BMW IX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Average insurance prices for a BMW iX are $1,858 every 12 months including full coverage. Comprehensive insurance costs an estimated $442 a year, collision costs $842, and liability insurance costs $416. A policy with just liability insurance costs as little as $474 a year, with coverage for high-risk drivers costing $4,038 or more. Teens receive the highest rates at $6,676 a year or more.

Average premium for full coverage: $1,858

Rate estimates broken down by individual coverage type:

Comprehensive $442
Collision $842
Liability $416

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and iX trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $474 for just liability insurance to a high of $4,038 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

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

These examples highlight why it is important to compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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.

More Rate Details

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

  • The cheapest rate after discounts is $1,037
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,568 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,858
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $566 a year
  • High risk drivers with serious driving violations could pay up to $4,038 or more
  • The cost to insure a teen driver can cost as much as $6,676 a year

View Chart as Image

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

Insurance rates for a BMW iX can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $860 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,700 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $6,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $2,200 to $3,000 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,430 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,650 on average in Louisiana, New York, and Michigan.

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

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, and rates can be significantly different.

BMW iX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW iX $500 $906 $372 $1,936
2023 BMW iX $476 $870 $390 $1,894
2022 BMW iX $458 $864 $398 $1,878
2021 BMW iX $442 $842 $416 $1,858

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

Saving money on BMW iX insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a brief summary of the concepts that were presented in the illustrations above.

  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $2,180 more annually to insure a BMW iX
  • Drivers under the age of 20 are expensive to insure, as much as $556 per month if full coverage is included
  • You may be able to save approximately $230 per year simply by quoting early and online
  • Increasing deductibles could save as much as $850 each year
  • You may be able to save approximately $230 per year simply by quoting early and online

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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