BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance prices for a BMW iX are $1,822 every 12 months for full coverage. Comprehensive costs on average $426 a year, collision costs $808, and liability insurance costs around $430. Liability-only insurance costs as low as $486 a year, with high-risk driver insurance costing around $3,954. Teens cost the most to insure at $6,576 a year or more.
Average premium for full coverage: $1,822
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and iX trim levels.
Price Range Variability
Using a 40-year-old driver as an example, BMW iX insurance rates go from the cheapest price of $486 for just liability coverage to a high of $3,954 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects car insurance rates.
The examples above show why it is important to compare prices based on a specific location and their own driving history, rather than relying on averaged prices.
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 estimated BMW iX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,020
- Using higher $1,000 deductibles will save around $1,542 a year
- The average price for a good driver age 40 with $500 deductibles is $1,822
- Selecting low $100 deductibles for physical damage coverage increases the price to $2,366
- Drivers with serious driving violations could pay upwards of $3,954 or more
- Policy cost to insure a teen driver may cost $6,576 or more
Auto insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your iX.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $830 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,200 to $2,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on BMW iX insurance rates. A driver around age 40 might see rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or have to pay at least $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% |
Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied.
| 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 the Best BMW iX Insurance
Finding cheaper rates on BMW iX insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by quoting rates from direct carriers, and also from local independent and exclusive agents.
Below is a brief recap of the concepts that were raised in the charts and tables above.
- High-risk drivers who tend to receive serious violations pay an average of $2,130 more each year for auto insurance
- Teenage drivers are charged the highest rates, costing up to $548 each month if comprehensive and collision insurance is included
- Drivers can save as much as $230 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- Drivers can save as much as $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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