BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a BMW iX are $1,822 annually for full coverage insurance. Comprehensive insurance costs around $426, collision insurance costs $808, and liability costs $430. A liability-only policy costs as little as $486 a year, and high-risk insurance costs $3,954 or more. Teenage drivers cost the most to insure at up to $6,576 a year.

Average premium for full coverage: $1,822

Policy rates for type of insurance:

Comprehensive $426
Collision $808
Liability $430

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all iX models.

Price Range Variability

For a driver in their 40's, BMW iX insurance rates range from as cheap as $486 for just liability insurance to the much higher price of $3,954 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

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

The examples above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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.

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More Rate Details

The chart below illustrates average BMW iX insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,020
  • Drivers who choose higher $1,000 deductibles will pay about $280 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,822
  • Using pricier low deductibles for comprehensive and collision insurance costs an additional $544 annually
  • Drivers who are prone to accidents and violations could pay at least $3,954
  • Policy cost with full coverage for a 16-year-old driver for full coverage can be $6,576 a year

View Chart as Image

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

Car insurance rates for a BMW iX also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $6,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $2,200 to $2,900 extra every year, depending on your age. BMW iX insurance for high-risk drivers can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $830 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in BMW iX insurance prices. 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.

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
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 the Cheapest BMW iX Insurance

Finding cheaper rates on insurance for a BMW iX not only requires having a good driving record, but also having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a recap of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents pay on average $2,130 more every year to buy BMW iX insurance
  • Drivers age 20 and younger are the costliest to insure, possibly costing $548 each month if comprehensive and collision insurance is included
  • It is possible to save up to $230 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save up to $825 each year
  • It is possible to save up to $230 per year just by quoting online well ahead of the renewal date

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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