BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive costs on average $426 a year, collision costs $808, and liability insurance costs around $430. Liability-only insurance costs as low as $486 a year, with high-risk driver insurance costing around $3,954. 16-year-old drivers pay the most at $6,576 a year or more.
Average premium for full coverage: $1,822
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and iX trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a BMW iX go from the cheapest price of $486 for the bare minimum liability coverage to a high of $3,954 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.
The diagram below illustrates the difference location can make on car insurance rates.
These rate differences show why it is important to compare prices based on a specific location and their own driving history, rather than relying on rate averages.
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 Rate Information
The chart below shows estimated BMW iX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,020
- Using higher $1,000 deductibles will save around $1,542 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,822
- Buying low $100 deductibles for physical damage coverage increases the price to $2,366
- Drivers with multiple tickets or accidents could pay upwards of $3,954 or more
- An auto insurance policy to insure a teen driver may cost $6,576 or more
Insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your iX.
Opting for high physical damage deductibles could cut prices by as much as $830 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,200 to $2,900 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on BMW iX insurance rates. A driver around age 40 might see prices as low as $1,200 a year in states like Idaho, Maine, and Iowa, or at least $2,600 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and prices will be substantially different.
| 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 Affordable BMW iX Insurance
Finding better rates on BMW iX insurance requires being a good driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least once a year by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The following list is a brief review of the primary concepts that were touched on in this article.
- Drivers can save as much as $230 per year simply by quoting early and online
- High-risk drivers with DUI or reckless driving convictions pay an average of $2,130 more each year than a safer driver
- Increasing policy deductibles could save as much as $825 each year
- Drivers age 16 to 20 pay higher prices, as much as $548 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,366 |
| $250 | $2,114 |
| $500 | $1,822 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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