BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a BMW iX are $1,822 every 12 months for full coverage insurance. Comprehensive costs around $426 a year, collision insurance costs $808, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, and high-risk coverage costs around $3,954. 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:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and iX trim levels.
Price Range Variability
For a driver in their 40's, BMW iX insurance rates range from the cheapest price of $486 for just liability coverage to a high of $3,954 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates average BMW iX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,020
- Choosing higher $1,000 deductibles can save about $1,542 each year
- The average price for a good driver age 40 using $500 deductibles is $1,822
- Using low $100 deductibles for comp and collision coverage increases the price to $2,366
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,954
- Policy cost to insure a 16-year-old driver can be $6,576 each year
Insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Using high physical damage deductibles can save as much as $830 annually, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $2,200 to $2,900 additional every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 135% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 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% |
| 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 Cheap BMW iX Insurance
Finding cheaper rates on insurance for a BMW iX takes avoiding accidents and claims, having above-average credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a brief summary of the information covered in the charts and tables above.
- It is possible to save up to $230 per year just by quoting early and online
- Drivers under the age of 20 are charged the highest rates, possibly costing $548 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,130 more every year to insure a BMW iX
- Insureds who may need increased liability limits will pay an extra $470 annually to raise limits from a 30/60 limit to a 250/500 level
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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