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 auto insurance rates for a BMW X6 are $1,304 annually for full coverage. Comprehensive costs on average $268, collision insurance costs $400, and liability is $478. Liability-only coverage costs around $526 a year, and high-risk coverage costs around $2,808. Teenage drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,304

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $765
• Raising to $1,000 deductibles will save around $152 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,304
• Using more expensive low deductibles will cost $1,594
• Drivers who are prone to accidents and violations could pay upwards of $2,808
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $4,972

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

An older driver with no violations or accidents and high physical damage 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, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $450 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

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

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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 Buy More Affordable BMW X6 Insurance

Finding cheaper rates on insurance for a BMW X6 consists of being a good driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a summary of the primary concepts that were covered above.

• Drivers can save as much as $150 per year just by shopping early and online
• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,500 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers age 16 to 20 pay higher rates, costing up to $414 each month if they have 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.

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.