BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a BMW iX are $1,822 every 12 months including full coverage. Comprehensive insurance costs approximately $426 each year, collision costs $808, and liability insurance is estimated at $430. A policy with just liability insurance costs approximately $486 a year, with coverage for high-risk drivers costing $3,954 or more. 16-year-old drivers pay the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Price estimates by individual coverage:

Comprehensive $426
Collision $808
Liability $430

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and iX models.

Price Range from Low to High

For a 40-year-old driver, BMW iX insurance prices go from the cheapest price of $486 for minimum levels of liability insurance to a high rate of $3,954 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance prices.

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

The ranges above highlight why all drivers should get quotes using their specific location and their own driving history, rather than relying on rate averages.

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

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Additional Rate Details

The chart below breaks down estimated BMW iX insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $1,020
  • Choosing higher $1,000 deductibles can save $280 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,822
  • Buying low deductibles for comp and collision coverage costs an extra $544 a year
  • High-risk insureds with multiple tickets or accidents could pay around $3,954 or more
  • The price to insure a teen driver can cost $6,576 each year

View Chart as Image

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

Insurance prices for a BMW iX are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your iX.

Opting for high physical damage deductibles can save as much as $830 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $6,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $2,200 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

The state you live in 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 Vermont, New Hampshire, and Missouri, or at least $2,600 on average in Louisiana, New York, and Michigan.

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

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices may be quite different.

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 Shop for Cheaper BMW iX Insurance

Getting lower rates on BMW iX insurance takes being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a condensed summary of the ideas that were illustrated above.

  • Teenage drivers are expensive to insure, possibly costing $548 a month if they have full coverage
  • High-risk drivers with multiple at-fault accidents could be charged and average of $2,130 more per year for auto insurance
  • Increasing physical damage deductibles could save as much as $825 each year
  • You may be able to save around $230 per year simply by quoting online in advance

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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