BMW IX Insurance Rates
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Michelle Robbins
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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. Comprehensive costs around $426, collision costs $808, and liability is $430. Liability-only coverage costs around $486 a year, with high-risk coverage costing around $3,954. 16-year-old drivers cost the most to insure at $6,576 a year or more.
Average premium for full coverage: $1,822
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all iX models.
Price Range Variability
For the average driver, BMW iX insurance rates go from the cheapest price of $486 for minimum levels of liability insurance to the much higher price of $3,954 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
The examples above show why everyone should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.
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 Details
The chart below shows estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,020
- Raising to $1,000 deductibles will save about $280 a year
- The average price for a good driver age 40 using $500 deductibles is $1,822
- Buying pricier low deductibles increases the price to $2,366
- Drivers with multiple tickets or accidents could pay at least $3,954 or more
- Policy cost to insure a 16-year-old driver for full coverage can be $6,576
Insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $830 annually, whereas buying more liability protection will increase rates. Going 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
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest 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 could be paying at least $2,200 to $2,900 additional every year, depending on your age. BMW iX insurance for high-risk drivers is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on BMW iX insurance prices. A middle-age driver might find rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or at least $2,600 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.
| 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 the Cheapest BMW iX Insurance
Finding cheaper rates on insurance for a BMW iX consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a recap of the concepts that were touched on above.
- Drivers considered higher risk that have major violations or accidents may pay on average $2,130 more every year for car insurance
- Teenagers are charged the highest rates, costing up to $548 each month if full coverage is included
- Drivers can save up to $230 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- Drivers can save up to $230 per year simply by quoting online well ahead of the renewal date
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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