BMW IX Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive costs around $426, collision insurance costs $808, and liability coverage costs around $430. A liability-only policy costs as low as $486 a year, and high-risk insurance costs around $3,954. Teenage drivers pay the most at up to $6,576 a year.
Average premium for full coverage: $1,822
Premium estimates for type of coverage:
Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different iX trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a BMW iX range from the cheapest price of $486 for the bare minimum liability coverage to a much higher rate of $3,954 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using average rates.
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 shows average BMW iX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,020
- Using higher $1,000 deductibles will save about $280 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,822
- Using more expensive low deductibles for physical damage coverage increases the price to $2,366
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,954
- An auto insurance policy to insure a teenage driver with full coverage can be $6,576 or more
Auto insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $830 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $2,200 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 135% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on BMW iX insurance rates. A driver around age 40 might see prices as low as $1,200 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,600 on average in Michigan, Louisiana, and New York.
| 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 Low Cost BMW iX Insurance
Finding better rates on auto insurance requires being safe and accident-free, having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
Below you'll find a review of the material that was covered in the above illustrations.
- Consumers who may need more liability protection will pay an extra $470 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers are expensive to insure, as much as $548 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $2,130 more every year than a low-risk driver
- Increasing policy deductibles could save as much as $825 each year
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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