BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a BMW iX are $1,822 a year including full coverage. Comprehensive costs around $426, collision costs $808, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing around $3,954. Teen drivers cost the most to insure at $6,576 a year or more.

Average premium for full coverage: $1,822

Policy rates for type of insurance:

Comprehensive $426
Collision $808
Liability $430

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different iX trim levels.

Price Range Variability

For a driver around age 40, BMW iX insurance rates go from the low end price of $486 for basic liability insurance to a much higher rate of $3,954 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

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

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code, instead of using price averages.

Use the form below to get customized rates for your location.

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Rate Comparisons

The chart below breaks down estimated BMW iX insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,020
  • Choosing higher $1,000 deductibles can save about $280 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,822
  • Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $2,366
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,954 or more
  • Policy cost that insures a teen driver with full coverage can be $6,576 each year

View Chart as Image

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

Insurance rates for a BMW iX also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $2,200 to $2,900 additional every year, depending on your age. High-risk driver insurance ranges as much as 44% to 135% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,500 a year. View Rates by Age

Your home state plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 could pay as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,600 on average in Michigan, New York, and Louisiana.

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

Choosing high deductibles can save as much as $830 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied.

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 Find Cheap BMW iX Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a brief summary of the information covered above.

  • You may be able to save up to $230 per year simply by shopping early and online
  • Teen drivers are charged the highest rates, with premiums being up to $548 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles can save approximately $825 each year
  • Higher risk drivers that tend to have accidents or serious violations may have to pay on average $2,130 more every year to insure their iX
  • Policyholders who may need more liability coverage will pay about $470 per year to raise limits from a 30/60 limit to the 250/500 level

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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