BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW iX are $1,858 every 12 months including full coverage. Comprehensive insurance costs approximately $442, collision costs $842, and liability insurance costs $416. A policy with only liability insurance costs as little as $474 a year, with a high-risk policy costing $4,038 or more. Teenage drivers pay the most at $6,676 a year or more.
Average premium for full coverage: $1,858
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different iX trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a BMW iX go from the cheapest price of $474 for the bare minimum liability coverage to a much higher rate of $4,038 for high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, 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.
Additional Rate Information
The chart below breaks down estimated BMW iX insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,037
- Drivers who choose higher $1,000 deductibles will pay $290 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,858
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $566 a year
- High risk drivers who are prone to accidents and violations could pay around $4,038 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $6,676 a year
Car insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your iX.
Using high physical damage deductibles could save up to $860 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $6,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,000 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,430 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,650 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,680 | -$178 | -9.6% |
| Alaska | $1,426 | -$432 | -23.3% |
| Arizona | $1,544 | -$314 | -16.9% |
| Arkansas | $1,858 | -$0 | 0.0% |
| California | $2,118 | $260 | 14.0% |
| Colorado | $1,776 | -$82 | -4.4% |
| Connecticut | $1,912 | $54 | 2.9% |
| Delaware | $2,102 | $244 | 13.1% |
| Florida | $2,324 | $466 | 25.1% |
| Georgia | $1,716 | -$142 | -7.6% |
| Hawaii | $1,334 | -$524 | -28.2% |
| Idaho | $1,258 | -$600 | -32.3% |
| Illinois | $1,386 | -$472 | -25.4% |
| Indiana | $1,400 | -$458 | -24.7% |
| Iowa | $1,254 | -$604 | -32.5% |
| Kansas | $1,768 | -$90 | -4.8% |
| Kentucky | $2,536 | $678 | 36.5% |
| Louisiana | $2,752 | $894 | 48.1% |
| Maine | $1,146 | -$712 | -38.3% |
| Maryland | $1,534 | -$324 | -17.4% |
| Massachusetts | $1,486 | -$372 | -20.0% |
| Michigan | $3,228 | $1,370 | 73.7% |
| Minnesota | $1,556 | -$302 | -16.3% |
| Mississippi | $2,226 | $368 | 19.8% |
| Missouri | $1,650 | -$208 | -11.2% |
| Montana | $1,998 | $140 | 7.5% |
| Nebraska | $1,466 | -$392 | -21.1% |
| Nevada | $2,228 | $370 | 19.9% |
| New Hampshire | $1,340 | -$518 | -27.9% |
| New Jersey | $2,078 | $220 | 11.8% |
| New Mexico | $1,646 | -$212 | -11.4% |
| New York | $1,956 | $98 | 5.3% |
| North Carolina | $1,070 | -$788 | -42.4% |
| North Dakota | $1,522 | -$336 | -18.1% |
| Ohio | $1,284 | -$574 | -30.9% |
| Oklahoma | $1,908 | $50 | 2.7% |
| Oregon | $1,702 | -$156 | -8.4% |
| Pennsylvania | $1,774 | -$84 | -4.5% |
| Rhode Island | $2,478 | $620 | 33.4% |
| South Carolina | $1,682 | -$176 | -9.5% |
| South Dakota | $1,568 | -$290 | -15.6% |
| Tennessee | $1,628 | -$230 | -12.4% |
| Texas | $2,240 | $382 | 20.6% |
| Utah | $1,376 | -$482 | -25.9% |
| Vermont | $1,272 | -$586 | -31.5% |
| Virginia | $1,114 | -$744 | -40.0% |
| Washington | $1,436 | -$422 | -22.7% |
| West Virginia | $1,702 | -$156 | -8.4% |
| Wisconsin | $1,286 | -$572 | -30.8% |
| Wyoming | $1,656 | -$202 | -10.9% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $476 | $870 | $390 | $1,894 |
| 2023 BMW iX | $458 | $864 | $398 | $1,878 |
| 2022 BMW iX | $442 | $842 | $416 | $1,858 |
| 2021 BMW iX | $426 | $808 | $430 | $1,822 |
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 More Affordable BMW iX Insurance
Finding better rates on BMW iX insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a summary of the material that was touched on above.
- Drivers who purchase higher levels of liability will pay an extra $460 per year to go from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers pay the highest auto insurance prices, with the cost nearing $556 per month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations could be charged and average of $2,180 more per year for auto insurance
- Increasing policy deductibles could save as much as $850 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,676 |
| 20 | $4,298 |
| 30 | $1,960 |
| 40 | $1,858 |
| 50 | $1,692 |
| 60 | $1,662 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,424 |
| $250 | $2,162 |
| $500 | $1,858 |
| $1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,858 |
| 50/100 | $1,941 |
| 100/300 | $2,045 |
| 250/500 | $2,316 |
| 100 CSL | $1,983 |
| 300 CSL | $2,212 |
| 500 CSL | $2,378 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,596 |
| 20 | $6,844 |
| 30 | $4,150 |
| 40 | $4,038 |
| 50 | $3,848 |
| 60 | $3,814 |
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 | $102 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $148 |
| 5-yr Claim Free | $123 |
| Paid in Full/EFT | $93 |
| Advance Quote | $97 |
| Online Quote | $136 |
| Total Discounts | $821 |
Discounts are estimated and may not be available from every company or in every state.
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