BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a BMW iX are $1,858 a year with full coverage. Comprehensive costs an estimated $442 a year, collision costs $842, and liability insurance is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing around $4,038. Teen drivers cost the most to insure at $6,676 a year or more.
Average premium for full coverage: $1,858
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and iX trim levels.
Price Range Variability
Using a middle-aged driver as an example, BMW iX insurance rates go from as low as $474 for liability-only coverage to a high of $4,038 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how where you live affects insurance prices.
The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on price averages.
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.
Additional Charts and Tables
The chart below details estimated BMW iX insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,037
- Choosing higher $1,000 deductibles can save approximately $1,568 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,858
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $2,424
- High-risk insureds with multiple violations and an at-fault accident could pay up to $4,038 or more
- Policy cost for full coverage for a teen driver can cost as much as $6,676 each year
Auto insurance rates for a BMW iX also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $6,600 a year. View Rates by Age
Your home state plays a big part in determining prices for BMW iX insurance rates. A good driver about age 40 could pay as low as $1,340 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,510 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can save as much as $860 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 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 $2,200 to $3,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 132% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.
| 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 the Best BMW iX Insurance
Finding cheaper rates on BMW iX insurance takes being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a brief recap of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who tend to receive serious violations may pay on average $2,180 more annually than a safer driver
- You may be able to save approximately $230 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $850 each year
- Drivers who want an increased level of liability coverage will pay about $460 every year to raise limits from a 30/60 limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,424 |
| $250 | $2,162 |
| $500 | $1,858 |
| $1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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