BMW X6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $366
Collision $698
Liability $452

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.

Liability Only $504
Full Coverage $1,674
High Risk $3,640

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.

Rural Areas $1,256
Small Cities $1,758
Large Cities $2,260

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

View Chart as Image

BMW X6 insurance cost comparison chart
Column chart showing BMW X6 insurance prices range from $944 to $6,162 for full coverage

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.

BMW X6 Insurance Rates by State
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%

View Chart as Image

BMW X6 insurance rates by U.S. city

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

BMW X6 Insurance Rates by Model and Trim Level
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.

BMW X6 Insurance Rates by Model Year
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.

Rates by Driver Age

BMW X6 Insurance 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

BMW X6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,146
$250 $1,926
$500 $1,674
$1,000 $1,432

Full coverage, driver age 40

Rates by Liability Limit

BMW X6 Insurance Rates with Different Liability Limits
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

BMW X6 Insurance 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.

SR-22 Surcharge $239

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
Rate after discounts $944

Discounts are estimated and may not be available from every company or in every state.

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