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 prices for a BMW X6 are $1,304 every 12 months for full coverage. Comprehensive insurance costs approximately $268 a year, collision costs $400, and liability insurance is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing $2,808 or more. Teenage drivers receive the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,304

Rate estimates by individual coverage type:

Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and X6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why it is important to get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below shows estimated BMW X6 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $765
• Choosing higher $1,000 deductibles can save $1,152 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,304
• Using low $100 deductibles for comp and collision coverage costs an extra $290 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,808 or more
• The cost to insure a teen driver can cost $4,972 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $450 each year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,860 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

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 Shop for the Cheapest BMW X6 Insurance

Saving money on BMW X6 insurance takes being a good driver, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the primary concepts that were covered above.

• Drivers can save around $150 per year simply by quoting early and online
• High-risk drivers that have major violations or accidents may pay on average $1,500 more per year than a safer driver
• Increasing deductibles could save as much as $450 each year
• Drivers age 16 to 20 are expensive to insure, costing as high as $414 per month if they have full coverage

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.