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 prices for a BMW X6 are $1,304 every 12 months including full coverage. Comprehensive insurance costs around $268 each year, collision insurance costs $400, and liability is $478. A liability-only policy costs around $526 a year, and high-risk insurance costs $2,808 or more. Teenage drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,304

Policy rates for type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and X6 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down average BMW X6 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $765
• Raising to $1,000 deductibles will save about $152 every year
• The average price for a good driver age 40 using $500 deductibles is $1,304
• Using low deductibles costs an extra $290 annually
• Drivers who are prone to accidents and violations could pay at least $2,808
• Policy cost to insure a 16-year-old driver can be $4,972

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $450 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 128% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on BMW X6 insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,860 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for More Affordable BMW X6 Insurance

Finding cheaper rates on insurance for a BMW X6 consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a summary of the material that was touched on in the above illustrations.

• Insureds who may need more liability coverage will pay an extra $530 per year to raise from a 30/60 limit to a 250/500 level
• Teen drivers are the costliest to insure, with premiums being up to $414 each month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,500 more every year to insure their X6
• Increasing comprehensive and collision deductibles could save as much as $450 each year

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
• Tesla Model 3 Insurance Rates
• 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.