BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive costs an estimated $426, collision insurance costs $808, and liability costs around $430. A policy with only liability insurance costs as low as $486 a year, and a high-risk policy costs around $3,954. Teenage drivers pay the most at up to $6,576 a year.
Average premium for full coverage: $1,822
Premium estimates broken down by type of coverage:
Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all iX models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a BMW iX range from the cheapest price of $486 for your basic liability-only policy to the much higher price of $3,954 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.
These rate differences show why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.
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.
More Rate Information
The chart below shows average BMW iX insurance rates for other coverage scenarios.
- The best discount rate is $1,020
- Using higher $1,000 deductibles will save approximately $280 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,822
- Using pricier low deductibles for physical damage coverage increases the price to $2,366
- High-risk insureds who are prone to accidents and violations could pay up to $3,954
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $6,576 or more
Car insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles could cut prices by as much as $830 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $2,200 to $2,900 extra annually, depending on your age. BMW iX insurance for high-risk drivers can be from 44% to 135% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on BMW iX insurance prices. A driver around age 40 might see prices as low as $1,200 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,600 on average in New York, Louisiana, 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 Cheaper BMW iX Insurance
Finding better rates on insurance for a BMW iX requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates once a year by getting rate quotes from direct carriers, and also from several local insurance agents.
The following is a condensed summary of the data that was touched on in this article.
- Drivers can save approximately $230 per year just by quoting online well ahead of the renewal date
- Insureds who want higher liability limits will pay an extra $470 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Teens have the highest car insurance prices, as much as $548 per month if the policy includes full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $2,130 more annually for iX insurance
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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