BMW IX Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW iX are $1,822 every 12 months with full coverage. Comprehensive insurance costs around $426 each year, collision insurance costs $808, and liability insurance costs around $430. A policy with only liability insurance costs as low as $486 a year, and a high-risk policy costs $3,954 or more. 16-year-old drivers pay the most at up to $6,576 a year.
Average premium for full coverage: $1,822
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and iX models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a BMW iX range from the cheapest price of $486 for just the minimum liability insurance to a high rate of $3,954 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on rate 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 Analysis
The chart below details average BMW iX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,020
- Using higher $1,000 deductibles will save about $280 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,822
- Buying low deductibles for physical damage coverage costs an extra $544 a year
- Drivers with multiple tickets or accidents could pay at least $3,954
- An auto insurance policy to insure a teen driver can be $6,576 or more
Car insurance prices for a BMW iX also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $830 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $2,200 to $2,900 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on BMW iX insurance rates. A driver around age 40 might see prices as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or at least $2,460 on average in Florida, Michigan, and New York.
| 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% |
| 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 Cheap BMW iX Insurance
Finding better rates on BMW iX insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.
Below you'll find a brief summary of the ideas that were touched on in this article.
- Youthful drivers are the costliest to insure, possibly costing $548 per month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations pay on average $2,130 more every year than a low-risk driver
- Increasing policy deductibles could save as much as $825 each year
- You may be able to save up to $230 per year just by quoting online in advance
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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