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 insurance costs around $458 each year, collision costs $864, and liability insurance is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $4,070 or more. Teens cost the most to insure at $6,696 a year or more.
Average premium for full coverage: $1,878
Policy rates for type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and iX models.
Price Range Variability
For a 40-year-old driver, BMW iX insurance rates go from the cheapest price of $460 for liability-only coverage to a high rate of $4,070 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance rates.
The examples above illustrate why all drivers should compare rates quotes for a specific zip code 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 additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,048
- Raising to $1,000 deductibles will save about $300 each year
- The average price for a good driver age 40 using $500 deductibles is $1,878
- Selecting low deductibles costs an extra $582 a year
- Higher-risk drivers with serious driving violations could pay at least $4,070 or more
- Policy cost to insure a teen driver can be $6,696
Auto insurance rates for a BMW iX also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $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 least $2,200 to $3,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on BMW iX insurance rates. A middle-age driver might find 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 your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, and quoted 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 Low Cost BMW iX Insurance
Finding cheaper rates on BMW iX insurance consists of being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to shop around at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a review of the car insurance concepts illustrated above.
- High-risk drivers who have several accidents or serious violations may pay on average $2,190 more every year to insure their iX
- It is possible to save up to $240 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $875 each year
- Drivers who may need more liability coverage will pay approximately $440 annually to raise from a 30/60 limit to a 250/500 level
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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