BMW X6 Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance prices for a BMW X6 are $1,674 every 12 months for full coverage. Comprehensive costs approximately $366, collision costs $698, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $3,640. Teens cost the most to insure at $6,162 a year or more.
Average premium for full coverage: $1,674
Policy rates by type of insurance:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all X6 models.
Price Range Variability
Using a middle-aged driver as an example, BMW X6 insurance rates go from the cheapest price of $504 for liability-only coverage to the much higher price of $3,640 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how where you live affects auto insurance prices.
The examples above show why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on averaged prices.
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.
Additional Charts and Tables
The chart below shows estimated BMW X6 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $944
- Drivers who choose higher $1,000 deductibles will pay $242 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,674
- Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $2,146
- Drivers with serious driving violations could pay around $3,640 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost $6,162 a year
Auto insurance rates for a BMW X6 also range considerably based on liability limits and deductibles, your driver profile, and the model of your X6.
Choosing higher comprehensive and collision insurance deductibles could save up to $720 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,700 in extra premium every year, depending on your age. BMW X6 insurance for high-risk drivers can cost from 44% to 133% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,390 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,512 | -$162 | -9.7% |
| Alaska | $1,284 | -$390 | -23.3% |
| Arizona | $1,390 | -$284 | -17.0% |
| Arkansas | $1,674 | -$0 | 0.0% |
| California | $1,908 | $234 | 14.0% |
| Colorado | $1,598 | -$76 | -4.5% |
| Connecticut | $1,722 | $48 | 2.9% |
| Delaware | $1,894 | $220 | 13.1% |
| Florida | $2,094 | $420 | 25.1% |
| Georgia | $1,544 | -$130 | -7.8% |
| Hawaii | $1,202 | -$472 | -28.2% |
| Idaho | $1,132 | -$542 | -32.4% |
| Illinois | $1,246 | -$428 | -25.6% |
| Indiana | $1,260 | -$414 | -24.7% |
| Iowa | $1,130 | -$544 | -32.5% |
| Kansas | $1,590 | -$84 | -5.0% |
| Kentucky | $2,284 | $610 | 36.4% |
| Louisiana | $2,478 | $804 | 48.0% |
| Maine | $1,032 | -$642 | -38.4% |
| Maryland | $1,380 | -$294 | -17.6% |
| Massachusetts | $1,338 | -$336 | -20.1% |
| Michigan | $2,908 | $1,234 | 73.7% |
| Minnesota | $1,400 | -$274 | -16.4% |
| Mississippi | $2,004 | $330 | 19.7% |
| Missouri | $1,484 | -$190 | -11.4% |
| Montana | $1,798 | $124 | 7.4% |
| Nebraska | $1,320 | -$354 | -21.1% |
| Nevada | $2,008 | $334 | 20.0% |
| New Hampshire | $1,208 | -$466 | -27.8% |
| New Jersey | $1,870 | $196 | 11.7% |
| New Mexico | $1,482 | -$192 | -11.5% |
| New York | $1,762 | $88 | 5.3% |
| North Carolina | $964 | -$710 | -42.4% |
| North Dakota | $1,372 | -$302 | -18.0% |
| Ohio | $1,156 | -$518 | -30.9% |
| Oklahoma | $1,718 | $44 | 2.6% |
| Oregon | $1,534 | -$140 | -8.4% |
| Pennsylvania | $1,598 | -$76 | -4.5% |
| Rhode Island | $2,234 | $560 | 33.5% |
| South Carolina | $1,516 | -$158 | -9.4% |
| South Dakota | $1,412 | -$262 | -15.7% |
| Tennessee | $1,464 | -$210 | -12.5% |
| Texas | $2,016 | $342 | 20.4% |
| Utah | $1,238 | -$436 | -26.0% |
| Vermont | $1,146 | -$528 | -31.5% |
| Virginia | $1,002 | -$672 | -40.1% |
| Washington | $1,292 | -$382 | -22.8% |
| West Virginia | $1,534 | -$140 | -8.4% |
| Wisconsin | $1,160 | -$514 | -30.7% |
| Wyoming | $1,492 | -$182 | -10.9% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied.
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 Shop for the Right BMW X6 Insurance
Finding cheaper rates on insurance for a BMW X6 not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a quick rundown of the coverage data touched on in the above illustrations.
- Drivers can save around $210 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- Teenage drivers have the highest car insurance rates, costing up to $514 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,970 more per year for auto 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
| Driver Age | Premium |
|---|---|
| 16 | $6,162 |
| 20 | $3,876 |
| 30 | $1,752 |
| 40 | $1,674 |
| 50 | $1,528 |
| 60 | $1,500 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,146 |
| $250 | $1,926 |
| $500 | $1,674 |
| $1,000 | $1,432 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,674 |
| 50/100 | $1,870 |
| 100/300 | $1,983 |
| 250/500 | $2,277 |
| 100 CSL | $1,916 |
| 300 CSL | $2,164 |
| 500 CSL | $2,345 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,832 |
| 20 | $6,180 |
| 30 | $3,728 |
| 40 | $3,640 |
| 50 | $3,474 |
| 60 | $3,446 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $91 |
| Multi-vehicle | $89 |
| Homeowner | $24 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $80 |
| Advance Quote | $86 |
| Online Quote | $121 |
| Total Discounts | $730 |
Discounts are estimated and may not be available from every company or in every state.
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