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 with full coverage. Comprehensive insurance costs on average $268 a year, collision costs $400, and liability coverage costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing $2,808 or more. 16-year-old drivers cost the most to insure at $4,972 a year or more.

Average premium for full coverage: $1,304

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location and risk profile, rather than using rate averages.

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

Additional Rate Details

The chart below details estimated BMW X6 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $765
• Drivers who choose higher $1,000 deductibles will pay around $1,152 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,304
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $290 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,808 or more
• Policy cost for full coverage for a teenage driver may cost $4,972 a year

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

Your home state makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,760 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $450 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, and rates will be varied from one company to the next.

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 Low Cost BMW X6 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a review of the information covered above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Drivers age 20 and younger pay higher rates, as much as $414 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers who have several accidents or serious violations may be required to pay an average of $1,500 more each year to buy BMW X6 insurance
• Consumers who require increased levels of liability coverage will pay around $530 every year to go from a 30/60 limit to 250/500 limits

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.