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 auto insurance rates for a BMW X6 are $1,246 annually including full coverage. Comprehensive costs on average $248, collision insurance costs $366, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,684. 16-year-old drivers cost the most to insure at up to $4,792 a year.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down average BMW X6 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $736
• Using higher $1,000 deductibles will save around $138 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,246
• Buying more expensive low deductibles for physical damage coverage will cost $1,516
• Drivers with multiple tickets or accidents could pay upwards of $2,684
• Policy cost with full coverage for a teen driver with full coverage may cost $4,792 or more

View Chart as Image

Car insurance rates for a BMW X6 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $410 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on BMW X6 insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy Affordable BMW X6 Insurance

Finding cheaper rates on BMW X6 insurance requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the coverage data touched on above.

• You may be able to save as much as $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $400 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $399 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,440 more each year than a driver with a clean driving record

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.