BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW iX are $1,822 annually including full coverage. Comprehensive insurance costs around $426 each year, collision costs $808, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing $3,954 or more. Teen drivers receive the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and iX models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $486 for your basic liability-only policy to a high rate of $3,954 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying on price 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.
More Rate Information
The chart below breaks down estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,020
- Drivers who choose higher $1,000 deductibles will pay about $280 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,822
- Choosing low deductibles for comprehensive and collision insurance costs an additional $544 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,954 or more
- The cost with full coverage for a teen driver can be $6,576 a year
Insurance rates for a BMW iX can also vary considerably based on the trim level of your iX, your driving characteristics, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $6,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $2,200 to $2,900 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $830 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,600 on average in Michigan, New York, and Louisiana.
| 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 so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different between companies.
| 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 Buy the Right BMW iX Insurance
Saving money on BMW iX insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the data that was touched on in this article.
- You may be able to save up to $230 per year simply by quoting online in advance
- Drivers who may need more liability protection will pay about $470 per year to go from a minimum limit to higher 250/500 limits
- Youthful drivers pay higher rates, as much as $548 per month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may pay on average $2,130 more every year than a low-risk driver
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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