BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW iX are $1,858 a year for full coverage insurance. Comprehensive costs an estimated $442, collision costs $842, and liability insurance costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $4,038. 16-year-old drivers pay the highest rates at $6,676 a year or more.
Average premium for full coverage: $1,858
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all iX models.
Price Range from Low to High
For a driver in their 40's, BMW iX insurance prices go from as low as $474 for the bare minimum liability coverage to the much higher price of $4,038 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.
The example below illustrates how location helps determine insurance prices.
The ranges above illustrate why everyone should compare rates for a targeted area and risk profile, rather than relying 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 Information
The chart below illustrates estimated BMW iX insurance rates for other coverage scenarios.
- The best full coverage rate is $1,037
- Drivers who choose higher $1,000 deductibles will pay approximately $290 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,858
- Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,424
- High risk drivers with multiple tickets or accidents could pay up to $4,038 or more
- The price for full coverage for a teen driver for full coverage can cost as much as $6,676 a year
Insurance prices for a BMW iX are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $6,600 a year. View Rates by Age
The state you live in makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,210 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,510 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,680 | -$178 | -9.6% |
| Alaska | $1,426 | -$432 | -23.3% |
| Arizona | $1,544 | -$314 | -16.9% |
| Arkansas | $1,858 | -$0 | 0.0% |
| California | $2,118 | $260 | 14.0% |
| Colorado | $1,776 | -$82 | -4.4% |
| Connecticut | $1,912 | $54 | 2.9% |
| Delaware | $2,102 | $244 | 13.1% |
| Florida | $2,324 | $466 | 25.1% |
| Georgia | $1,716 | -$142 | -7.6% |
| Hawaii | $1,334 | -$524 | -28.2% |
| Idaho | $1,258 | -$600 | -32.3% |
| Illinois | $1,386 | -$472 | -25.4% |
| Indiana | $1,400 | -$458 | -24.7% |
| Iowa | $1,254 | -$604 | -32.5% |
| Kansas | $1,768 | -$90 | -4.8% |
| Kentucky | $2,536 | $678 | 36.5% |
| Louisiana | $2,752 | $894 | 48.1% |
| Maine | $1,146 | -$712 | -38.3% |
| Maryland | $1,534 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$372 | -20.0% |
| Michigan | $3,228 | $1,370 | 73.7% |
| Minnesota | $1,556 | -$302 | -16.3% |
| Mississippi | $2,226 | $368 | 19.8% |
| Missouri | $1,650 | -$208 | -11.2% |
| Montana | $1,998 | $140 | 7.5% |
| Nebraska | $1,466 | -$392 | -21.1% |
| Nevada | $2,228 | $370 | 19.9% |
| New Hampshire | $1,340 | -$518 | -27.9% |
| New Jersey | $2,078 | $220 | 11.8% |
| New Mexico | $1,646 | -$212 | -11.4% |
| New York | $1,956 | $98 | 5.3% |
| North Carolina | $1,070 | -$788 | -42.4% |
| North Dakota | $1,522 | -$336 | -18.1% |
| Ohio | $1,284 | -$574 | -30.9% |
| Oklahoma | $1,908 | $50 | 2.7% |
| Oregon | $1,702 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$84 | -4.5% |
| Rhode Island | $2,478 | $620 | 33.4% |
| South Carolina | $1,682 | -$176 | -9.5% |
| South Dakota | $1,568 | -$290 | -15.6% |
| Tennessee | $1,628 | -$230 | -12.4% |
| Texas | $2,240 | $382 | 20.6% |
| Utah | $1,376 | -$482 | -25.9% |
| Vermont | $1,272 | -$586 | -31.5% |
| Virginia | $1,114 | -$744 | -40.0% |
| Washington | $1,436 | -$422 | -22.7% |
| West Virginia | $1,702 | -$156 | -8.4% |
| Wisconsin | $1,286 | -$572 | -30.8% |
| Wyoming | $1,656 | -$202 | -10.9% |
Opting for high physical damage deductibles could save up to $860 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $2,200 to $3,000 additional each year, depending on your age. BMW iX insurance for high-risk drivers can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $476 | $870 | $390 | $1,894 |
| 2023 BMW iX | $458 | $864 | $398 | $1,878 |
| 2022 BMW iX | $442 | $842 | $416 | $1,858 |
| 2021 BMW iX | $426 | $808 | $430 | $1,822 |
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 BMW iX insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a brief review of the data covered in the charts and tables above.
- Drivers who want additional liability coverage will pay around $460 annually to go from a low limit to 250/500 limits
- It is possible to save approximately $230 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $850 each year
- 16 to 18-year-old drivers are expensive to insure, as much as $556 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,298 |
| 30 | $1,960 |
| 40 | $1,858 |
| 50 | $1,692 |
| 60 | $1,662 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,424 |
| $250 | $2,162 |
| $500 | $1,858 |
| $1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,858 |
| 50/100 | $1,941 |
| 100/300 | $2,045 |
| 250/500 | $2,316 |
| 100 CSL | $1,983 |
| 300 CSL | $2,212 |
| 500 CSL | $2,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,596 |
| 20 | $6,844 |
| 30 | $4,150 |
| 40 | $4,038 |
| 50 | $3,848 |
| 60 | $3,814 |
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 | $102 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $123 |
| Paid in Full/EFT | $93 |
| Advance Quote | $97 |
| Online Quote | $136 |
| Total Discounts | $821 |
Discounts are estimated and may not be available from every company or in every state.
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