BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW iX are $1,878 a year including full coverage. Comprehensive costs on average $458 each year, collision insurance costs $864, and liability coverage costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs around $4,070. 16-year-old drivers receive the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,878
Rate estimates by individual coverage type:
Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and iX models.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $460 for minimum levels of liability insurance to a high rate of $4,070 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples highlight why all drivers should compare rates based on a specific location and risk profile, rather than using 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 Details
The chart below breaks down average BMW iX insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,048
- Drivers who choose higher $1,000 deductibles will pay around $300 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,878
- Buying low deductibles for comprehensive and collision insurance will increase the cost to $2,460
- High-risk insureds with multiple tickets or accidents could pay upwards of $4,070
- The cost for full coverage for a teenage driver may cost $6,696 a year
Auto insurance rates for a BMW iX can also vary considerably based on your driver profile, the model of your iX, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,700 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $6,600 a year. View Rates by Age
Where you live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,440 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,680 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,696 | -$182 | -9.7% |
| Alaska | $1,440 | -$438 | -23.3% |
| Arizona | $1,558 | -$320 | -17.0% |
| Arkansas | $1,878 | -$0 | 0.0% |
| California | $2,138 | $260 | 13.8% |
| Colorado | $1,792 | -$86 | -4.6% |
| Connecticut | $1,932 | $54 | 2.9% |
| Delaware | $2,122 | $244 | 13.0% |
| Florida | $2,350 | $472 | 25.1% |
| Georgia | $1,734 | -$144 | -7.7% |
| Hawaii | $1,348 | -$530 | -28.2% |
| Idaho | $1,270 | -$608 | -32.4% |
| Illinois | $1,400 | -$478 | -25.5% |
| Indiana | $1,412 | -$466 | -24.8% |
| Iowa | $1,268 | -$610 | -32.5% |
| Kansas | $1,784 | -$94 | -5.0% |
| Kentucky | $2,562 | $684 | 36.4% |
| Louisiana | $2,778 | $900 | 47.9% |
| Maine | $1,158 | -$720 | -38.3% |
| Maryland | $1,548 | -$330 | -17.6% |
| Massachusetts | $1,502 | -$376 | -20.0% |
| Michigan | $3,262 | $1,384 | 73.7% |
| Minnesota | $1,570 | -$308 | -16.4% |
| Mississippi | $2,250 | $372 | 19.8% |
| Missouri | $1,666 | -$212 | -11.3% |
| Montana | $2,018 | $140 | 7.5% |
| Nebraska | $1,480 | -$398 | -21.2% |
| Nevada | $2,252 | $374 | 19.9% |
| New Hampshire | $1,354 | -$524 | -27.9% |
| New Jersey | $2,098 | $220 | 11.7% |
| New Mexico | $1,662 | -$216 | -11.5% |
| New York | $1,978 | $100 | 5.3% |
| North Carolina | $1,084 | -$794 | -42.3% |
| North Dakota | $1,536 | -$342 | -18.2% |
| Ohio | $1,298 | -$580 | -30.9% |
| Oklahoma | $1,928 | $50 | 2.7% |
| Oregon | $1,720 | -$158 | -8.4% |
| Pennsylvania | $1,792 | -$86 | -4.6% |
| Rhode Island | $2,506 | $628 | 33.4% |
| South Carolina | $1,702 | -$176 | -9.4% |
| South Dakota | $1,584 | -$294 | -15.7% |
| Tennessee | $1,644 | -$234 | -12.5% |
| Texas | $2,262 | $384 | 20.4% |
| Utah | $1,388 | -$490 | -26.1% |
| Vermont | $1,284 | -$594 | -31.6% |
| Virginia | $1,124 | -$754 | -40.1% |
| Washington | $1,450 | -$428 | -22.8% |
| West Virginia | $1,722 | -$156 | -8.3% |
| Wisconsin | $1,300 | -$578 | -30.8% |
| Wyoming | $1,670 | -$208 | -11.1% |
Opting for high physical damage deductibles could save up to $890 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 131% more than the average rate. View High Risk Driver Rates
| 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 Find the Cheapest BMW iX Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a recap of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $240 per year just by quoting online in advance
- Drivers that have major violations or accidents may pay on average $2,190 more each year than a low-risk driver
- Increasing deductibles can save around $875 each year
- Youthful drivers are charged the highest rates, as much as $558 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,696 |
| 20 | $4,336 |
| 30 | $1,982 |
| 40 | $1,878 |
| 50 | $1,710 |
| 60 | $1,678 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,460 |
| $250 | $2,188 |
| $500 | $1,878 |
| $1,000 | $1,578 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,878 |
| 50/100 | $1,958 |
| 100/300 | $2,057 |
| 250/500 | $2,316 |
| 100 CSL | $1,997 |
| 300 CSL | $2,216 |
| 500 CSL | $2,376 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,632 |
| 20 | $6,900 |
| 30 | $4,190 |
| 40 | $4,070 |
| 50 | $3,882 |
| 60 | $3,850 |
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 | $103 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $124 |
| Paid in Full/EFT | $95 |
| Advance Quote | $98 |
| Online Quote | $138 |
| Total Discounts | $830 |
Discounts are estimated and may not be available from every company or in every state.
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