BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a BMW iX are $1,822 annually for full coverage. Comprehensive insurance costs around $426 a year, collision insurance costs $808, and liability costs around $430. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs $3,954 or more. Teen drivers pay the most at up to $6,576 a year.
Average premium for full coverage: $1,822
Premium estimates for type of coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and iX trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW iX range from as cheap as $486 for just liability coverage to a high of $3,954 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.
These rate differences show why it is important to compare prices 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 shows average BMW iX insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,020
- Using higher $1,000 deductibles will save about $1,542 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,822
- Choosing low $100 deductibles for physical damage coverage costs an additional $544 every year
- Drivers with multiple violations and an at-fault accident could pay at least $3,954
- An auto insurance policy with full coverage for a teen driver can be $6,576 or more
Insurance prices for a BMW iX also have a wide range based on the model of your iX, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, 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 a few violations or you caused a few accidents, you could be paying at least $2,200 to $2,900 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $830 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more each 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 $1,200 a year in states like Idaho, Maine, and Iowa, or as much as $2,600 on average in Michigan, Louisiana, 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 More Affordable BMW iX Insurance
Finding better rates on car insurance requires being safe and accident-free, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.
Below you'll find a summary of the data that was covered in the charts and tables above.
- Drivers can save up to $230 per year just by quoting early and online
- Policyholders who may need more liability protection will pay about $470 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are charged the highest prices, as much as $548 per month if they have full coverage
- Higher risk drivers who have multiple accidents or major violations pay an average of $2,130 more every year than a low-risk driver
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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