BMW IX Insurance Rates

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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 for full coverage. Comprehensive insurance costs around $426, collision costs $808, and liability costs around $430. Liability-only insurance costs as low as $486 a year, with high-risk driver insurance costing $3,954 or more. Teenage drivers cost the most to insure at $6,576 a year or more.

Average premium for full coverage: $1,822

Policy rates for type of insurance:

Comprehensive $426
Collision $808
Liability $430

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 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 your basic liability-only policy to the much higher price of $3,954 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

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

The examples above show why everyone should compare prices for a specific zip code, instead of 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.

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More Rate Information

The chart below shows estimated BMW iX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,020
  • Using higher $1,000 deductibles will save about $280 a year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,822
  • Using pricier low deductibles for physical damage coverage will cost an additional $544 every year
  • Drivers who are prone to accidents and violations could pay at least $3,954 or more
  • Policy cost that insures a teen driver for full coverage can be $6,576 or more

View Chart as Image

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

Auto insurance rates for a BMW iX also range considerably based on the model of your iX, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,200 to $2,900 in extra premium every year, depending on your age. BMW iX insurance for high-risk drivers can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little 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 have to pay as much as $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 $1,200 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,600 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles could cut rates by as much as $830 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 the Cheapest BMW iX Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least every other year by requesting quotes from direct carriers, and also from several local insurance agents.

Below is a recap of the car insurance concepts touched on above.

  • Higher risk drivers that have major violations or accidents pay on average $2,130 more every year for auto insurance
  • Drivers can save up to $230 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $825 each year
  • Policyholders who may need higher levels of liability will pay an extra $470 each year to increase from a 30/60 limit to the 250/500 level

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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