BMW IX Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 for full coverage insurance. Comprehensive costs on average $426, collision costs $808, and liability coverage costs $430. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $3,954. Teenage drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates by individual coverage:
Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different iX trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, BMW iX insurance prices go from the cheapest price of $486 for just liability insurance to a much higher rate of $3,954 for high-risk insurance.
Geographic Price Range
Your location has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how where you live affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location 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.
More Rate Details
The chart below illustrates estimated BMW iX insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,020
- Drivers who choose higher $1,000 deductibles will pay around $280 each year
- The average price for the average middle-age driver with $500 deductibles is $1,822
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $2,366
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,954 or more
- The price to insure a teenage driver with full coverage may cost $6,576 a year
Auto insurance prices for a BMW iX are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your iX.
Using high physical damage deductibles could save up to $830 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $6,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $2,200 to $2,900 in extra premium each year, depending on your age. High-risk driver insurance can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates
The state you live in 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 be forced to pay 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different.
| 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 the Best BMW iX Insurance
Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief recap of the material that was touched on in the above illustrations.
- Consumers who require increased levels of liability coverage will pay an extra $470 annually to go from a low limit to a 250/500 level
- Drivers age 20 and younger are charged the highest prices, as much as $548 a month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations pay on average $2,130 more each year to buy BMW iX insurance
- Increasing physical damage deductibles could save as much as $825 each year
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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