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.

The average insurance rates for a BMW X6 are $1,624 a year with full coverage. Comprehensive costs on average $352, collision costs $658, and liability coverage is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing around $3,526. Teenage drivers cost the most to insure at $6,002 a year or more.

Average premium for full coverage: $1,624

Policy rates by type of insurance:

These estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Details

The chart below details estimated BMW X6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $920
• Raising to $1,000 deductibles will save around $230 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,624
• Using more expensive low deductibles will increase the cost to $2,070
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,526 or more
• Policy cost for full coverage for a teenage driver with full coverage may cost $6,002

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $6,000 a year. View Rates by Age

Your home state also has a big influence on BMW X6 insurance rates. A middle-age driver might find rates as low as $1,170 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,190 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $680 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap BMW X6 Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to compare rates every couple of years by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

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

• Consumers who require increased levels of liability coverage will pay an extra $500 every year to raise from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger pay the highest rates, as much as $500 each month for full coverage
• Drivers that tend to have accidents or serious violations may be required to pay an average of $1,900 more each year to buy BMW X6 insurance
• Increasing comprehensive and collision deductibles can save around $675 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.