BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive insurance costs approximately $426 a year, collision costs $808, and liability is estimated at $430. A liability-only policy costs approximately $486 a year, with high-risk insurance 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:
These estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and iX trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $486 for just liability insurance to a high of $3,954 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance prices.
These examples show why it is important to get quotes using their specific location and their own driving history, instead of 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.
More Rate Details
The chart below shows estimated BMW iX insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,020
- Choosing higher $1,000 deductibles can save $1,542 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,822
- Using low $100 deductibles for comp and collision coverage costs an extra $544 every year
- Unlucky drivers who are prone to accidents and violations could pay around $3,954 or more
- The cost to insure a teen driver can cost $6,576 each year
Insurance rates for a BMW iX can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your iX.
Using high physical damage deductibles can save as much as $830 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,700 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $2,200 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 could pay 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly 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 Shop for Cheap BMW iX Insurance
Saving money on car insurance takes not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a brief summary of the primary concepts that were touched on in this article.
- Drivers can save around $230 per year simply by quoting early and online
- Higher risk drivers that tend to have accidents or serious violations may pay on average $2,130 more per year for iX insurance
- Increasing deductibles could save as much as $825 each year
- Teens are expensive to insure, costing as high as $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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