BMW IX Insurance Rates

U.S. average insurance prices for a BMW iX are $1,858 every 12 months for full coverage. Comprehensive costs an estimated $442, collision insurance costs $842, and liability coverage costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs around $4,038. Teen drivers pay the highest rates at up to $6,676 a year.

Average premium for full coverage: $1,858

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different iX trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using price averages.

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

More Rate Details

The chart below shows average BMW iX insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,037
• Using higher $1,000 deductibles will save approximately $290 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,858
• Choosing more expensive low deductibles for physical damage coverage increases the price to $2,424
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,038
• The price to insure a teenage driver with full coverage can cost as much as $6,676 or more

View Chart as Image

Insurance prices for a BMW iX are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $860 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,700 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $6,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $2,200 to $3,000 additional each year, depending on your age. High-risk driver insurance can be around 45% to 132% more than average. View High Risk Driver Rates

The state you live in has a huge impact on BMW iX insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Iowa, Maine, and Idaho, or as much as $2,650 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best BMW iX Insurance

Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $556 a month if full coverage is included
• Drivers who tend to receive serious violations pay on average $2,180 more annually than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $850 each year
• Drivers can save approximately $230 per year just by shopping early and online