BMW X6 Insurance Rates

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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.

Average insurance rates for a BMW X6 are $1,304 a year including full coverage. Comprehensive costs an estimated $268, collision insurance costs $400, and liability costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs around $2,808. 16-year-old drivers receive the highest rates at up to $4,972 a year.

Average premium for full coverage: $1,304

Rate estimates broken down by individual coverage type:

Comprehensive $268
Collision $400
Liability $478

Full coverage includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different X6 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $526 for minimum levels of liability insurance to a much higher rate of $2,808 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of using rate 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 Details

The chart below breaks down average BMW X6 insurance rates for other coverage scenarios.

  • The best full coverage rate is $765
  • Drivers who choose higher $1,000 deductibles will pay approximately $152 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,304
  • Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,594
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,808
  • The cost that insures a teen driver with full coverage can cost as much as $4,972 a year

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

Auto insurance rates for a BMW X6 can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 42% to 128% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

Where you live makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,860 on average in Louisiana, 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

Opting for high physical damage deductibles could save up to $450 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. 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 More Affordable BMW X6 Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a summary of the data touched on in this article.

  • Policyholders who want higher liability limits will pay around $530 per year to go from a minimum limit to the 250/500 level
  • You may be able to save approximately $150 per year just by shopping early and online
  • Increasing deductibles can save approximately $450 each year
  • Teens are the costliest to insure, as much as $414 per month if the policy includes full coverage

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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