BMW IX Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Mar 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a BMW iX are $1,822 annually with full coverage. Comprehensive insurance costs around $426 a year, collision costs $808, and liability costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,954 or more. Teen drivers pay the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Price estimates for individual coverage:

Comprehensive $426
Collision $808
Liability $430

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and iX trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, BMW iX insurance prices go from as cheap as $486 for just liability coverage to a high of $3,954 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using price 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.

By clicking, you agree to our Terms of Use

Detailed Rate Analysis

The chart below details estimated BMW iX insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,020
  • Drivers who choose higher $1,000 deductibles will pay about $1,542 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,822
  • Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $544 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,954 or more
  • The price with full coverage for a teen driver can be $6,576 a year

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 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $2,200 to $2,900 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $830 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or 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

Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, and prices may be quite different between companies.

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 Buy Affordable BMW iX Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the concepts that were raised in the charts and tables above.

  • Higher risk drivers with DUI or reckless driving convictions may pay on average $2,130 more every year to insure their iX
  • Teen drivers are charged the highest prices, costing up to $548 a month if they have full coverage
  • You may be able to save up to $230 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $825 each year
  • You may be able to save up to $230 per year simply by quoting early and online

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles