BMW IX Insurance Rates

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UPDATED: Mar 28, 2024

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

Average premium for full coverage: $1,858

Price estimates for individual coverage:

Comprehensive $442
Collision $842
Liability $416

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different iX trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, BMW iX insurance prices range from the low end price of $474 for minimum levels of liability insurance to a much higher rate of $4,038 for a high-risk driver policy.

Liability Only $474
Full Coverage $1,858
High Risk $4,038

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,394
Small Cities $1,951
Large Cities $2,508

The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code, 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 Rate Details

The chart below shows average BMW iX insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,037
  • Drivers who choose higher $1,000 deductibles will pay about $290 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,858
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $566 a year
  • High risk drivers with multiple violations and an at-fault accident could pay at least $4,038
  • The price that insures a teen driver with full coverage can be $6,676 a year

View Chart as Image

BMW iX insurance cost comparison chart
Column chart showing BMW iX insurance prices range from $1,037 to $6,676 for full coverage

Insurance prices for a BMW iX are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $2,200 to $3,000 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $6,600 a year. View Rates by Age

The state you live in makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Idaho, Maine, and Iowa, or as much as $2,650 on average in Michigan, Louisiana, and New York.

BMW iX Insurance Rates by State
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%

View Chart as Image

BMW iX insurance rates by U.S. city

Choosing high deductibles could save up to $860 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

BMW iX Insurance Rates by Model Year
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 More Affordable BMW iX Insurance

Getting lower rates on BMW iX insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around every time your policy renews by getting quotes from direct carriers, and also from several local insurance agents.

The following is a summary of the information raised in the charts and tables above.

  • Drivers can save up to $230 per year just by shopping early and online
  • Teens are charged the highest prices, with premiums as much as $556 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $850 each year
  • High-risk drivers who have multiple accidents or major violations pay on average $2,180 more every year for iX insurance
  • Drivers who may need higher liability limits will pay about $460 each year to go from a low limit to the 250/500 level

Rates by Driver Age

BMW iX Insurance 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

BMW iX Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,424
$250 $2,162
$500 $1,858
$1,000 $1,568

Full coverage, driver age 40

Rates by Liability Limit

BMW iX Insurance Rates with Different Liability Limits
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

BMW iX Insurance 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.

SR-22 Surcharge $265

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
Rate after discounts $1,037

Discounts are estimated and may not be available from every company or in every state.

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