BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW iX are $1,822 annually for full coverage. Comprehensive insurance costs around $426, collision insurance costs $808, and liability coverage is estimated at $430. Buying just liability costs approximately $486 a year, and insurance for high-risk drivers costs $3,954 or more. 16-year-old drivers pay the highest rates at up to $6,576 a year.
Average premium for full coverage: $1,822
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different iX trim levels.
Price Range from Low to High
For the average 40-year-old driver, BMW iX insurance prices range from as cheap as $486 for a discount liability-only rate to a much higher rate of $3,954 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using 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.
Rates by State, City, and Model
The chart below shows average BMW iX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,020
- Choosing higher $1,000 deductibles can save about $280 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,822
- Buying more expensive low deductibles for comp and collision coverage costs an additional $544 each year
- Drivers with multiple tickets or accidents could pay at least $3,954
- The price with full coverage for a teenage driver with full coverage can be $6,576 each year
Insurance prices for a BMW iX are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,700 annually on average for full coverage. Prices are highest for teenage drivers, 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 some driving violations or you caused a few accidents, you could be paying at least $2,200 to $2,900 additional each year, depending on your age. High-risk driver insurance ranges around 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $830 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for BMW iX insurance rates. A good driver about age 40 could pay as low as $1,200 a year in states like Idaho, Maine, and Iowa, or at least $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 Affordable BMW iX Insurance
Getting lower rates on auto insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a brief review of the primary concepts that were touched on in this article.
- Drivers can save up to $230 per year just by shopping early and online
- Drivers with DUI or reckless driving convictions pay an average of $2,130 more every year to insure a BMW iX
- Increasing physical damage deductibles could save up to $825 each year
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $548 a 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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