BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a BMW iX are $1,822 annually with full coverage. Comprehensive costs approximately $426 each year, collision insurance costs $808, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $3,954. Teen drivers pay the most at up to $6,576 a year.
Average premium for full coverage: $1,822
Premium estimates by type of coverage:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and iX models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a BMW iX range from as cheap as $486 for just liability coverage to a high rate of $3,954 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences demonstrate why all drivers should compare rates 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.
Detailed Rate Analysis
The chart below details average BMW iX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,020
- Drivers who choose higher $1,000 deductibles will pay $280 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,822
- Choosing low deductibles for comprehensive and collision insurance will cost $2,366
- Drivers with multiple violations and an at-fault accident could pay around $3,954
- An auto insurance policy with full coverage for a 16-year-old driver can cost $6,576 a year
Insurance prices for a BMW iX also have a wide range based on the model of your iX, your driving record, 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 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, 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 a few violations or you caused a few accidents, you may be forking out anywhere from $2,200 to $2,900 additional annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $830 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,460 on average in New York, Michigan, and Florida.
| 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 the Right BMW iX Insurance
Finding better rates on insurance for a BMW iX not only requires being a low-risk driver, but also having good credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a quick rundown of the primary concepts that were raised in the charts and tables above.
- You may be able to save around $230 per year just by quoting online in advance
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,130 more per year to insure their iX
- Increasing policy deductibles could save up to $825 each year
- Teen drivers are the costliest to insure, possibly costing $548 per 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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