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 for full coverage. Comprehensive costs an estimated $268 each year, collision costs $400, and liability insurance costs around $478. Liability-only coverage costs as low as $526 a year, with high-risk coverage costing around $2,808. Teen drivers cost the most to insure at $4,972 a year or more.

Average premium for full coverage: $1,304

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and X6 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should compare prices for a targeted area, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows estimated BMW X6 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $765
• Using higher $1,000 deductibles will save approximately $152 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,304
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,594
• Drivers with multiple violations and an at-fault accident could pay up to $2,808 or more
• Policy cost that insures a teen driver can cost as much as $4,972 or more

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 128% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on BMW X6 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,860 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $450 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

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 Cheap BMW X6 Insurance

Finding cheaper rates on BMW X6 insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,500 more annually than a low-risk driver
• Drivers can save approximately $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers who want more liability protection will pay about $530 each year to increase from a 30/60 limit to the 250/500 level

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.