BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a BMW iX are $1,822 every 12 months including full coverage. Comprehensive insurance costs around $426 a year, collision insurance costs $808, and liability coverage is estimated at $430. Liability-only coverage costs approximately $486 a year, and high-risk coverage costs $3,954 or more. Teenage drivers receive the highest rates at up to $6,576 a year.
Average premium for full coverage: $1,822
Rate estimates for individual coverage type:
Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and iX trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $486 for just the minimum liability insurance to a high of $3,954 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.
These examples highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using average rates.
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 Analysis
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 average price for a 40-year-old driver using $500 deductibles is $1,822
- Using low $100 deductibles for comp and collision coverage costs an extra $544 each year
- Drivers who are prone to accidents and violations could pay at least $3,954
- The cost to insure a teenage driver can be $6,576 each year
Car insurance rates for a BMW iX can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $830 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,700 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $2,200 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for BMW iX insurance rates. 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.
| 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% |
| 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 Cheaper BMW iX Insurance
Saving money on auto insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a condensed summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save up to $230 per year just by quoting early and online
- Drivers with multiple at-fault accidents could be forced to pay on average $2,130 more every year for auto insurance
- Increasing deductibles could save as much as $825 each year
- Teenage drivers are the costliest to insure, as much as $548 per month if the policy includes full coverage
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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