BMW IX Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW iX are $1,822 every 12 months including full coverage. Comprehensive costs on average $426, collision costs $808, and liability is estimated at $430. Liability-only insurance costs approximately $486 a year, with high-risk driver insurance costing around $3,954. Teens pay the most at $6,576 a year or more.
Average premium for full coverage: $1,822
Premium estimates by type of coverage:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all iX models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a BMW iX go from the cheapest price of $486 for the bare minimum liability coverage to the much higher price of $3,954 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects car insurance rates.
These rate differences highlight why everyone should get quotes based on a specific location and their own driving history, instead of using averaged prices.
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 Rate Information
The chart below breaks down estimated BMW iX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,020
- Choosing higher $1,000 deductibles can save around $280 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,822
- Selecting pricier low deductibles for comp and collision coverage increases the price to $2,366
- Unlucky drivers with serious driving violations could pay upwards of $3,954 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $6,576 each year
Insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your iX.
Choosing higher comprehensive and collision insurance deductibles can save as much as $830 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $2,200 to $2,900 additional annually, depending on your age. BMW iX insurance for high-risk drivers ranges as much as 44% to 135% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 could pay as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or have to pay 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% |
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially 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 the Best Cheap BMW iX Insurance
Finding better rates on car insurance takes being a low-risk driver, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The items below are a quick review of the information presented in the illustrations above.
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
- Teen drivers pay higher prices, with the cost nearing $548 per month if full coverage is included
- Increasing policy deductibles could save as much as $825 each year
- Higher risk drivers with a DUI or reckless driving violation may pay on average $2,130 more each year to insure their iX
- Policyholders who require more liability coverage will pay approximately $470 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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