BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW iX are $1,858 a year for full coverage. Comprehensive costs around $442, collision insurance costs $842, and liability costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs around $4,038. Teenage drivers receive the highest rates at up to $6,676 a year.
Average premium for full coverage: $1,858
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all iX models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $474 for liability-only coverage to the much higher price of $4,038 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.
These examples show why everyone should compare prices for a specific zip code, instead of making a decision based on 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.
Additional Charts and Tables
The chart below shows average BMW iX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,037
- Using higher $1,000 deductibles will save about $290 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,858
- Using pricier low deductibles for physical damage coverage bumps up the cost to $2,424
- High-risk insureds who are prone to accidents and violations could pay at least $4,038
- The cost that insures a 16-year-old driver for full coverage can be $6,676 or more
Insurance rates for a BMW iX can also vary considerably based on the model of your iX, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $2,200 to $3,000 extra per year, depending on your age. BMW iX insurance for high-risk drivers can be from 45% to 132% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $6,600 a year. View Rates by Age
Where you live has a huge impact on BMW iX insurance prices. A driver around age 40 might see rates as low as $1,220 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,650 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,680 | -$178 | -9.6% |
| Alaska | $1,426 | -$432 | -23.3% |
| Arizona | $1,544 | -$314 | -16.9% |
| Arkansas | $1,858 | -$0 | 0.0% |
| California | $2,118 | $260 | 14.0% |
| Colorado | $1,776 | -$82 | -4.4% |
| Connecticut | $1,912 | $54 | 2.9% |
| Delaware | $2,102 | $244 | 13.1% |
| Florida | $2,324 | $466 | 25.1% |
| Georgia | $1,716 | -$142 | -7.6% |
| Hawaii | $1,334 | -$524 | -28.2% |
| Idaho | $1,258 | -$600 | -32.3% |
| Illinois | $1,386 | -$472 | -25.4% |
| Indiana | $1,400 | -$458 | -24.7% |
| Iowa | $1,254 | -$604 | -32.5% |
| Kansas | $1,768 | -$90 | -4.8% |
| Kentucky | $2,536 | $678 | 36.5% |
| Louisiana | $2,752 | $894 | 48.1% |
| Maine | $1,146 | -$712 | -38.3% |
| Maryland | $1,534 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$372 | -20.0% |
| Michigan | $3,228 | $1,370 | 73.7% |
| Minnesota | $1,556 | -$302 | -16.3% |
| Mississippi | $2,226 | $368 | 19.8% |
| Missouri | $1,650 | -$208 | -11.2% |
| Montana | $1,998 | $140 | 7.5% |
| Nebraska | $1,466 | -$392 | -21.1% |
| Nevada | $2,228 | $370 | 19.9% |
| New Hampshire | $1,340 | -$518 | -27.9% |
| New Jersey | $2,078 | $220 | 11.8% |
| New Mexico | $1,646 | -$212 | -11.4% |
| New York | $1,956 | $98 | 5.3% |
| North Carolina | $1,070 | -$788 | -42.4% |
| North Dakota | $1,522 | -$336 | -18.1% |
| Ohio | $1,284 | -$574 | -30.9% |
| Oklahoma | $1,908 | $50 | 2.7% |
| Oregon | $1,702 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$84 | -4.5% |
| Rhode Island | $2,478 | $620 | 33.4% |
| South Carolina | $1,682 | -$176 | -9.5% |
| South Dakota | $1,568 | -$290 | -15.6% |
| Tennessee | $1,628 | -$230 | -12.4% |
| Texas | $2,240 | $382 | 20.6% |
| Utah | $1,376 | -$482 | -25.9% |
| Vermont | $1,272 | -$586 | -31.5% |
| Virginia | $1,114 | -$744 | -40.0% |
| Washington | $1,436 | -$422 | -22.7% |
| West Virginia | $1,702 | -$156 | -8.4% |
| Wisconsin | $1,286 | -$572 | -30.8% |
| Wyoming | $1,656 | -$202 | -10.9% |
Using high physical damage deductibles could cut rates by as much as $860 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $476 | $870 | $390 | $1,894 |
| 2023 BMW iX | $458 | $864 | $398 | $1,878 |
| 2022 BMW iX | $442 | $842 | $416 | $1,858 |
| 2021 BMW iX | $426 | $808 | $430 | $1,822 |
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 Low Cost BMW iX Insurance
Saving money on insurance for a BMW iX requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a review of the ideas that were touched on in this article.
- Drivers under the age of 20 pay higher rates, costing as high as $556 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $2,180 more every year to insure a BMW iX
- Increasing deductibles can save approximately $850 each year
- Drivers can save up to $230 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,298 |
| 30 | $1,960 |
| 40 | $1,858 |
| 50 | $1,692 |
| 60 | $1,662 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,424 |
| $250 | $2,162 |
| $500 | $1,858 |
| $1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,858 |
| 50/100 | $1,941 |
| 100/300 | $2,045 |
| 250/500 | $2,316 |
| 100 CSL | $1,983 |
| 300 CSL | $2,212 |
| 500 CSL | $2,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,596 |
| 20 | $6,844 |
| 30 | $4,150 |
| 40 | $4,038 |
| 50 | $3,848 |
| 60 | $3,814 |
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 | $102 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $123 |
| Paid in Full/EFT | $93 |
| Advance Quote | $97 |
| Online Quote | $136 |
| Total Discounts | $821 |
Discounts are estimated and may not be available from every company or in every state.
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