BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a BMW iX are $1,822 annually including full coverage. Comprehensive costs around $426 a year, collision insurance costs $808, and liability insurance costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $3,954. 16-year-old drivers cost the most to insure at up to $6,576 a year.
Average premium for full coverage: $1,822
Policy rates for type of insurance:
Rates are based on $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and iX trim levels.
Price Range Variability
For the average driver, BMW iX insurance rates range from as cheap as $486 for liability-only coverage to a high of $3,954 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.
The examples above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on rate 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.
Additional Charts and Tables
The chart below breaks down average BMW iX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,020
- Using higher $1,000 deductibles will save about $1,542 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,822
- Buying low $100 deductibles for physical damage coverage will cost $2,366
- Drivers with multiple tickets or accidents could pay at least $3,954
- Policy cost with full coverage for a teen driver can be $6,576 or more
Insurance rates for a BMW iX also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $6,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $2,200 to $2,900 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $830 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on BMW iX insurance rates. A driver around age 40 might see rates as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,600 on average in Michigan, New York, and Louisiana.
| 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 Best Cheap BMW iX Insurance
Finding cheaper rates on BMW iX insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the coverage data touched on above.
- You may be able to save up to $230 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $825 each year
- Teens are charged the highest rates, with premiums being up to $548 each month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,130 more every year for iX insurance
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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