BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive insurance costs an estimated $426 a year, collision costs $808, and liability coverage costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,954 or more. Teenage drivers pay the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Price estimates broken down by individual coverage:

Comprehensive $426
Collision $808
Liability $430

Prices include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and iX trim levels.

Price Range from Low to High

For a driver in their 40's, BMW iX insurance prices go from the low end price of $486 for a discount liability-only rate to a high of $3,954 for a policy for a high-risk driver.

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

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

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

The ranges above illustrate why it is important to compare rates for a targeted area, rather than 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.

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Rates by State, City, and Model

The chart below illustrates estimated BMW iX insurance rates for other coverage scenarios.

  • The best discount rate is $1,020
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,542 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,822
  • Using low $100 deductibles for comprehensive and collision insurance will cost an additional $544 each year
  • High-risk insureds who are prone to accidents and violations could pay up to $3,954 or more
  • The price that insures a teenage driver can cost as much as $6,576 a year

View Chart as Image

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

Insurance prices for a BMW iX are also quite variable based on the trim level of your iX, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,200 to $2,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $6,500 a year. View Rates by Age

The state you live in makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,460 on average in Florida, New York, and Michigan.

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

Using high physical damage deductibles could save up to $830 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite different.

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 Find the Right BMW iX Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every year by requesting rates from direct insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the coverage data covered in the charts and tables above.

  • It is possible to save approximately $230 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $825 each year
  • Drivers under the age of 20 are expensive to insure, as much as $548 a month if comprehensive and collision insurance is included
  • Drivers with reckless driving or DUI convictions may have to pay on average $2,130 more annually to insure a BMW iX

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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