BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a BMW iX are $1,822 a year including full coverage. Comprehensive costs around $426 a year, collision costs $808, and liability is $430. A liability-only policy costs around $486 a year, with high-risk insurance costing around $3,954. Teenage drivers pay the most at $6,576 a year or more.
Average premium for full coverage: $1,822
Premium estimates for type of coverage:
Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and iX trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a BMW iX go from as low as $486 for a discount liability-only rate to a high of $3,954 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences highlight why it is important to compare rates quotes for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below breaks down estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,020
- Raising to $1,000 deductibles will save about $1,542 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,822
- Using low $100 deductibles will increase the cost to $2,366
- Drivers who are prone to accidents and violations could pay at least $3,954 or more
- An auto insurance policy for full coverage for a 16-year-old driver can be $6,576
Auto insurance prices for a BMW iX also have a wide range based on your driving characteristics, the model of your iX, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $6,500 a year. View Rates by Age
Where you choose to live also has a big influence on BMW iX insurance prices. A middle-age driver might find prices as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,600 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce prices by up to $830 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $2,200 to $2,900 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| 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 Find Cheaper BMW iX Insurance
Finding better rates on insurance for a BMW iX consists of avoiding accidents and violations, having good credit, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a condensed summary of the data that was touched on in this article.
- You may be able to save up to $230 per year simply by quoting early and online
- Insureds who may need higher liability limits will pay an extra $470 per year to raise from 30/60 bodily injury limits to 250/500 limits
- Teenagers are expensive to insure, with the cost nearing $548 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $2,130 more every year for car insurance
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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