BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a BMW iX are $1,822 a year for full coverage. Comprehensive costs approximately $426 a year, collision costs $808, and liability costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $3,954. Teen drivers receive the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Rate estimates by individual coverage type:

Comprehensive $426
Collision $808
Liability $430

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and iX trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $486 for a discount liability-only rate to a high of $3,954 for a driver who requires high-risk insurance.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

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

These examples show why it is important to compare prices using their specific location and risk profile, instead of using 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.

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Rates by State, City, and Model

The chart below shows estimated BMW iX insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $1,020
  • Using higher $1,000 deductibles will save $1,542 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,822
  • Choosing low $100 deductibles for physical damage coverage will increase the cost to $2,366
  • Drivers with multiple violations and an at-fault accident could pay around $3,954 or more
  • The cost for full coverage for a teen driver can cost $6,576 or more

View Chart as Image

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

Car insurance rates for a BMW iX can also vary considerably based on your driver profile, the trim level of your iX, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,700 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $6,500 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 $1,200 a year in states like Iowa, Maine, and Idaho, or as much as $2,600 on average in New York, Louisiana, and Michigan.

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

Choosing high deductibles could cut rates by as much as $830 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $2,200 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

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 Cheaper BMW iX Insurance

Saving money on car insurance requires not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Set aside time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a condensed summary of the concepts that were covered above.

  • Higher risk drivers with multiple at-fault accidents may pay on average $2,130 more per year for iX insurance
  • Teens pay the highest auto insurance rates, costing as high as $548 per month if full coverage is included
  • Drivers can save around $230 per year simply by quoting early and online
  • Increasing deductibles can save around $825 each year
  • Drivers can save around $230 per year simply by quoting early and online

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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