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 on average $426, collision costs $808, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $3,954. Teens pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different iX trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices go from the low end price of $486 for a discount liability-only rate to a much higher rate of $3,954 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using averaged prices.
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 illustrates estimated BMW iX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,020
- Using higher $1,000 deductibles will save around $280 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,822
- Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $2,366
- Higher-risk drivers with serious driving violations could pay upwards of $3,954 or more
- The price that insures a teenage driver with full coverage may cost $6,576 or more
Auto insurance prices for a BMW iX are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $2,200 to $2,900 in extra premium each year, depending on your age. High-risk driver insurance can be around 44% to 135% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,700 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $6,500 a year. View Rates by Age
The state you live in has a huge impact on BMW iX insurance rates. A driver around age 40 might see prices as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $830 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite different.
| 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
Getting lower rates on auto insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare rates at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a summary of the data raised in the charts and tables above.
- Consumers who require additional liability coverage will pay approximately $470 annually to increase from a low limit to the 250/500 level
- It is possible to save as much as $230 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $825 each year
- 16 to 18-year-old drivers are charged the highest prices, as much as $548 a month if the policy includes full coverage
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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