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.

Average insurance rates for a BMW X6 are $1,246 a year including full coverage. Comprehensive insurance costs on average $248 each year, collision insurance costs $366, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,684 or more. Teenage drivers receive the highest rates at up to $4,792 a year.

Average premium for full coverage: $1,246

Rate estimates by individual coverage type:

These estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and X6 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down average BMW X6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $736
• Using higher $1,000 deductibles will save around $138 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,246
• Using low deductibles for physical damage coverage will cost an extra $270 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,684
• The cost for full coverage for a teen driver may cost $4,792 or more

View Chart as Image

Insurance rates for a BMW X6 can also vary considerably based on your driver profile, the model of your X6, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on BMW X6 insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $410 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

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 Find Cheap BMW X6 Insurance

Saving money on car insurance requires having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a brief summary of the material that was covered in the above illustrations.

• Policyholders who require increased levels of liability coverage will pay an extra $520 per year to increase from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay higher rates, as much as $399 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,440 more each year to buy BMW X6 insurance
• Increasing deductibles can save around $400 each year

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.