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 auto insurance rates for a BMW X6 are $1,246 annually for full coverage insurance. Comprehensive insurance costs on average $248 a year, collision insurance costs $366, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,684 or more. 16-year-old drivers pay the highest rates at up to $4,792 a year.

Average premium for full coverage: $1,246

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and X6 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have fewer physical damage claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $736
• Using higher $1,000 deductibles will save around $1,108 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,246
• Buying low $100 deductibles for physical damage coverage costs an additional $270 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,684
• The price with full coverage for a teenage driver may cost $4,792 or more

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $410 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on BMW X6 insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,690 on average in Michigan, New York, and Florida.

View Chart as Image

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

Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates every time your policy renews by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a summary of the information covered in the above illustrations.

• It is possible to save as much as $150 per year just by quoting early and online
• Teenage drivers pay the highest prices, as much as $399 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $400 each year
• Drivers who have multiple accidents or major violations may pay on average $1,440 more each year for auto insurance
• Consumers who require higher levels of liability will pay around $520 annually to increase from a low limit to higher 250/500 limits

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.