BMW X6 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Is insurance expensive for a BMW X6? The average cost of BMW X6 insurance rates is $1,822 a year, or $151 a month. Read on to learn more about frequently asked coverage questions and what drivers can do to save on BMW X6 insurance costs.
To start comparison shopping for an affordable BMW X6 price range, use our free tool above to find BMW X6 costs.
Estimated insurance rates for a BMW X6 are $1,246 a year for full coverage insurance. Comprehensive insurance costs approximately $248, collision insurance costs $366, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,684 or more. Teenage drivers pay the most at up to $4,792 a year.
Average premium for full coverage: $1,246
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all X6 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a BMW X6 range from as low as $522 for liability-only coverage to the much higher price of $2,684 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how where you live affects auto insurance prices.
These rate differences illustrate why everyone should get quotes using their specific location and risk profile, rather than using 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 Charts and Tables
The chart below illustrates average BMW X6 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $736
- Choosing higher $1,000 deductibles can save $138 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,246
- Using pricier low deductibles for comp and collision coverage will cost an extra $270 each year
- Drivers who are prone to accidents and violations could pay around $2,684
- An auto insurance policy for full coverage for a teenage driver for full coverage can cost $4,792 each year
Auto insurance prices for a BMW X6 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,690 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $954 | -$292 | -23.4% |
| Arizona | $1,034 | -$212 | -17.0% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,422 | $176 | 14.1% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,282 | $36 | 2.9% |
| Delaware | $1,412 | $166 | 13.3% |
| Florida | $1,562 | $316 | 25.4% |
| Georgia | $1,150 | -$96 | -7.7% |
| Hawaii | $894 | -$352 | -28.3% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $928 | -$318 | -25.5% |
| Indiana | $938 | -$308 | -24.7% |
| Iowa | $842 | -$404 | -32.4% |
| Kansas | $1,186 | -$60 | -4.8% |
| Kentucky | $1,702 | $456 | 36.6% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,104 | -$142 | -11.4% |
| Montana | $1,340 | $94 | 7.5% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,104 | -$142 | -11.4% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,022 | -$224 | -18.0% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,282 | $36 | 2.9% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,192 | -$54 | -4.3% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,092 | -$154 | -12.4% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $922 | -$324 | -26.0% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $864 | -$382 | -30.7% |
| Wyoming | $1,112 | -$134 | -10.8% |
Using high physical damage deductibles can save as much as $410 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. BMW X6 insurance for high-risk drivers ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,186 | $99 |
| BMW X6 50I AWD | $1,228 | $102 |
| BMW X6 ActiveHybrid AWD | $1,280 | $107 |
| BMW X6 M AWD | $1,308 | $109 |
Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2023 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2022 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2021 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2020 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2019 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2018 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2017 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2016 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2015 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2014 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2013 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2012 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2011 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2010 BMW X6 | $226 | $298 | $468 | $1,150 |
| 2009 BMW X6 | $224 | $292 | $460 | $1,134 |
Rates are averaged for all BMW X6 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 X6 Insurance
Finding better rates on auto insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief summary of the primary concepts that were touched on in the above illustrations.
- It is possible to save around $150 per year just by quoting online well ahead of the renewal date
- Drivers that tend to have accidents or serious violations may pay on average $1,440 more per year to insure their X6
- Increasing policy deductibles can save around $400 each year
- Teen drivers have the highest car insurance prices, with premiums being up to $399 per month if they have full coverage
How much is BMW X6 insurance for you? The best way to find out is to look at BMW X6 comparison rates. Comparing average insurance costs will allow you to find X6 BMW rates that fit your budget.
To find affordable car insurance rates for a BMW X6, enter your ZIP code in our free tool below.
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What are the safety ratings of the BMW X6?
Good BMW X6 safety ratings and features can help lower insurance rates. The BMW X6 has the following safety features:
- Rearview camera
- Forward collision warning
- Automatic emergency braking
- Pedestrian detection
- Lane departure warning
- Blind-spot monitoring
- Adaptive cruise control
- Front and rear parking sensors
- Available advanced safety features:
- Night vision assist with pedestrian detection
- Evasion assist
- Stop-and-go adaptive cruise control
While the BMW X6 has some great safety features, the Insurance Institute for Highway Safety (IIHS) has yet to rate BMW X6 accidents through comprehensive crash-testing.
BMW X6 Compared Against Other Vehicles in the Same Class
The BMW X6 is a luxury car, which can have higher rates. Why? Luxury cars have more powerful engines, which can lead to more crashes. Is a BMW or Mercedes cheaper to insure? Take a look at the list of other luxury cars below to see how BMW’s rates compare to other vehicles’ rates.
Ready to find out how much does a BMW X6 cost in your area? Enter your ZIP code in our free tool to find cheap car insurance for everything from a BMW X6 4.5 to a BMW 2 Series.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,792 |
| 20 | $2,846 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,516 |
| $250 | $1,392 |
| $500 | $1,246 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,403 |
| 100/300 | $1,521 |
| 250/500 | $1,829 |
| 100 CSL | $1,450 |
| 300 CSL | $1,711 |
| 500 CSL | $1,901 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,536 |
| 30 | $2,726 |
| 40 | $2,684 |
| 50 | $2,564 |
| 60 | $2,538 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $87 |
| Total Discounts | $510 |
Discounts are estimated and may not be available from every company or in every state.
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