BMW IX Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: Mar 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive costs an estimated $426, collision costs $808, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $3,954. Teenage drivers cost the most to insure at $6,576 a year or more.

Average premium for full coverage: $1,822

Policy rates broken down by type of insurance:

Comprehensive $426
Collision $808
Liability $430

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different iX trim levels.

Price Range Variability

For the normal driver, BMW iX insurance rates go from the low end price of $486 for the bare minimum liability coverage to a much higher rate of $3,954 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on 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.

By clicking, you agree to our Terms of Use

Additional Rate Information

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

  • The best discount rate is $1,020
  • Using higher $1,000 deductibles will save approximately $280 each year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,822
  • Using more expensive low deductibles for physical damage coverage bumps up the cost to $2,366
  • High-risk insureds who are prone to accidents and violations could pay up to $3,954 or more
  • Policy cost that insures a 16-year-old driver with full coverage can cost as much as $6,576 or more

View Chart as Image

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

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

If you have a few points on your driving record or you caused an accident, you are probably paying $2,200 to $2,900 extra every year, depending on your age. High-risk driver insurance can be from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $6,500 a year. View Rates by Age

Your home state has a huge impact on BMW iX insurance prices. A driver around age 40 might see rates 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 cut rates by as much as $830 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied.

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 More Affordable BMW iX Insurance

Finding cheaper rates on insurance for a BMW iX requires being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at every policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

Below is a summary of the data presented in the illustrations above.

  • Insureds who want higher levels of liability will pay an extra $470 annually to increase from a 30/60 limit to the 250/500 level
  • It is possible to save approximately $230 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $825 each year
  • Teenage drivers are charged the highest rates, possibly costing $548 each month if full coverage is included

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles