BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW iX are $1,822 a year with full coverage. Comprehensive costs approximately $426, collision insurance costs $808, and liability insurance costs $430. Buying just liability costs as little as $486 a year, and insurance for high-risk drivers costs around $3,954. Teens receive the highest rates at up to $6,576 a year.
Average premium for full coverage: $1,822
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all iX models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $486 for basic liability insurance to the much higher price of $3,954 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.
These examples demonstrate why everyone should compare rates using their specific location and risk profile, rather than relying on 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.
Rate Comparisons
The chart below details average BMW iX insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,020
- Drivers who choose higher $1,000 deductibles will pay $280 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,822
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,366
- High risk drivers with serious driving violations could pay around $3,954
- The cost for full coverage for a teen driver for full coverage can cost $6,576 a year
Auto insurance rates for a BMW iX can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,700 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $6,500 a year. View Rates by Age
Where you live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,460 on average in New York, Michigan, 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 save up to $830 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $2,200 to $2,900 in extra premium per year, depending on your age. BMW iX insurance for high-risk drivers can cost anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates
| 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 Low Cost BMW iX Insurance
Saving money on BMW iX insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The points below are a review of the concepts that were covered in the charts and tables above.
- High-risk drivers who have several accidents or serious violations pay on average $2,130 more per year to insure a BMW iX
- Drivers under the age of 20 have the highest car insurance rates, with premiums as much as $548 per month if they have full coverage
- You may be able to save around $230 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $825 each year
- You may be able to save around $230 per year just 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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