BMW IX Insurance Rates

U.S. average insurance rates for a BMW iX are $1,878 a year including full coverage. Comprehensive insurance costs an estimated $458 a year, collision insurance costs $864, and liability costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs $4,070 or more. Teen drivers pay the highest rates at up to $6,696 a year.

Average premium for full coverage: $1,878

Price estimates broken down by individual coverage:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and iX trim levels.

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 larger metro areas. The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $1,048
• Using higher $1,000 deductibles will save approximately $1,578 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,878
• Choosing low $100 deductibles for physical damage coverage will cost an additional $582 every year
• Drivers with multiple violations and an at-fault accident could pay up to $4,070
• The price that insures a teen driver can cost as much as $6,696 or more

View Chart as Image

Car insurance prices for a BMW iX are also quite variable based on the trim level 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. A high-risk auto insurance policy can be as much as 45% to 131% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,700 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged 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 $1,440 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,680 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $890 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable BMW iX Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having a positive credit history, being claim-free, and possibly higher deductibles. Shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $240 per year just by quoting early and online
• Higher risk drivers who have multiple accidents or major violations could be charged and average of $2,190 more annually for iX insurance
• Increasing physical damage deductibles can save approximately $875 each year
• Teens have the highest car insurance prices, possibly costing $558 a month if full coverage is purchased