BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a BMW iX are $1,822 every 12 months for full coverage insurance. Comprehensive costs around $426 each year, collision insurance costs $808, and liability is $430. Liability-only coverage costs around $486 a year, and high-risk coverage costs around $3,954. Teenage 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:

Comprehensive $426
Collision $808
Liability $430

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and iX models.

Price Range Variability

For an average driver, BMW iX insurance rates range from the cheapest price of $486 for minimum levels of liability insurance to a high rate of $3,954 for a driver who requires high-risk insurance.

Liability Only $486
Full Coverage $1,822
High Risk $3,954

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,367
Small Cities $1,913
Large Cities $2,460

The examples above illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

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Additional Rate Details

The chart below illustrates average BMW iX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,020
  • Raising to $1,000 deductibles will save about $280 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,822
  • Using low deductibles increases the price to $2,366
  • At-risk drivers who are prone to accidents and violations could pay at least $3,954
  • Policy cost to insure a teen driver can be $6,576

View Chart as Image

BMW iX insurance cost comparison chart
Column chart showing BMW iX insurance rates range from $1,020 to $6,576 for full coverage

Insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $830 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 were responsible for an accident, you are probably paying at least $2,200 to $2,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on BMW iX insurance prices. A middle-age driver might find rates as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,460 on average in Michigan, New York, and Florida.

BMW iX Insurance Rates by State
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%

View Chart as Image

BMW iX insurance rates by U.S. city
BMW iX Insurance Rates by Model Year
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 BMW iX Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief recap of the concepts that were covered in the above illustrations.

  • Higher risk drivers who tend to receive serious violations may pay on average $2,130 more every year to insure a BMW iX
  • Drivers under the age of 20 are charged the highest rates, possibly costing $548 each month if full coverage is included
  • It is possible to save up to $230 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $825 each year
  • It is possible to save up to $230 per year just by quoting online in advance

Rates by Driver Age

BMW iX Insurance 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

BMW iX Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,366
$250 $2,114
$500 $1,822
$1,000 $1,542

Full coverage, driver age 40

Rates by Liability Limit

BMW iX Insurance Rates with Different Liability Limits
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

BMW iX Insurance 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.

SR-22 Surcharge $260

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
Rate after discounts $1,020

Discounts are estimated and may not be available from every company or in every state.

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