BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a BMW iX are $1,822 a year for full coverage insurance. Comprehensive insurance costs around $426, collision insurance costs $808, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $3,954 or more. 16-year-old drivers pay the most at up to $6,576 a year.

Average premium for full coverage: $1,822

Premium estimates for type of coverage:

Comprehensive $426
Collision $808
Liability $430

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all iX models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a BMW iX range from as low as $486 for the bare minimum liability coverage to the much higher price of $3,954 for a high-risk driver policy.

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

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than congested cities. The example below illustrates how location helps determine auto insurance rates.

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

These rate differences illustrate why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

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Additional Rate Information

The chart below illustrates average BMW iX insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,020
  • Drivers who choose higher $1,000 deductibles will pay about $280 each year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,822
  • Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $544 annually
  • Drivers with multiple tickets or accidents could pay at least $3,954
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $6,576 a year

View Chart as Image

BMW iX insurance cost comparison chart
Column chart showing BMW iX insurance prices range from $1,020 to $6,576 for full coverage

Insurance prices for a BMW iX also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $6,500 a year. View Rates by Age

Where you choose to live makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,460 on average in Michigan, New York, and Florida.

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

Opting for high physical damage deductibles could save up to $830 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $2,200 to $2,900 additional annually, depending on your age. BMW iX insurance for high-risk drivers can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

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 Find More Affordable BMW iX Insurance

Finding better rates on insurance for a BMW iX not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a summary of the information covered in the charts and tables above.

  • It is possible to save up to $230 per year just by quoting online well ahead of the renewal date
  • Drivers age 20 and younger are charged the highest prices, with premiums being up to $548 per month including comprehensive and collision insurance
  • Increasing policy deductibles can save around $825 each year
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,130 more every year to buy BMW iX insurance
  • Insureds who may need increased levels of liability coverage will pay around $470 annually to go from 30/60 bodily injury limits to 250/500 limits

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.

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