BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a BMW iX are $1,858 a year with full coverage. Comprehensive costs around $442 each year, collision costs $842, and liability costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing around $4,038. Teens pay the most at $6,676 a year or more.

Average premium for full coverage: $1,858

Premium estimates for type of coverage:

Comprehensive $442
Collision $842
Liability $416

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and iX models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a BMW iX go from the low end price of $474 for a discount liability-only rate to a high rate of $4,038 for high-risk insurance.

Liability Only $474
Full Coverage $1,858
High Risk $4,038

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,394
Small Cities $1,951
Large Cities $2,508

These rate differences demonstrate why all drivers should compare prices for a specific zip code, instead of using averaged prices.

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.

Rates by State, City, and Model

The chart below details estimated BMW iX insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,037
  • Using higher $1,000 deductibles will save about $290 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,858
  • Selecting low deductibles for physical damage coverage bumps up the cost to $2,424
  • Drivers with serious driving violations could pay at least $4,038 or more
  • An auto insurance policy that insures a teen driver can be $6,676 or more

View Chart as Image

BMW iX insurance cost comparison chart
Column chart showing full coverage BMW iX insurance rates range from $1,037 to $6,676

Insurance prices for a BMW iX also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $2,200 to $3,000 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $6,600 a year. View Rates by Age

Where you choose to live has a huge impact on BMW iX insurance prices. A driver around age 40 might see prices as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,510 on average in Florida, Michigan, and New York.

BMW iX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,680 -$178 -9.6%
Alaska $1,426 -$432 -23.3%
Arizona $1,544 -$314 -16.9%
Arkansas $1,858 -$0 0.0%
California $2,118 $260 14.0%
Colorado $1,776 -$82 -4.4%
Connecticut $1,912 $54 2.9%
Delaware $2,102 $244 13.1%
Florida $2,324 $466 25.1%
Georgia $1,716 -$142 -7.6%
Hawaii $1,334 -$524 -28.2%
Idaho $1,258 -$600 -32.3%
Illinois $1,386 -$472 -25.4%
Indiana $1,400 -$458 -24.7%
Iowa $1,254 -$604 -32.5%
Kansas $1,768 -$90 -4.8%
Kentucky $2,536 $678 36.5%
Louisiana $2,752 $894 48.1%
Maine $1,146 -$712 -38.3%
Maryland $1,534 -$324 -17.4%
Massachusetts $1,486 -$372 -20.0%
Michigan $3,228 $1,370 73.7%
Minnesota $1,556 -$302 -16.3%
Mississippi $2,226 $368 19.8%
Missouri $1,650 -$208 -11.2%
Montana $1,998 $140 7.5%
Nebraska $1,466 -$392 -21.1%
Nevada $2,228 $370 19.9%
New Hampshire $1,340 -$518 -27.9%
New Jersey $2,078 $220 11.8%
New Mexico $1,646 -$212 -11.4%
New York $1,956 $98 5.3%
North Carolina $1,070 -$788 -42.4%
North Dakota $1,522 -$336 -18.1%
Ohio $1,284 -$574 -30.9%
Oklahoma $1,908 $50 2.7%
Oregon $1,702 -$156 -8.4%
Pennsylvania $1,774 -$84 -4.5%
Rhode Island $2,478 $620 33.4%
South Carolina $1,682 -$176 -9.5%
South Dakota $1,568 -$290 -15.6%
Tennessee $1,628 -$230 -12.4%
Texas $2,240 $382 20.6%
Utah $1,376 -$482 -25.9%
Vermont $1,272 -$586 -31.5%
Virginia $1,114 -$744 -40.0%
Washington $1,436 -$422 -22.7%
West Virginia $1,702 -$156 -8.4%
Wisconsin $1,286 -$572 -30.8%
Wyoming $1,656 -$202 -10.9%

View Chart as Image

BMW iX insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $860 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially different.

BMW iX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW iX $476 $870 $390 $1,894
2023 BMW iX $458 $864 $398 $1,878
2022 BMW iX $442 $842 $416 $1,858
2021 BMW iX $426 $808 $430 $1,822

Rates are averaged for all BMW iX 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 Cheap BMW iX Insurance

Finding better rates on car insurance requires being a good driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Compare rates every couple of years by quoting rates from direct companies, and also from your local independent and exclusive agents.

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

  • Policyholders who may need an increased level of liability coverage will pay approximately $460 every year to increase from 30/60 bodily injury limits to the 250/500 level
  • Drivers age 16 to 20 pay higher prices, possibly costing $556 per month if full coverage is included
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $2,180 more every year than a safer driver
  • Increasing policy deductibles can save approximately $850 each year

Rates by Driver Age

BMW iX Insurance Rates by Driver Age
Driver Age Premium
16 $6,676
20 $4,298
30 $1,960
40 $1,858
50 $1,692
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

BMW iX Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,424
$250 $2,162
$500 $1,858
$1,000 $1,568

Full coverage, driver age 40

Rates by Liability Limit

BMW iX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,858
50/100 $1,941
100/300 $2,045
250/500 $2,316
100 CSL $1,983
300 CSL $2,212
500 CSL $2,378

Full coverage, driver age 40

Rates for High Risk Drivers

BMW iX Insurance Rates for High Risk Drivers
Age Premium
16 $9,596
20 $6,844
30 $4,150
40 $4,038
50 $3,848
60 $3,814

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 $265

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $25
5-yr Accident Free $148
5-yr Claim Free $123
Paid in Full/EFT $93
Advance Quote $97
Online Quote $136
Total Discounts $821
Rate after discounts $1,037

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

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