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.

U.S. average insurance prices for a BMW X6 are $1,304 every 12 months for full coverage insurance. Comprehensive costs on average $268, collision insurance costs $400, and liability is estimated at $478. Buying just liability costs approximately $526 a year, and insurance for high-risk drivers costs around $2,808. Teenage drivers pay the highest rates at up to $4,972 a year.

Average premium for full coverage: $1,304

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different X6 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location 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.

Additional Rate Information

The chart below illustrates average BMW X6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $765
• Choosing higher $1,000 deductibles can save around $152 each year
• The average price for the average middle-age driver with $500 deductibles is $1,304
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,594
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,808
• The price to insure a 16-year-old driver with full coverage may cost $4,972 each year

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Insurance prices for a BMW X6 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your X6.

Using high physical damage deductibles can save as much as $450 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for BMW X6 insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,760 on average in Michigan, New York, and Florida.

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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 the Best Cheap BMW X6 Insurance

Getting lower rates on insurance for a BMW X6 takes being a good driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick review of the information illustrated above.

• It is possible to save as much as $150 per year just by shopping early and online
• Drivers age 16 to 20 pay higher prices, as much as $414 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $450 each year
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,500 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay an extra $530 annually to raise limits from a low limit to a 250/500 level

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.