BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a BMW iX are $1,822 annually including full coverage. Comprehensive insurance costs an estimated $426 a year, collision costs $808, and liability costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing $3,954 or more. Teenage drivers cost the most to insure at $6,576 a year or more.
Average premium for full coverage: $1,822
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and iX trim levels.
Price Range Variability
For the normal driver, BMW iX insurance rates go from as cheap as $486 for just liability coverage to a high of $3,954 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.
The diagram below illustrates how geographic area affects insurance prices.
The examples above highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
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 breaks down estimated BMW iX insurance rates for other coverage scenarios.
- The best discount rate is $1,020
- Using higher $1,000 deductibles will save approximately $1,542 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,822
- Using low $100 deductibles for physical damage coverage costs an additional $544 annually
- High-risk insureds who are prone to accidents and violations could pay up to $3,954 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $6,576 or more
Insurance rates for a BMW iX also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $6,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $2,200 to $2,900 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $830 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on BMW iX insurance prices. A driver around age 40 might see rates as low as $1,400 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,600 on average in Louisiana, New York, 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.
| 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 the Best BMW iX Insurance
Finding cheaper rates on insurance for a BMW iX requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief recap of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $2,130 more annually than a low-risk driver
- You may be able to save approximately $230 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $825 each year
- Insureds who want more liability protection will pay an extra $470 per year to increase from a 30/60 limit to higher 250/500 limits
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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