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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Average insurance rates for a BMW iX are $1,822 a year for full coverage. Comprehensive insurance costs approximately $426, collision costs $808, and liability insurance is $430. A policy with just liability insurance costs around $486 a year, with coverage for high-risk drivers costing $3,954 or more. Teenage 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:
Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all iX models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $486 for minimum levels of liability insurance to the much higher price of $3,954 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities.
The example below illustrates how location impacts auto insurance prices.
These examples show why everyone should compare rates quotes using their specific location and risk profile, rather than relying on 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 Details
The chart below shows estimated BMW iX insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,020
- Raising to $1,000 deductibles will save $280 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,822
- Using pricier low deductibles will cost an extra $544 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,954 or more
- The cost for full coverage for a teen driver for full coverage can cost $6,576
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.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,500 a year. View Rates by Age
Where you live also has a big influence on BMW iX insurance rates. A middle-age driver might find rates as low as $1,200 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,600 on average in New York, Louisiana, 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% |
Using high physical damage deductibles can reduce rates by up to $830 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 more each year. 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 additional per year, depending on your age. BMW iX insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than a normal policy. 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 regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| 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 the Cheapest BMW iX Insurance
Saving money on BMW iX insurance consists of being safe and accident-free, having a good credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a recap of the coverage data touched on above.
- Drivers can save around $230 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $825 each year
- Youthful drivers are the costliest to insure, costing as high as $548 per month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents may pay on average $2,130 more per year than a low-risk driver
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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