BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive costs around $426 each year, collision costs $808, and liability insurance costs $430. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $3,954. 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:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and iX models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low 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 car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples illustrate why all drivers should compare rates for a specific zip code and risk profile, 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 illustrates 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 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,822
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $2,366
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,954 or more
- The cost for full coverage for a teen driver can be $6,576 a year
Car insurance rates for a BMW iX can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $6,500 a year. View Rates by Age
Where you live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,460 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could save up to $830 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably 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
With so much variability in rates, the only 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 rate quotes can be significantly different from one company to the next.
| 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
Saving money on BMW iX insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a summary of the data that was touched on in this article.
- It is possible to save up to $230 per year simply by quoting online in advance
- Drivers who may need more liability protection will pay about $470 annually to go from a minimum limit to 250/500 limits
- Youthful drivers are the costliest to insure, costing up to $548 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations 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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