BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a BMW iX are $1,822 every 12 months including full coverage. Comprehensive insurance costs approximately $426 a year, collision insurance costs $808, and liability insurance is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance costs $3,954 or more. Teen drivers cost the most to insure at up to $6,576 a year.
Average premium for full coverage: $1,822
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and iX trim levels.
Price Range Variability
For a driver in their 40's, BMW iX insurance rates range from the cheapest price of $486 for the bare minimum liability coverage to a high of $3,954 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
The examples above highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on price 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.
Additional Rate Information
The chart below breaks down average BMW iX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,020
- Raising to $1,000 deductibles will save $1,542 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,822
- Choosing low $100 deductibles costs an extra $544 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,954
- Policy cost to insure a teen driver can cost $6,576
Auto insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your iX.
Choosing high deductibles can reduce rates by up to $830 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $2,200 to $2,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates
Your home state also has a big influence on BMW iX insurance rates. A middle-age driver might find rates as low as $1,400 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,600 on average in Louisiana, New York, and Michigan.
| 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% |

| 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 Shop for the Best BMW iX Insurance
Finding cheaper rates on BMW iX insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest time comparing rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a brief recap of the data covered in the charts and tables above.
- Drivers who purchase more liability protection will pay about $470 per year to raise from a 30/60 limit to a 250/500 level
- You may be able to save around $230 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- Youthful drivers have the highest car insurance rates, with premiums being up to $548 each month if comprehensive and collision insurance is included
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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