BMW IX Insurance Rates
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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 insurance. Comprehensive insurance costs approximately $426 a year, collision insurance costs $808, and liability costs around $430. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers 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:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and 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 a discount liability-only rate to a high of $3,954 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above illustrate why it is important to compare prices using their specific location and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates average BMW iX insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,020
- Using higher $1,000 deductibles will save $1,542 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,822
- Buying low $100 deductibles for physical damage coverage costs an extra $544 annually
- High-risk insureds with multiple tickets or accidents could pay around $3,954
- Policy cost to insure a 16-year-old driver can cost $6,576 or more
Insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your risk profile, and the model of your iX.
Opting for high physical damage deductibles could cut rates by as much as $830 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay 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 are probably paying anywhere from $2,200 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on BMW iX insurance prices. A driver around age 40 might see rates as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,460 on average in Florida, 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% |
| 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 More Affordable BMW iX Insurance
Finding cheaper rates on insurance for a BMW iX requires being safe and accident-free, having good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct insurance companies, and also from local insurance agencies.
Below you'll find a summary of the coverage data raised in the charts and tables above.
- It is possible to save around $230 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- Youthful drivers are expensive to insure, possibly costing $548 each month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $2,130 more per year than a low-risk driver
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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