- Increasing physical damage deductibles can save around $825 each year
- Teen drivers are charged the highest prices, possibly costing $548 a month including comprehensive and collision insurance
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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