BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a BMW iX are $1,822 a year including full coverage. Comprehensive insurance costs around $426 a year, collision insurance costs $808, and liability is estimated at $430. A liability-only policy costs approximately $486 a year, and high-risk insurance costs $3,954 or more. Teenage drivers pay the most at up to $6,576 a year.

Average premium for full coverage: $1,822

Premium estimates for type of coverage:

Comprehensive $426
Collision $808
Liability $430

Includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. 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 range from the low end price of $486 for the bare minimum liability coverage to a high of $3,954 for a high-risk driver policy.

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

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

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

These rate differences highlight why it is important to get quotes for a specific zip code, instead of using average rates.

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

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Additional Rate Information

The chart below breaks down average BMW iX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,020
  • Choosing higher $1,000 deductibles can save about $1,542 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,822
  • Using low $100 deductibles for comp and collision coverage will cost an additional $544 every year
  • Unlucky drivers who are prone to accidents and violations could pay at least $3,954
  • An auto insurance policy that insures a teen driver can be $6,576 each year

View Chart as Image

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

Auto insurance prices for a BMW iX also have a wide range based on the trim level of your iX, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $2,200 to $2,900 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $6,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 could pay as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,600 on average in Michigan, New York, and Louisiana.

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 can save as much as $830 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

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 the Cheapest BMW iX Insurance

Finding better rates on car insurance takes having a good driving record, maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The next list is a recap of the information touched on in this article.

  • You may be able to save up to $230 per year just by quoting early and online
  • Drivers age 20 and younger are expensive to insure, with the cost nearing $548 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $825 each year
  • Higher risk drivers that have major violations or accidents may have to pay on average $2,130 more every year to buy BMW iX insurance
  • Policyholders who may need increased levels of liability coverage will pay an extra $470 per year to raise limits from 30/60 bodily injury limits to the 250/500 level

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.

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