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 for full coverage. Comprehensive costs around $426, collision insurance costs $808, and liability is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance costs around $3,954. Teen 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:
Estimates include $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different iX trim levels.
Price Range Variability
Using a 40-year-old driver as an example, BMW iX insurance rates range from as cheap as $486 for basic liability insurance to a much higher rate of $3,954 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code 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.
Rate Comparisons
The chart below shows average BMW iX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,020
- Raising to $1,000 deductibles will save about $280 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,822
- Choosing more expensive low deductibles will cost $2,366
- Drivers with multiple violations and an at-fault accident could pay at least $3,954
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $6,576
Auto insurance rates for a BMW iX also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have 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 could be paying at least $2,200 to $2,900 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $830 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on BMW iX insurance prices. A middle-age driver might find rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or 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 Buy Low Cost BMW iX Insurance
Finding cheaper rates on insurance for a BMW iX consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a review of the data that was raised in the charts and tables above.
- Drivers can save up to $230 per year just by shopping early and online
- Insureds who may need higher liability limits will pay about $470 each year to raise from a 30/60 limit to higher 250/500 limits
- Teens are expensive to insure, costing up to $548 each month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay an average of $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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