BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW iX are $1,822 annually with full coverage. Comprehensive costs on average $426, collision insurance costs $808, and liability is estimated at $430. Buying just liability costs approximately $486 a year, and insurance for high-risk drivers costs around $3,954. Teen drivers receive the highest rates at up to $6,576 a year.
Average premium for full coverage: $1,822
Rate estimates by individual coverage type:
These estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different iX trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $486 for liability-only coverage to a much higher rate of $3,954 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should get 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.
Additional Charts and Tables
The chart below details average BMW iX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,020
- Choosing higher $1,000 deductibles can save around $280 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,822
- Choosing more expensive low deductibles for comp and collision coverage will cost $2,366
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,954
- The cost with full coverage for a teen driver with full coverage may cost $6,576 each year
Auto insurance rates for a BMW iX can also vary considerably based on the trim level of your iX, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $6,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $2,200 to $2,900 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $830 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 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% |
| 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 Cheap BMW iX Insurance
Saving money on car insurance takes not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief summary of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers that tend to have accidents or serious violations pay an average of $2,130 more each year for iX insurance
- You may be able to save as much as $230 per year just by shopping early and online
- Increasing deductibles could save up to $825 each year
- Policyholders who require higher liability limits will pay about $470 every year to raise limits from a minimum 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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