BMW X6 Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Estimated auto insurance rates for a BMW X6 are $1,624 annually including full coverage. Comprehensive insurance costs on average $352 each year, collision costs $658, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $3,526 or more. Teenage drivers pay the most at $6,002 a year or more.
Average premium for full coverage: $1,624
Premium estimates by type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and X6 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a BMW X6 go from as cheap as $508 for basic liability insurance to a high rate of $3,526 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
These rate differences highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using average rates.
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.
Rate Comparisons
The chart below breaks down estimated BMW X6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $920
- Drivers who choose higher $1,000 deductibles will pay around $230 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,624
- Using low deductibles for comprehensive and collision insurance costs an additional $446 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,526 or more
- An auto insurance policy with full coverage for a teenage driver may cost $6,002 a year
Insurance prices for a BMW X6 also have a wide range based on the model of your X6, your driving characteristics, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $6,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $680 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,320 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,468 | -$156 | -9.6% |
| Alaska | $1,246 | -$378 | -23.3% |
| Arizona | $1,348 | -$276 | -17.0% |
| Arkansas | $1,624 | -$0 | 0.0% |
| California | $1,850 | $226 | 13.9% |
| Colorado | $1,552 | -$72 | -4.4% |
| Connecticut | $1,670 | $46 | 2.8% |
| Delaware | $1,838 | $214 | 13.2% |
| Florida | $2,032 | $408 | 25.1% |
| Georgia | $1,498 | -$126 | -7.8% |
| Hawaii | $1,166 | -$458 | -28.2% |
| Idaho | $1,098 | -$526 | -32.4% |
| Illinois | $1,210 | -$414 | -25.5% |
| Indiana | $1,222 | -$402 | -24.8% |
| Iowa | $1,096 | -$528 | -32.5% |
| Kansas | $1,542 | -$82 | -5.0% |
| Kentucky | $2,214 | $590 | 36.3% |
| Louisiana | $2,402 | $778 | 47.9% |
| Maine | $1,002 | -$622 | -38.3% |
| Maryland | $1,338 | -$286 | -17.6% |
| Massachusetts | $1,298 | -$326 | -20.1% |
| Michigan | $2,820 | $1,196 | 73.6% |
| Minnesota | $1,358 | -$266 | -16.4% |
| Mississippi | $1,944 | $320 | 19.7% |
| Missouri | $1,440 | -$184 | -11.3% |
| Montana | $1,744 | $120 | 7.4% |
| Nebraska | $1,278 | -$346 | -21.3% |
| Nevada | $1,946 | $322 | 19.8% |
| New Hampshire | $1,170 | -$454 | -28.0% |
| New Jersey | $1,812 | $188 | 11.6% |
| New Mexico | $1,438 | -$186 | -11.5% |
| New York | $1,710 | $86 | 5.3% |
| North Carolina | $934 | -$690 | -42.5% |
| North Dakota | $1,328 | -$296 | -18.2% |
| Ohio | $1,120 | -$504 | -31.0% |
| Oklahoma | $1,666 | $42 | 2.6% |
| Oregon | $1,486 | -$138 | -8.5% |
| Pennsylvania | $1,548 | -$76 | -4.7% |
| Rhode Island | $2,164 | $540 | 33.3% |
| South Carolina | $1,470 | -$154 | -9.5% |
| South Dakota | $1,368 | -$256 | -15.8% |
| Tennessee | $1,422 | -$202 | -12.4% |
| Texas | $1,956 | $332 | 20.4% |
| Utah | $1,202 | -$422 | -26.0% |
| Vermont | $1,112 | -$512 | -31.5% |
| Virginia | $972 | -$652 | -40.1% |
| Washington | $1,256 | -$368 | -22.7% |
| West Virginia | $1,486 | -$138 | -8.5% |
| Wisconsin | $1,126 | -$498 | -30.7% |
| Wyoming | $1,446 | -$178 | -11.0% |
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,522 | $127 |
| BMW X6 50I AWD | $1,590 | $133 |
| BMW X6 ActiveHybrid AWD | $1,680 | $140 |
| BMW X6 M AWD | $1,724 | $144 |
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 | $352 | $658 | $456 | $1,624 |
| 2013 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2011 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2009 BMW X6 | $234 | $332 | $474 | $1,198 |
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 Buy Cheaper BMW X6 Insurance
Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every year by quoting rates from direct car insurance companies, and also from several local insurance agents.
Below is a condensed summary of the coverage data touched on in the above illustrations.
- You may be able to save as much as $200 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $675 each year
- Teenage drivers pay higher prices, with the cost nearing $500 per month if they have full coverage
- Drivers with multiple at-fault accidents pay on average $1,900 more each year for auto insurance
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 | $6,002 |
| 20 | $3,754 |
| 30 | $1,696 |
| 40 | $1,624 |
| 50 | $1,482 |
| 60 | $1,454 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,070 |
| $250 | $1,862 |
| $500 | $1,624 |
| $1,000 | $1,394 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,624 |
| 50/100 | $1,815 |
| 100/300 | $1,929 |
| 250/500 | $2,226 |
| 100 CSL | $1,861 |
| 300 CSL | $2,112 |
| 500 CSL | $2,294 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,596 |
| 20 | $5,984 |
| 30 | $3,608 |
| 40 | $3,526 |
| 50 | $3,368 |
| 60 | $3,338 |
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 | $88 |
| Multi-vehicle | $86 |
| Homeowner | $24 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $77 |
| Advance Quote | $82 |
| Online Quote | $117 |
| Total Discounts | $704 |
Discounts are estimated and may not be available from every company or in every state.
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