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.

Estimated insurance rates for a BMW X6 are $1,304 a year for full coverage insurance. Comprehensive insurance costs on average $268 each year, collision costs $400, and liability costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance costing $2,808 or more. Teen drivers pay the most at $4,972 a year or more.

Average premium for full coverage: $1,304

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and X6 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $765
• Drivers who choose higher $1,000 deductibles will pay around $152 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,304
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $290 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,808 or more
• An auto insurance policy for full coverage for a teen driver may cost $4,972 a year

View Chart as Image

Auto insurance prices for a BMW X6 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,760 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $450 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 128% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, and quoted prices will be substantially different 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 the Best BMW X6 Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief recap of the material that was raised in the charts and tables above.

• Policyholders who require more liability coverage will pay about $530 annually to go from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are charged the highest prices, with premiums being up to $414 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay an average of $1,500 more each year to insure their X6
• Increasing policy deductibles can save around $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.