BMW X6 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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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.
Estimated insurance rates for a BMW X6 are $1,304 a year for full coverage insurance. Comprehensive insurance costs around $268, collision insurance costs $400, and liability costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs $2,808 or more. Teen drivers pay the most at up to $4,972 a year.
Average premium for full coverage: $1,304
Premium estimates for type of coverage:
Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all X6 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a BMW X6 range from as low as $526 for liability-only coverage to the much higher price of $2,808 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and risk profile, instead of using price 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 Charts and Tables
The chart below illustrates average BMW X6 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $765
- Drivers who choose higher $1,000 deductibles will pay about $152 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,304
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $290 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,808
- An auto insurance policy for full coverage for a teen driver for full coverage can be $4,972 a year
Insurance prices for a BMW X6 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,760 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,180 | -$124 | -9.5% |
| Alaska | $998 | -$306 | -23.5% |
| Arizona | $1,082 | -$222 | -17.0% |
| Arkansas | $1,304 | -$0 | 0.0% |
| California | $1,484 | $180 | 13.8% |
| Colorado | $1,246 | -$58 | -4.4% |
| Connecticut | $1,338 | $34 | 2.6% |
| Delaware | $1,474 | $170 | 13.0% |
| Florida | $1,630 | $326 | 25.0% |
| Georgia | $1,202 | -$102 | -7.8% |
| Hawaii | $936 | -$368 | -28.2% |
| Idaho | $882 | -$422 | -32.4% |
| Illinois | $972 | -$332 | -25.5% |
| Indiana | $982 | -$322 | -24.7% |
| Iowa | $878 | -$426 | -32.7% |
| Kansas | $1,240 | -$64 | -4.9% |
| Kentucky | $1,778 | $474 | 36.3% |
| Louisiana | $1,928 | $624 | 47.9% |
| Maine | $802 | -$502 | -38.5% |
| Maryland | $1,074 | -$230 | -17.6% |
| Massachusetts | $1,044 | -$260 | -19.9% |
| Michigan | $2,264 | $960 | 73.6% |
| Minnesota | $1,090 | -$214 | -16.4% |
| Mississippi | $1,562 | $258 | 19.8% |
| Missouri | $1,158 | -$146 | -11.2% |
| Montana | $1,402 | $98 | 7.5% |
| Nebraska | $1,028 | -$276 | -21.2% |
| Nevada | $1,562 | $258 | 19.8% |
| New Hampshire | $938 | -$366 | -28.1% |
| New Jersey | $1,456 | $152 | 11.7% |
| New Mexico | $1,152 | -$152 | -11.7% |
| New York | $1,374 | $70 | 5.4% |
| North Carolina | $750 | -$554 | -42.5% |
| North Dakota | $1,066 | -$238 | -18.3% |
| Ohio | $900 | -$404 | -31.0% |
| Oklahoma | $1,338 | $34 | 2.6% |
| Oregon | $1,192 | -$112 | -8.6% |
| Pennsylvania | $1,244 | -$60 | -4.6% |
| Rhode Island | $1,738 | $434 | 33.3% |
| South Carolina | $1,180 | -$124 | -9.5% |
| South Dakota | $1,100 | -$204 | -15.6% |
| Tennessee | $1,142 | -$162 | -12.4% |
| Texas | $1,572 | $268 | 20.6% |
| Utah | $966 | -$338 | -25.9% |
| Vermont | $892 | -$412 | -31.6% |
| Virginia | $780 | -$524 | -40.2% |
| Washington | $1,006 | -$298 | -22.9% |
| West Virginia | $1,194 | -$110 | -8.4% |
| Wisconsin | $900 | -$404 | -31.0% |
| Wyoming | $1,162 | -$142 | -10.9% |
Choosing high deductibles could save up to $450 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. BMW X6 insurance for high-risk drivers can cost as much as 42% to 128% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,238 | $103 |
| BMW X6 50I AWD | $1,282 | $107 |
| BMW X6 ActiveHybrid AWD | $1,338 | $112 |
| BMW X6 M AWD | $1,368 | $114 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW X6 | $450 | $840 | $390 | $1,838 |
| 2023 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2022 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2021 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2020 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2019 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2018 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2017 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2016 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2015 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2014 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2013 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2012 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2011 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2010 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2009 BMW X6 | $226 | $298 | $468 | $1,150 |
Rates are averaged for all BMW X6 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 Cheaper BMW X6 Insurance
Finding better rates on car insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a condensed summary of the information touched on above.
- It is possible to save up to $150 per year just by quoting online well ahead of the renewal date
- Teen drivers are charged the highest prices, with premiums being up to $414 per month including comprehensive and collision insurance
- Increasing policy deductibles can save around $450 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $1,500 more every year to insure their X6
- Policyholders who may need more liability coverage will pay about $530 annually to go from 30/60 bodily injury limits 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,972 |
| 20 | $2,974 |
| 30 | $1,346 |
| 40 | $1,304 |
| 50 | $1,194 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,594 |
| $250 | $1,460 |
| $500 | $1,304 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,304 |
| 50/100 | $1,464 |
| 100/300 | $1,583 |
| 250/500 | $1,894 |
| 100 CSL | $1,511 |
| 300 CSL | $1,774 |
| 500 CSL | $1,966 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,068 |
| 20 | $4,742 |
| 30 | $2,856 |
| 40 | $2,808 |
| 50 | $2,680 |
| 60 | $2,654 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $92 |
| Total Discounts | $539 |
Discounts are estimated and may not be available from every company or in every state.
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