BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a BMW iX are $1,822 annually for full coverage insurance. Comprehensive costs on average $426, collision insurance costs $808, and liability is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs around $3,954. Teen drivers pay the highest rates at up to $6,576 a year.

Average premium for full coverage: $1,822

Price estimates by individual coverage:

Comprehensive $426
Collision $808
Liability $430

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, 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 around age 40, BMW iX insurance prices range from as cheap 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

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The example below illustrates the difference between rural and urban areas on car insurance rates.

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

The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of using price 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.

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Additional Rate Information

The chart below illustrates average BMW iX insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $1,020
  • Raising to $1,000 deductibles will save around $280 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,822
  • Choosing pricier low deductibles will cost $2,366
  • At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,954
  • The price with full coverage for a teen driver for full coverage may cost $6,576

View Chart as Image

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

Insurance prices for a BMW iX are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $6,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $2,200 to $2,900 extra each year, depending on your age. BMW iX insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $830 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on BMW iX insurance prices. A middle-age driver might find prices as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $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
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 Buy Affordable BMW iX Insurance

Getting lower rates on car insurance consists of having a decent driving record, having a good credit history, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the information covered above.

  • It is possible to save as much as $230 per year just by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers pay the highest prices, as much as $548 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles could save up to $825 each year
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $2,130 more each year than a driver with a clean driving record
  • Policyholders who require additional liability coverage will pay about $470 annually to raise from a low limit to higher 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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