BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a BMW iX are $1,822 every 12 months with full coverage. Comprehensive insurance costs approximately $426, collision costs $808, and liability costs $430. A policy with just liability insurance costs as little as $486 a year, with coverage for high-risk drivers costing $3,954 or more. Teen drivers pay the highest rates at $6,576 a year or more.
Average premium for full coverage: $1,822
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. 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 go from the cheapest price of $486 for minimum levels of liability insurance to a much higher rate of $3,954 for a high-risk insurance policy.
Geographic Price Range
Your location can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using 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 details estimated BMW iX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,020
- Drivers who choose higher $1,000 deductibles will pay $280 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,822
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $544 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,954 or more
- The price to insure a teen driver with full coverage can cost $6,576 a year
Insurance prices for a BMW iX are also quite variable based on deductibles and policy limits, your driving record, and the model of your iX.
Choosing high deductibles could save up to $830 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $6,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $2,200 to $2,900 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than average. View High Risk Driver Rates
The state you live in makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,460 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,646 | -$176 | -9.7% |
| Alaska | $1,396 | -$426 | -23.4% |
| Arizona | $1,512 | -$310 | -17.0% |
| Arkansas | $1,822 | -$0 | 0.0% |
| California | $2,076 | $254 | 13.9% |
| Colorado | $1,738 | -$84 | -4.6% |
| Connecticut | $1,874 | $52 | 2.9% |
| Delaware | $2,062 | $240 | 13.2% |
| Florida | $2,276 | $454 | 24.9% |
| Georgia | $1,682 | -$140 | -7.7% |
| Hawaii | $1,308 | -$514 | -28.2% |
| Idaho | $1,230 | -$592 | -32.5% |
| Illinois | $1,358 | -$464 | -25.5% |
| Indiana | $1,372 | -$450 | -24.7% |
| Iowa | $1,230 | -$592 | -32.5% |
| Kansas | $1,730 | -$92 | -5.0% |
| Kentucky | $2,486 | $664 | 36.4% |
| Louisiana | $2,696 | $874 | 48.0% |
| Maine | $1,122 | -$700 | -38.4% |
| Maryland | $1,502 | -$320 | -17.6% |
| Massachusetts | $1,458 | -$364 | -20.0% |
| Michigan | $3,164 | $1,342 | 73.7% |
| Minnesota | $1,524 | -$298 | -16.4% |
| Mississippi | $2,180 | $358 | 19.6% |
| Missouri | $1,616 | -$206 | -11.3% |
| Montana | $1,958 | $136 | 7.5% |
| Nebraska | $1,436 | -$386 | -21.2% |
| Nevada | $2,182 | $360 | 19.8% |
| New Hampshire | $1,314 | -$508 | -27.9% |
| New Jersey | $2,036 | $214 | 11.7% |
| New Mexico | $1,614 | -$208 | -11.4% |
| New York | $1,918 | $96 | 5.3% |
| North Carolina | $1,050 | -$772 | -42.4% |
| North Dakota | $1,490 | -$332 | -18.2% |
| Ohio | $1,258 | -$564 | -31.0% |
| Oklahoma | $1,870 | $48 | 2.6% |
| Oregon | $1,668 | -$154 | -8.5% |
| Pennsylvania | $1,738 | -$84 | -4.6% |
| Rhode Island | $2,428 | $606 | 33.3% |
| South Carolina | $1,650 | -$172 | -9.4% |
| South Dakota | $1,538 | -$284 | -15.6% |
| Tennessee | $1,594 | -$228 | -12.5% |
| Texas | $2,196 | $374 | 20.5% |
| Utah | $1,350 | -$472 | -25.9% |
| Vermont | $1,248 | -$574 | -31.5% |
| Virginia | $1,092 | -$730 | -40.1% |
| Washington | $1,408 | -$414 | -22.7% |
| West Virginia | $1,668 | -$154 | -8.5% |
| Wisconsin | $1,260 | -$562 | -30.8% |
| Wyoming | $1,622 | -$200 | -11.0% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $458 | $864 | $398 | $1,878 |
| 2023 BMW iX | $442 | $842 | $416 | $1,858 |
| 2022 BMW iX | $426 | $808 | $430 | $1,822 |
| 2021 BMW iX | $402 | $780 | $442 | $1,782 |
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 Best Cheap BMW iX Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a quick review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,130 more per year for car insurance
- You may be able to save around $230 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $825 each year
- Policyholders who purchase higher liability limits will pay about $470 every year to go from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,576 |
| 20 | $4,210 |
| 30 | $1,916 |
| 40 | $1,822 |
| 50 | $1,660 |
| 60 | $1,628 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,366 |
| $250 | $2,114 |
| $500 | $1,822 |
| $1,000 | $1,542 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,822 |
| 50/100 | $1,908 |
| 100/300 | $2,016 |
| 250/500 | $2,295 |
| 100 CSL | $1,951 |
| 300 CSL | $2,188 |
| 500 CSL | $2,360 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,448 |
| 20 | $6,706 |
| 30 | $4,062 |
| 40 | $3,954 |
| 50 | $3,772 |
| 60 | $3,738 |
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 | $100 |
| Multi-vehicle | $95 |
| Homeowner | $25 |
| 5-yr Accident Free | $144 |
| 5-yr Claim Free | $120 |
| Paid in Full/EFT | $90 |
| Advance Quote | $95 |
| Online Quote | $133 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
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