BMW IX Insurance Rates

U.S. average insurance rates for a BMW iX are $1,858 a year including full coverage. Comprehensive insurance costs an estimated $442, collision insurance costs $842, and liability costs around $416. A policy with just liability insurance costs as low as $474 a year, and coverage for high-risk drivers costs $4,038 or more. Teenage drivers pay the highest rates at up to $6,676 a year.

Average premium for full coverage: $1,858

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all iX models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts insurance prices.

The ranges above highlight why everyone should compare prices for a targeted area, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down average BMW iX insurance rates for other coverage scenarios.

• The best discount rate is $1,037
• Using higher $1,000 deductibles will save approximately $290 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,858
• Using pricier low deductibles for physical damage coverage will cost an additional $566 every year
• Drivers who are prone to accidents and violations could pay up to $4,038
• The price that insures a teen driver for full coverage can cost as much as $6,676 or more

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Insurance prices for a BMW iX are also quite variable based on the model of your iX, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $2,200 to $3,000 extra each year, depending on your age. BMW iX insurance for high-risk drivers can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $6,600 a year. View Rates by Age

The state you live in has a huge impact on BMW iX insurance prices. A driver around age 40 might see prices as low as $1,430 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,650 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles could cut prices by as much as $860 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost BMW iX Insurance

Getting lower rates on car insurance requires being a good driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a review of the data touched on above.

• Policyholders who want an increased level of liability coverage will pay an extra $460 per year to increase from a low limit to the 250/500 level
• You may be able to save approximately $230 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $850 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $556 a month if full coverage is included