BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW iX are $1,822 annually with full coverage. Comprehensive insurance costs approximately $426, collision insurance costs $808, and liability coverage is estimated at $430. Liability-only insurance costs approximately $486 a year, and high-risk driver insurance costs $3,954 or more. 16-year-old drivers pay the highest rates at up to $6,576 a year.
Average premium for full coverage: $1,822
Price estimates by individual coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different iX trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices range from as cheap as $486 for just liability coverage to a much higher rate of $3,954 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations have fewer collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using rate 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.
Detailed Rate Analysis
The chart below details average 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 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,822
- Buying more expensive low deductibles for comp and collision coverage costs an additional $544 each year
- Drivers with multiple tickets or accidents could pay around $3,954
- The price with full coverage for a teenage driver with full coverage can cost $6,576 each year
Car insurance prices for a BMW iX are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $2,200 to $2,900 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $830 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
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 $1,310 a year in states like Utah, Ohio, and New Hampshire, or at least $2,460 on average in New York, Michigan, 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% |
| 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 Cheap BMW iX Insurance
Getting lower rates on auto insurance takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief summary of the ideas that were raised in the charts and tables above.
- Drivers under the age of 20 pay the highest auto insurance prices, costing up to $548 a month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations may pay on average $2,130 more per year to insure a BMW iX
- Increasing physical damage deductibles could save up to $825 each year
- You may be able to save around $230 per year just by shopping early and online
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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