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.
The average insurance rates for a BMW X6 are $1,674 a year for full coverage. Comprehensive insurance costs around $366, collision insurance costs $698, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $3,640 or more. 16-year-old drivers cost the most to insure at up to $6,162 a year.
Average premium for full coverage: $1,674
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all X6 models.
Price Range Variability
Using a 40-year-old driver as an example, BMW X6 insurance rates range from as low as $504 for your basic liability-only policy to the much higher price of $3,640 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on rate 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.
More Rate Information
The chart below shows average BMW X6 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $944
- Choosing higher $1,000 deductibles can save about $242 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,674
- Buying pricier low deductibles for comp and collision coverage will cost an extra $472 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,640
- Policy cost for full coverage for a 16-year-old driver for full coverage can be $6,162 each year
Insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level of your X6, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age
Your home state plays a big part in determining prices for BMW X6 insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Idaho, Maine, and Iowa, or at least $2,390 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $720 annually, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 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 could be paying at least $2,000 to $2,700 additional every year, depending on your age. BMW X6 insurance for high-risk drivers ranges from 44% to 133% more than the average rate. View High Risk Driver Rates
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 Affordable BMW X6 Insurance
Finding cheaper rates on insurance for a BMW X6 takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a brief review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,970 more every year to buy BMW X6 insurance
- Drivers age 20 and younger are charged the highest rates, costing up to $514 each month including comprehensive and collision insurance
- Drivers can save up to $210 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $725 each year
- Drivers can save up to $210 per year just by quoting online well ahead of the renewal date
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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