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 auto insurance rates for a BMW iX are $1,822 annually for full coverage insurance. Comprehensive costs approximately $426 each year, collision insurance costs $808, and liability is $430. Buying just liability costs around $486 a year, and insurance for high-risk drivers costs around $3,954. Teen drivers pay the highest rates at up to $6,576 a year.
Average premium for full coverage: $1,822
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and iX models.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices range from as cheap as $486 for liability-only coverage to a high rate of $3,954 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, 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 Charts and Tables
The chart below illustrates 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 $280 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,822
- Choosing low deductibles will cost $2,366
- Drivers with multiple violations and an at-fault accident could pay around $3,954
- The price with full coverage for a 16-year-old driver can cost $6,576
Insurance prices for a BMW iX are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $2,200 to $2,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $830 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
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 $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,460 on average in Florida, 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 Buy Affordable BMW iX Insurance
Getting lower rates on insurance for a BMW iX consists of being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief review of the primary concepts that were raised in the charts and tables above.
- It is possible to save around $230 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,130 more per year than a low-risk driver
- Increasing physical damage deductibles could save up to $825 each year
- Youthful drivers are the costliest to insure, as much as $548 a month if they have full coverage
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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