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 $1,246 annually for full coverage. Comprehensive costs around $248 each year, collision costs $366, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,684. Teenage drivers cost the most to insure at $4,792 a year or more.

Average premium for full coverage: $1,246

Policy rates for type of insurance:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and X6 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below shows estimated BMW X6 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $736
• Raising to $1,000 deductibles will save about $138 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,246
• Using low deductibles will cost $1,516
• At-risk drivers who are prone to accidents and violations could pay at least $2,684 or more
• Policy cost with full coverage for a teen driver can be $4,792

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little 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 will have to pay as much as $4,700 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 least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $410 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 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 $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

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Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Affordable BMW X6 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief review of the ideas that were touched on in this article.

• Teen drivers are expensive to insure, costing up to $399 each month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,440 more every year to insure their X6
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers can save up to $150 per year simply by quoting online in advance

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.