BMW X6 Insurance Rates

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.

The average insurance rates for a BMW X6 are $1,304 a year for full coverage insurance. Comprehensive costs an estimated $268, collision insurance costs $400, and liability insurance costs around $478. Liability-only insurance costs as low as $526 a year, and high-risk driver insurance costs around $2,808. Teen drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,304

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on price averages.

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

More Rate Information

The chart below illustrates average BMW X6 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $765
• Using higher $1,000 deductibles will save approximately $152 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,304
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,594
• Drivers with multiple violations and an at-fault accident could pay up to $2,808
• Policy cost that insures a teen driver with full coverage can cost as much as $4,972 or more

View Chart as Image

Auto insurance rates for a BMW X6 also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 128% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on BMW X6 insurance rates. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,760 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $450 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap BMW X6 Insurance

Finding cheaper rates on BMW X6 insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Shop around every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick review of the ideas that were illustrated above.

• Youthful drivers are the costliest to insure, possibly costing $414 each month if the policy includes full coverage
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,500 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• It is possible to save approximately $150 per year just by shopping early and online

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.

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.

• Mercedes-Benz CLA 250 Insurance Rates
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• Volvo S60 Insurance 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.