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 including full coverage. Comprehensive costs around $426 each year, collision costs $808, and liability is $430. Liability-only insurance costs around $486 a year, with high-risk driver insurance costing around $3,954. 16-year-old drivers pay the highest rates at $6,576 a year or more.

Average premium for full coverage: $1,822

Price estimates for individual coverage:

Comprehensive $426
Collision $808
Liability $430

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and iX models.

Price Range from Low to High

For a 40-year-old driver, BMW iX insurance prices go from as cheap as $486 for just liability coverage to a high rate of $3,954 for a driver who requires high-risk insurance.

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 the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

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

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

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Detailed Rate Analysis

The chart below breaks down estimated BMW iX insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,020
  • Raising to $1,000 deductibles will save about $280 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,822
  • Buying low deductibles will cost $2,366
  • At-risk drivers with multiple tickets or accidents could pay at least $3,954 or more
  • The price with full coverage for a teen driver can be $6,576

View Chart as Image

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

Car insurance prices for a BMW iX are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations 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 will be charged as much as $6,500 a year. View Rates by Age

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

Opting for high physical damage deductibles can reduce prices by up to $830 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. 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 $1,400 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,600 on average in Michigan, New York, and Louisiana.

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

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.

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 being a safe and courteous driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the concepts that were illustrated above.

  • Higher risk drivers with DUI or reckless driving convictions may pay on average $2,130 more every year for auto insurance
  • Teenage drivers are the costliest to insure, possibly costing $548 a month if comprehensive and collision insurance is included
  • You may be able to save up to $230 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $825 each year
  • You may be able to save up to $230 per year simply by quoting online in advance

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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