BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a BMW iX are $1,878 every 12 months for full coverage insurance. Comprehensive costs on average $458, collision costs $864, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $4,070. Teens cost the most to insure at $6,696 a year or more.
Average premium for full coverage: $1,878
Policy rates by type of insurance:
Includes $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all iX models.
Price Range Variability
Using a 40-year-old driver as an example, BMW iX insurance rates go from the cheapest price of $460 for liability-only coverage to the much higher price of $4,070 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why everyone should compare prices based on a specific location and their own driving history, rather than relying on 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.
Additional Charts and Tables
The chart below illustrates estimated BMW iX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,048
- Using higher $1,000 deductibles will save around $300 each year
- The average price for a good driver age 40 with $500 deductibles is $1,878
- Selecting pricier low deductibles for physical damage coverage increases the price to $2,460
- Drivers with serious driving violations could pay upwards of $4,070 or more
- Policy cost to insure a teen driver for full coverage may cost $6,696 or more
Insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your iX.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $890 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $6,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $2,200 to $3,000 additional every year, depending on your age. BMW iX insurance for high-risk drivers can be anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on BMW iX insurance rates. A driver around age 40 might see rates as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,530 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,696 | -$182 | -9.7% |
| Alaska | $1,440 | -$438 | -23.3% |
| Arizona | $1,558 | -$320 | -17.0% |
| Arkansas | $1,878 | -$0 | 0.0% |
| California | $2,138 | $260 | 13.8% |
| Colorado | $1,792 | -$86 | -4.6% |
| Connecticut | $1,932 | $54 | 2.9% |
| Delaware | $2,122 | $244 | 13.0% |
| Florida | $2,350 | $472 | 25.1% |
| Georgia | $1,734 | -$144 | -7.7% |
| Hawaii | $1,348 | -$530 | -28.2% |
| Idaho | $1,270 | -$608 | -32.4% |
| Illinois | $1,400 | -$478 | -25.5% |
| Indiana | $1,412 | -$466 | -24.8% |
| Iowa | $1,268 | -$610 | -32.5% |
| Kansas | $1,784 | -$94 | -5.0% |
| Kentucky | $2,562 | $684 | 36.4% |
| Louisiana | $2,778 | $900 | 47.9% |
| Maine | $1,158 | -$720 | -38.3% |
| Maryland | $1,548 | -$330 | -17.6% |
| Massachusetts | $1,502 | -$376 | -20.0% |
| Michigan | $3,262 | $1,384 | 73.7% |
| Minnesota | $1,570 | -$308 | -16.4% |
| Mississippi | $2,250 | $372 | 19.8% |
| Missouri | $1,666 | -$212 | -11.3% |
| Montana | $2,018 | $140 | 7.5% |
| Nebraska | $1,480 | -$398 | -21.2% |
| Nevada | $2,252 | $374 | 19.9% |
| New Hampshire | $1,354 | -$524 | -27.9% |
| New Jersey | $2,098 | $220 | 11.7% |
| New Mexico | $1,662 | -$216 | -11.5% |
| New York | $1,978 | $100 | 5.3% |
| North Carolina | $1,084 | -$794 | -42.3% |
| North Dakota | $1,536 | -$342 | -18.2% |
| Ohio | $1,298 | -$580 | -30.9% |
| Oklahoma | $1,928 | $50 | 2.7% |
| Oregon | $1,720 | -$158 | -8.4% |
| Pennsylvania | $1,792 | -$86 | -4.6% |
| Rhode Island | $2,506 | $628 | 33.4% |
| South Carolina | $1,702 | -$176 | -9.4% |
| South Dakota | $1,584 | -$294 | -15.7% |
| Tennessee | $1,644 | -$234 | -12.5% |
| Texas | $2,262 | $384 | 20.4% |
| Utah | $1,388 | -$490 | -26.1% |
| Vermont | $1,284 | -$594 | -31.6% |
| Virginia | $1,124 | -$754 | -40.1% |
| Washington | $1,450 | -$428 | -22.8% |
| West Virginia | $1,722 | -$156 | -8.3% |
| Wisconsin | $1,300 | -$578 | -30.8% |
| Wyoming | $1,670 | -$208 | -11.1% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $500 | $906 | $372 | $1,936 |
| 2023 BMW iX | $476 | $870 | $390 | $1,894 |
| 2022 BMW iX | $458 | $864 | $398 | $1,878 |
| 2021 BMW iX | $442 | $842 | $416 | $1,858 |
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 Shop for the Cheapest BMW iX Insurance
Finding cheaper rates on BMW iX insurance requires being safe and accident-free, having above-average credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting quotes from direct insurance companies, and also from several local insurance agents.
Below you'll find a recap of the primary concepts that were raised in the charts and tables above.
- It is possible to save as much as $240 per year simply by quoting online well ahead of the renewal date
- High-risk drivers that have major violations or accidents pay on average $2,190 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles could save as much as $875 each year
- Youthful drivers pay higher rates, possibly costing $558 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,696 |
| 20 | $4,336 |
| 30 | $1,982 |
| 40 | $1,878 |
| 50 | $1,710 |
| 60 | $1,678 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,460 |
| $250 | $2,188 |
| $500 | $1,878 |
| $1,000 | $1,578 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,878 |
| 50/100 | $1,958 |
| 100/300 | $2,057 |
| 250/500 | $2,316 |
| 100 CSL | $1,997 |
| 300 CSL | $2,216 |
| 500 CSL | $2,376 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,632 |
| 20 | $6,900 |
| 30 | $4,190 |
| 40 | $4,070 |
| 50 | $3,882 |
| 60 | $3,850 |
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 | $103 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $124 |
| Paid in Full/EFT | $95 |
| Advance Quote | $98 |
| Online Quote | $138 |
| Total Discounts | $830 |
Discounts are estimated and may not be available from every company or in every state.
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