BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a BMW iX are $1,822 a year with full coverage. Comprehensive insurance costs on average $426 each year, collision costs $808, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing $3,954 or more. Teenage drivers pay the most at $6,576 a year or more.

Average premium for full coverage: $1,822

Premium estimates by type of coverage:

Comprehensive $426
Collision $808
Liability $430

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and iX models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a BMW iX go from as low as $486 for just the minimum liability insurance to a high rate of $3,954 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

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

These rate differences demonstrate why all drivers should compare prices based on a specific location and risk profile, 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.

Additional Rate Analysis

The chart below details estimated BMW iX insurance rates for different risk profiles and scenarios.

  • The best discount rate is $1,020
  • Using higher $1,000 deductibles will save around $280 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,822
  • Using low deductibles for physical damage coverage will cost an extra $544 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,954 or more
  • An auto insurance policy for full coverage for a teenage driver may cost $6,576 or more

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

Insurance prices for a BMW iX also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $6,500 a year. View Rates by Age

Where you choose to live has a huge impact on BMW iX insurance rates. A driver around age 40 might see prices as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,460 on average in Florida, Michigan, and New York.

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

Using high physical damage deductibles could cut prices by as much as $830 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $2,200 to $2,900 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 Find More Affordable BMW iX Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and bundling your home and auto policies. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a summary of the data raised in the charts and tables above.

  • Consumers who require higher liability limits will pay an extra $470 every year to increase from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save as much as $230 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $825 each year
  • Teenagers pay the highest prices, possibly costing $548 per month for full coverage

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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