BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive insurance costs around $426 each year, collision costs $808, and liability costs around $430. A policy with just liability insurance costs as low as $486 a year, with coverage for high-risk drivers costing $3,954 or more. Teens receive the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Rate estimates for individual coverage type:

Comprehensive $426
Collision $808
Liability $430

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and iX models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $486 for the bare minimum liability coverage to a high rate 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 make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance rates.

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

These examples show why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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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Additional Rate Information

The chart below shows estimated BMW iX insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,020
  • Using higher $1,000 deductibles will save about $280 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,822
  • Selecting low deductibles for physical damage coverage costs an extra $544 annually
  • High-risk insureds with serious driving violations could pay at least $3,954 or more
  • The cost to insure a 16-year-old driver can be $6,576 or more

View Chart as Image

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

Insurance rates for a BMW iX can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $830 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $6,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $2,200 to $2,900 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than the average policy. View High Risk Driver Rates

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 Idaho, Maine, and Iowa, or have to pay at least $2,600 on average in Michigan, Louisiana, and New York.

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

With so much variability in rates, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, and rates can be significantly different.

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 Shop for the Cheapest BMW iX Insurance

Saving money on insurance for a BMW iX requires not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the concepts that were illustrated above.

  • Drivers considered higher risk that have major violations or accidents may pay on average $2,130 more every year for iX insurance
  • Teens are charged the highest rates, costing as high as $548 per month if full coverage is included
  • Drivers can save up to $230 per year simply by quoting online in advance
  • Increasing deductibles could save as much as $825 each year
  • Drivers can save up to $230 per year simply by quoting online in advance

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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