BMW X6 Insurance Rates

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2010 BMW X6 Insurance Cost in 2025

Want better car insurance rates for your BMW X6? Purchasing more affordable car insurance online is intimidating for beginners to price shopping over the internet. With so many agents and insurers available, how are vehicle owners expected to possibly compare every company in order to find cheaper car insurance prices? You should take the time to compare premium rates every six months since prices...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 costs approximately $268, collision insurance costs $400, and liability is $478. A policy with only liability insurance costs around $526 a year, and a high-risk policy costs around $2,808. Teenage drivers pay the most at up to $4,972 a year.

Average premium for full coverage: $1,304

Premium estimates by type of coverage:

Comprehensive $268
Collision $400
Liability $478

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all X6 models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a BMW X6 range from the low end price of $526 for just liability insurance to the much higher price of $2,808 for coverage for higher-risk drivers.

Liability Only $526
Full Coverage $1,304
High Risk $2,808

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $978
Small Cities $1,369
Large Cities $1,760

These rate differences illustrate why everyone should compare rates quotes using their specific location, instead of using average rates.

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.

More Rate Details

The chart below illustrates average BMW X6 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $765
  • Raising to $1,000 deductibles will save $152 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,304
  • Using pricier low deductibles bumps up the cost to $1,594
  • At-risk drivers who are prone to accidents and violations could pay around $2,808
  • An auto insurance policy that insures a teen driver for full coverage can cost $4,972

View Chart as Image

BMW X6 insurance cost comparison chart
Column chart showing BMW X6 insurance rates range from $765 to $4,972 for full coverage

Car insurance prices for a BMW X6 also have a wide range based on the model of your X6, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. BMW X6 insurance for high-risk drivers is expensive and can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on BMW X6 insurance prices. A middle-age driver might find prices as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,760 on average in Florida, New York, and Michigan.

BMW X6 Insurance Rates by State
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%

View Chart as Image

BMW X6 insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $450 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

BMW X6 Insurance Rates by Model and Trim Level
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.

BMW X6 Insurance Rates by Model Year
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 the Best BMW X6 Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare prices at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief recap of the primary concepts that were raised in the charts and tables above.

  • It is possible to save around $150 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers who tend to receive serious violations could be charged and average of $1,500 more per year for X6 insurance
  • Increasing policy deductibles can save approximately $450 each year
  • Teens pay the highest auto insurance prices, with premiums being up to $414 per month if full coverage is purchased

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.

Rates by Driver Age

BMW X6 Insurance 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

BMW X6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,594
$250 $1,460
$500 $1,304
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

BMW X6 Insurance Rates with Different Liability Limits
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

BMW X6 Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $765

Discounts are estimated and may not be available from every company or in every state.

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