BMW IX Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a BMW iX are $1,858 a year including full coverage. Comprehensive insurance costs approximately $442, collision insurance costs $842, and liability is $416. Liability-only insurance costs around $474 a year, and high-risk driver insurance costs $4,038 or more. Teen drivers pay the highest rates at up to $6,676 a year.
Average premium for full coverage: $1,858
Price estimates by individual coverage:
Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all iX models.
Price Range from Low to High
For the normal driver, BMW iX insurance prices range from as low as $474 for minimum levels of liability insurance to the much higher price of $4,038 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based 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 Details
The chart below breaks down average BMW iX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,037
- Raising to $1,000 deductibles will save $290 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,858
- Choosing pricier low deductibles will cost an extra $566 annually
- Drivers with multiple violations and an at-fault accident could pay around $4,038
- The price for full coverage for a 16-year-old driver for full coverage can cost $6,676
Car insurance prices for a BMW iX are also quite variable based on your driving record, the model of your iX, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $6,600 a year. View Rates by Age
The state you live in also has a big influence on BMW iX insurance prices. A middle-age driver might find prices as low as $1,430 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,650 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $860 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $2,200 to $3,000 extra each year, depending on your age. BMW iX insurance for high-risk drivers is expensive and can cost from 45% to 132% more than average. View High Risk Driver Rates
| 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 More Affordable BMW iX Insurance
Getting lower rates on insurance for a BMW iX consists of being a low-risk driver, having above-average credit, being claim-free, and attention to physical damage deductibles. Invest the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The items below are a summary of the ideas that were presented in the illustrations above.
- Teen drivers pay the highest auto insurance prices, possibly costing $556 a month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $2,180 more per year to insure their iX
- Increasing physical damage deductibles can save around $850 each year
- You may be able to save around $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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
