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 $1,246 a year for full coverage. Comprehensive costs around $248, collision costs $366, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,684. Teen drivers cost the most to insure at $4,792 a year or more.

Average premium for full coverage: $1,246

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using price averages.

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

More Rate Information

The chart below shows estimated BMW X6 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $736
• Using higher $1,000 deductibles will save about $138 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,246
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,516
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,684 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $4,792 or more

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level of your X6, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,700 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 $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,780 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $410 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be around 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 the Best Cheap BMW X6 Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a quick review of the data touched on above.

• Consumers who may need additional liability coverage will pay about $520 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $399 each month including comprehensive and collision insurance

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.