BMW IX Insurance Rates

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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 a year, collision costs $808, and liability costs $430. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing $3,954 or more. Teens 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

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and iX trim levels.

Price Range from Low to High

For the normal driver, BMW iX insurance prices go from as cheap as $486 for just liability coverage to a high of $3,954 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

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

The ranges above demonstrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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.

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Detailed Rate Analysis

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

  • The cheapest rate after discounts is $1,020
  • Drivers who choose higher $1,000 deductibles will pay $1,542 annually
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,822
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $544 annually
  • Drivers with serious driving violations could pay around $3,954 or more
  • The price with full coverage for a 16-year-old driver can cost $6,576 a 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

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.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,700 per year on average for full coverage. Prices are much higher 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. A high-risk auto insurance policy can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $830 annually, while buying higher 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 makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,460 on average in New York, Michigan, and Florida.

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 find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy Cheap BMW iX Insurance

Getting lower rates on insurance for a BMW iX not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates at every other renewal by requesting 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 concepts that were presented in the illustrations above.

  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,130 more per year to insure a BMW iX
  • 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
  • You may be able to save around $230 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $825 each year
  • You may be able to save around $230 per year simply by quoting early and online

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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