BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a BMW iX are $1,858 a year for full coverage. Comprehensive insurance costs on average $442, collision insurance costs $842, and liability insurance costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs $4,038 or more. Teens cost the most to insure at up to $6,676 a year.
Average premium for full coverage: $1,858
Policy rates by type of insurance:
Prices include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different iX trim levels.
Price Range Variability
Using a 40-year-old driver as an example, BMW iX insurance rates range from as low as $474 for liability-only coverage to a much higher rate of $4,038 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on averaged prices.
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.
Additional Charts and Tables
The chart below shows average BMW iX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,037
- Drivers who choose higher $1,000 deductibles will pay around $290 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,858
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $566 a year
- High risk drivers with serious driving violations could pay upwards of $4,038
- Policy cost for full coverage for a teen driver with full coverage may cost $6,676 a year
Insurance rates for a BMW iX also range considerably based on your risk profile, the trim level of your iX, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $6,600 a year. View Rates by Age
Your home state makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,650 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,680 | -$178 | -9.6% |
| Alaska | $1,426 | -$432 | -23.3% |
| Arizona | $1,544 | -$314 | -16.9% |
| Arkansas | $1,858 | -$0 | 0.0% |
| California | $2,118 | $260 | 14.0% |
| Colorado | $1,776 | -$82 | -4.4% |
| Connecticut | $1,912 | $54 | 2.9% |
| Delaware | $2,102 | $244 | 13.1% |
| Florida | $2,324 | $466 | 25.1% |
| Georgia | $1,716 | -$142 | -7.6% |
| Hawaii | $1,334 | -$524 | -28.2% |
| Idaho | $1,258 | -$600 | -32.3% |
| Illinois | $1,386 | -$472 | -25.4% |
| Indiana | $1,400 | -$458 | -24.7% |
| Iowa | $1,254 | -$604 | -32.5% |
| Kansas | $1,768 | -$90 | -4.8% |
| Kentucky | $2,536 | $678 | 36.5% |
| Louisiana | $2,752 | $894 | 48.1% |
| Maine | $1,146 | -$712 | -38.3% |
| Maryland | $1,534 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$372 | -20.0% |
| Michigan | $3,228 | $1,370 | 73.7% |
| Minnesota | $1,556 | -$302 | -16.3% |
| Mississippi | $2,226 | $368 | 19.8% |
| Missouri | $1,650 | -$208 | -11.2% |
| Montana | $1,998 | $140 | 7.5% |
| Nebraska | $1,466 | -$392 | -21.1% |
| Nevada | $2,228 | $370 | 19.9% |
| New Hampshire | $1,340 | -$518 | -27.9% |
| New Jersey | $2,078 | $220 | 11.8% |
| New Mexico | $1,646 | -$212 | -11.4% |
| New York | $1,956 | $98 | 5.3% |
| North Carolina | $1,070 | -$788 | -42.4% |
| North Dakota | $1,522 | -$336 | -18.1% |
| Ohio | $1,284 | -$574 | -30.9% |
| Oklahoma | $1,908 | $50 | 2.7% |
| Oregon | $1,702 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$84 | -4.5% |
| Rhode Island | $2,478 | $620 | 33.4% |
| South Carolina | $1,682 | -$176 | -9.5% |
| South Dakota | $1,568 | -$290 | -15.6% |
| Tennessee | $1,628 | -$230 | -12.4% |
| Texas | $2,240 | $382 | 20.6% |
| Utah | $1,376 | -$482 | -25.9% |
| Vermont | $1,272 | -$586 | -31.5% |
| Virginia | $1,114 | -$744 | -40.0% |
| Washington | $1,436 | -$422 | -22.7% |
| West Virginia | $1,702 | -$156 | -8.4% |
| Wisconsin | $1,286 | -$572 | -30.8% |
| Wyoming | $1,656 | -$202 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $860 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $476 | $870 | $390 | $1,894 |
| 2023 BMW iX | $458 | $864 | $398 | $1,878 |
| 2022 BMW iX | $442 | $842 | $416 | $1,858 |
| 2021 BMW iX | $426 | $808 | $430 | $1,822 |
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
Finding cheaper rates on BMW iX insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The following is a quick rundown of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $230 per year just by shopping early and online
- High-risk drivers with reckless driving or DUI convictions will pay on average $2,180 more each year for iX insurance
- Increasing comprehensive and collision deductibles can save around $850 each year
- Teens pay the highest rates, costing up to $556 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,298 |
| 30 | $1,960 |
| 40 | $1,858 |
| 50 | $1,692 |
| 60 | $1,662 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,424 |
| $250 | $2,162 |
| $500 | $1,858 |
| $1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,858 |
| 50/100 | $1,941 |
| 100/300 | $2,045 |
| 250/500 | $2,316 |
| 100 CSL | $1,983 |
| 300 CSL | $2,212 |
| 500 CSL | $2,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,596 |
| 20 | $6,844 |
| 30 | $4,150 |
| 40 | $4,038 |
| 50 | $3,848 |
| 60 | $3,814 |
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 | $102 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $123 |
| Paid in Full/EFT | $93 |
| Advance Quote | $97 |
| Online Quote | $136 |
| Total Discounts | $821 |
Discounts are estimated and may not be available from every company or in every state.
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