BMW X6 Insurance Rates
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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.
Average insurance rates for a BMW X6 are $1,246 a year for full coverage. Comprehensive costs an estimated $248, collision costs $366, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,684. 16-year-old drivers receive the highest rates at $4,792 a year or more.
Average premium for full coverage: $1,246
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all X6 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $522 for minimum levels of liability insurance to the much higher price of $2,684 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities.
The example below illustrates how where you live affects insurance prices.
These examples show why everyone should compare rates for a targeted area, instead of using rate averages.
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 Details
The chart below shows estimated BMW X6 insurance rates for other coverage scenarios.
- The best full coverage rate is $736
- Drivers who choose higher $1,000 deductibles will pay approximately $138 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,246
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,516
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,684 or more
- The cost that insures a teen driver for full coverage can cost as much as $4,792 a year
Auto insurance rates for a BMW X6 can also vary considerably based on the model of your X6, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. BMW X6 insurance for high-risk drivers can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age
Where you live makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,780 on average in New York, Louisiana, 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% |
Opting for high physical damage deductibles could save up to $410 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates can be significantly different.
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 More Affordable BMW X6 Insurance
Saving money on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a summary of the data touched on in the above illustrations.
- Policyholders who want more liability protection will pay around $520 each year to go from a minimum limit to the 250/500 level
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $400 each year
- Youthful drivers are the costliest to insure, costing as high as $399 per month if the policy includes 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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