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.

Average insurance rates for a BMW X6 are $1,304 a year including full coverage. Comprehensive insurance costs approximately $268 a year, collision costs $400, and liability insurance costs around $478. A liability-only policy costs as low as $526 a year, with high-risk insurance costing $2,808 or more. Teens receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,304

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and X6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare prices using their specific location, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated BMW X6 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $765
• Using higher $1,000 deductibles will save $1,152 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,304
• Selecting low $100 deductibles for physical damage coverage will cost an additional $290 a year
• Drivers with serious driving violations could pay around $2,808 or more
• The cost that insures a teen driver can cost $4,972 or more

View Chart as Image

Insurance rates for a BMW X6 can also vary considerably based on the trim level of your X6, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live has a huge impact on BMW X6 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,860 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly different.

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 Right BMW X6 Insurance

Saving money on BMW X6 insurance requires being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a quick rundown of the information raised in the charts and tables above.

• You may be able to save around $150 per year simply by quoting early and online
• Teen drivers are expensive to insure, as much as $414 per month if full coverage is included
• Increasing deductibles can save approximately $450 each year
• High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,500 more per year to insure their X6
• Drivers who purchase more liability coverage will pay approximately $530 per year to increase from a minimum limit to the 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.