BMW X6 Insurance Rates
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UPDATED: Dec 11, 2019
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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 $1,674 a year for full coverage. Comprehensive costs on average $366 a year, collision costs $698, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $3,640. Teen drivers receive the highest rates at $6,162 a year or more.
Average premium for full coverage: $1,674
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and X6 trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $3,640 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Insurance Rate Analysis
The chart below shows estimated BMW X6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $944
- Drivers who choose higher $1,000 deductibles will pay around $1,432 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,674
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,146
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,640 or more
- The cost for full coverage for a teen driver may cost $6,162 a year
for a BMW X6 can also vary considerably based on your driver profile, the trim level of your X6, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $6,100 a year. View Rates by Age
Where you live makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Idaho, Maine, and Iowa, or as much as $2,390 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $720 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,000 to $2,700 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|BMW X6 35I AWD||$1,568||$131|
|BMW X6 50I AWD||$1,640||$137|
|BMW X6 ActiveHybrid AWD||$1,734||$145|
|BMW X6 M AWD||$1,780||$148|
Rates assume 2017 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 BMW X6||$366||$698||$452||$1,674|
|2013 BMW X6||$304||$508||$464||$1,434|
|2011 BMW X6||$274||$440||$474||$1,346|
|2009 BMW X6||$248||$366||$474||$1,246|
Rates are averaged for all BMW X6 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper BMW X6 Insurance
Saving money on BMW X6 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $725 each year
- Drivers can save as much as $210 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $514 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,970 more each year for 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$129|
|5-yr Claim Free||$110|
|Paid in Full/EFT||$80|
Discounts are estimated and may not be available from every company or in every state.