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 with full coverage. Comprehensive insurance costs around $426 a year, collision costs $808, and liability costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,954 or more. Teen drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and iX trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices go from as cheap as $486 for just liability coverage to a high of $3,954 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why it is important to compare rates for a specific zip code 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.
Detailed Rate Analysis
The chart below details estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,020
- Drivers who choose higher $1,000 deductibles will pay about $1,542 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,822
- Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $544 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,954 or more
- The price with full coverage for a teen driver can be $6,576 a year
Insurance prices for a BMW iX are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $2,200 to $2,900 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $830 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,460 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, and prices may be quite different 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 Affordable BMW iX Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a brief review of the concepts that were raised in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $2,130 more every year to insure their iX
- Teen drivers are charged the highest prices, costing up to $548 a month if they have full coverage
- You may be able to save up to $230 per year simply by quoting early and online
- 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 early and online
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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