BMW X6 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 auto insurance rates for a BMW X6 are $1,246 annually including full coverage. Comprehensive costs approximately $248, collision costs $366, and liability coverage is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,684. Teen drivers pay the most at $4,792 a year or more.
Average premium for full coverage: $1,246
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all X6 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a BMW X6 go from as cheap as $522 for the bare minimum liability coverage to the much higher price of $2,684 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates how location impacts auto insurance prices.
These rate differences highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than 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 Rate Information
The chart below breaks down estimated BMW X6 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $736
- Raising to $1,000 deductibles will save $138 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,246
- Choosing pricier low deductibles will cost $1,516
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,684 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost $4,792
Auto insurance prices for a BMW X6 also have a wide range based on the model of your X6, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. BMW X6 insurance for high-risk drivers is expensive and can cost around 44% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $410 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on BMW X6 insurance rates. A middle-age driver might find prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,780 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $954 | -$292 | -23.4% |
| Arizona | $1,034 | -$212 | -17.0% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,422 | $176 | 14.1% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,282 | $36 | 2.9% |
| Delaware | $1,412 | $166 | 13.3% |
| Florida | $1,562 | $316 | 25.4% |
| Georgia | $1,150 | -$96 | -7.7% |
| Hawaii | $894 | -$352 | -28.3% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $928 | -$318 | -25.5% |
| Indiana | $938 | -$308 | -24.7% |
| Iowa | $842 | -$404 | -32.4% |
| Kansas | $1,186 | -$60 | -4.8% |
| Kentucky | $1,702 | $456 | 36.6% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,104 | -$142 | -11.4% |
| Montana | $1,340 | $94 | 7.5% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,104 | -$142 | -11.4% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,022 | -$224 | -18.0% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,282 | $36 | 2.9% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,192 | -$54 | -4.3% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,092 | -$154 | -12.4% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $922 | -$324 | -26.0% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $864 | -$382 | -30.7% |
| Wyoming | $1,112 | -$134 | -10.8% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,186 | $99 |
| BMW X6 50I AWD | $1,228 | $102 |
| BMW X6 ActiveHybrid AWD | $1,280 | $107 |
| BMW X6 M AWD | $1,308 | $109 |
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 | $432 | $834 | $398 | $1,822 |
| 2023 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2022 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2021 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2020 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2019 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2018 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2017 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2016 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2015 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2014 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2013 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2012 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2011 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2010 BMW X6 | $226 | $298 | $468 | $1,150 |
| 2009 BMW X6 | $224 | $292 | $460 | $1,134 |
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 Buy the Best BMW X6 Insurance
Finding better rates on auto insurance consists of having a good driving record, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a brief recap of the information touched on above.
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
- Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $399 per month if full coverage is included
- Increasing policy deductibles could save up to $400 each year
- Drivers who tend to receive serious violations may have to pay on average $1,440 more per year to buy BMW X6 insurance
- Consumers who purchase increased levels of liability coverage will pay about $520 per year to raise from 30/60 bodily injury limits to higher 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 | $4,792 |
| 20 | $2,846 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,516 |
| $250 | $1,392 |
| $500 | $1,246 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,403 |
| 100/300 | $1,521 |
| 250/500 | $1,829 |
| 100 CSL | $1,450 |
| 300 CSL | $1,711 |
| 500 CSL | $1,901 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,536 |
| 30 | $2,726 |
| 40 | $2,684 |
| 50 | $2,564 |
| 60 | $2,538 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $87 |
| Total Discounts | $510 |
Discounts are estimated and may not be available from every company or in every state.
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