BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive insurance costs an estimated $426 a year, collision costs $808, and liability coverage costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,954 or more. Teenage drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates broken down by individual coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and iX trim levels.
Price Range from Low to High
For a driver in their 40's, BMW iX insurance prices go from the low end price of $486 for a discount liability-only rate to a high of $3,954 for a policy for a high-risk driver.
Geographic Price Range
Your location has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates how location helps determine insurance prices.
The ranges above illustrate why it is important to compare rates for a targeted area, 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.
Rates by State, City, and Model
The chart below illustrates estimated BMW iX insurance rates for other coverage scenarios.
- The best discount rate is $1,020
- Drivers who choose higher $1,000 deductibles will pay approximately $1,542 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,822
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $544 each year
- High-risk insureds who are prone to accidents and violations could pay up to $3,954 or more
- The price that insures a teenage driver can cost as much as $6,576 a year
Insurance prices for a BMW iX are also quite variable based on the trim level of your iX, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $2,200 to $2,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $6,500 a year. View Rates by Age
The state you live in makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,460 on average in Florida, New York, 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 could save up to $830 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite different.
| 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 Right BMW iX Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every year by requesting rates from direct insurance companies, and also from local insurance agencies.
The points below are a quick rundown of the coverage data covered in the charts and tables above.
- It is possible to save approximately $230 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $825 each year
- Drivers under the age of 20 are expensive to insure, as much as $548 a month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions may have to pay on average $2,130 more annually to insure a BMW iX
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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