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 insurance rates for a BMW X6 are $1,246 a year with full coverage. Comprehensive insurance costs approximately $248, collision costs $366, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,684 or more. Teen drivers cost the most to insure at $4,792 a year or more.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $736
• Drivers who choose higher $1,000 deductibles will pay $138 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,246
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $270 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,684 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,792 a year

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $410 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost around 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, and rates will be varied 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 Low Cost BMW X6 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a review of the primary concepts that were covered in the above illustrations.

• You may be able to save around $150 per year simply by shopping early and online
• Drivers who have several accidents or serious violations pay on average $1,440 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $399 each month including comprehensive and collision insurance

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.