BMW X6 Insurance Rates

Is insurance expensive for a BMW X6? The average cost of BMW X6 insurance rates is $1,822 a year, or $151 a month. Read on to learn more about frequently asked coverage questions and what drivers can do to save on BMW X6 insurance costs.

To start comparison shopping for an affordable BMW X6 price range, use our free tool above to find BMW X6 costs.

The average insurance rates for a BMW X6 are $1,304 a year with full coverage. Comprehensive insurance costs approximately $268, collision costs $400, and liability insurance is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing $2,808 or more. Teen drivers cost the most to insure at $4,972 a year or more.

Average premium for full coverage: $1,304

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details estimated BMW X6 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $765
• Choosing higher $1,000 deductibles can save $152 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,304
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $290 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,808 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $4,972 each year

View Chart as Image

Car insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,760 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $450 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest BMW X6 Insurance

Finding cheaper rates on BMW X6 insurance takes being safe and accident-free, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the car insurance concepts illustrated above.

• High-risk drivers that have major violations or accidents pay on average $1,500 more per year than a low-risk driver
• You may be able to save around $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers who purchase more liability protection will pay about $530 every year to raise limits from a 30/60 limit to 250/500 limits

How much is BMW X6 insurance for you? The best way to find out is to look at BMW X6 comparison rates. Comparing average insurance costs will allow you to find X6 BMW rates that fit your budget.

To find affordable car insurance rates for a BMW X6, enter your ZIP code in our free tool below.

What are the safety ratings of the BMW X6?

Good BMW X6 safety ratings and features can help lower insurance rates. The BMW X6 has the following safety features:

• Rearview camera
• Forward collision warning
• Automatic emergency braking
• Pedestrian detection
• Lane departure warning
• Blind-spot monitoring
• Adaptive cruise control
• Front and rear parking sensors
• Available advanced safety features:
• Night vision assist with pedestrian detection
• Evasion assist
• Stop-and-go adaptive cruise control

While the BMW X6 has some great safety features, the Insurance Institute for Highway Safety (IIHS) has yet to rate BMW X6 accidents through comprehensive crash-testing.

BMW X6 Compared Against Other Vehicles in the Same Class

The BMW X6 is a luxury car, which can have higher rates. Why? Luxury cars have more powerful engines, which can lead to more crashes. Is a BMW or Mercedes cheaper to insure? Take a look at the list of other luxury cars below to see how BMW’s rates compare to other vehicles’ rates.

• Mercedes-Benz CLA 250 Insurance Rates
• Tesla Model 3 Insurance Rates
• Volvo S60 Insurance Rates

Ready to find out how much does a BMW X6 cost in your area? Enter your ZIP code in our free tool to find cheap car insurance for everything from a BMW X6 4.5 to a BMW 2 Series.