BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive costs an estimated $426 a year, collision insurance costs $808, and liability costs around $430. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $3,954. Teens pay the highest rates at up to $6,576 a year.

Average premium for full coverage: $1,822

Price estimates broken down by individual coverage:

Comprehensive $426
Collision $808
Liability $430

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and iX trim levels.

Price Range from Low to High

For a driver in their 40's, BMW iX insurance prices range from the low end price of $486 for the bare minimum liability coverage to a high of $3,954 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

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

The ranges above illustrate why it is important to compare prices for a targeted area, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

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Additional Rate Information

The chart below illustrates average BMW iX insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $1,020
  • Using higher $1,000 deductibles will save approximately $1,542 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,822
  • Selecting low $100 deductibles for physical damage coverage bumps up the cost to $2,366
  • High-risk insureds with serious driving violations could pay up to $3,954
  • The price that insures a 16-year-old driver can cost as much as $6,576 or more

View Chart as Image

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

Car insurance prices for a BMW iX are also quite variable based on the trim level of your iX, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,200 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,700 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $6,500 a year. View Rates by Age

The state you live in has a huge impact on BMW iX insurance prices. A driver around age 40 might see prices as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,460 on average in Florida, New York, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $830 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable BMW iX Insurance

Getting lower rates on insurance for a BMW iX requires being a good driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief review of the data that was covered in the charts and tables above.

  • It is possible to save approximately $230 per year just by quoting early and online
  • Insureds who want an increased level of liability coverage will pay approximately $470 annually to increase from a low limit to the 250/500 level
  • Drivers age 16 to 20 have the highest car insurance prices, as much as $548 a month if full coverage is purchased
  • Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $2,130 more annually than a safer driver

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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