BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW iX are $1,822 a year including full coverage. Comprehensive insurance costs around $426, collision costs $808, and liability insurance is $430. Liability-only coverage costs around $486 a year, with high-risk coverage costing $3,954 or more. Teenage drivers receive the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all iX models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $486 for just liability coverage to the much higher price of $3,954 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below breaks down estimated BMW iX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,020
- Raising to $1,000 deductibles will save about $280 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,822
- Using pricier low deductibles will cost an extra $544 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,954 or more
- The cost for full coverage for a teen driver for full coverage can be $6,576
Car insurance rates for a BMW iX can also vary considerably based on your driver profile, the model of your iX, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $6,500 a year. View Rates by Age
Where you live also has a big influence on BMW iX insurance rates. A middle-age driver might find rates as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,600 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce rates by up to $830 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $2,200 to $2,900 extra per year, depending on your age. BMW iX insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.
| 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 Find Low Cost BMW iX Insurance
Saving money on BMW iX insurance consists of being a good driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a review of the material that was raised in the charts and tables above.
- Drivers who may need an increased level of liability coverage will pay an extra $470 per year to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, as much as $548 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations pay on average $2,130 more every year than a safer driver
- Increasing deductibles can save around $825 each year
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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