BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a BMW iX are $1,822 annually with full coverage. Comprehensive insurance costs an estimated $426, collision insurance costs $808, and liability costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs $3,954 or more. Teens 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:

Comprehensive $426
Collision $808
Liability $430

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different iX trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a BMW iX range from as cheap as $486 for your basic liability-only policy to a much higher rate of $3,954 for a driver who has had serious violations or accidents.

Liability Only $486
Full Coverage $1,822
High Risk $3,954

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.

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

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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More Rate Information

The chart below details average BMW iX insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $1,020
  • Using higher $1,000 deductibles will save approximately $280 annually
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,822
  • Selecting more expensive low deductibles for physical damage coverage costs an additional $544 every year
  • Drivers with serious driving violations could pay up to $3,954
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $6,576 or more

View Chart as Image

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

Insurance prices for a BMW iX also have a wide range based on the model of your iX, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $2,200 to $2,900 extra annually, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $830 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit

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 $1,310 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,460 on average in New York, Michigan, 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 the Cheapest BMW iX Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting quotes from direct companies, and also from several local insurance agents.

Below is a recap of the ideas that were touched on in the above illustrations.

  • Teenage drivers are charged the highest prices, possibly costing $548 per month including comprehensive and collision insurance
  • Higher risk drivers that have major violations or accidents pay on average $2,130 more annually for auto insurance
  • Increasing policy deductibles could save up to $825 each year
  • You may be able to save approximately $230 per year just by shopping early and online

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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