BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive insurance costs approximately $426, collision insurance costs $808, and liability costs $430. A liability-only policy costs as little as $486 a year, and high-risk insurance costs $3,954 or more. 16-year-old drivers cost the most to insure at up to $6,576 a year.
Average premium for full coverage: $1,822
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different iX trim levels.
Price Range Variability
Using a 40-year-old driver as an example, BMW iX insurance rates range from the cheapest price of $486 for just liability coverage to a much higher rate of $3,954 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using 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.
Detailed Rate Analysis
The chart below shows average BMW iX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,020
- Drivers who choose higher $1,000 deductibles will pay $280 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,822
- Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $544 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,954
- Policy cost to insure a teen driver with full coverage can cost $6,576 a year
Car insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your driver profile, and the model of your iX.
Opting for high physical damage deductibles could save up to $830 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $2,200 to $2,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,200 a year in states like Iowa, Maine, and Idaho, or at least $2,600 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Shop for the Cheapest BMW iX Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The list below is a recap of the data that was raised in the charts and tables above.
- Drivers can save around $230 per year just by shopping early and online
- Policyholders who purchase higher liability limits will pay around $470 each year to go from a 30/60 limit to a 250/500 level
- Teenagers pay the highest auto insurance rates, costing up to $548 each month if the policy includes full coverage
- Higher risk drivers that have major violations or accidents may pay on average $2,130 more per year for car insurance
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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