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.

Average insurance rates for a BMW X6 are $1,246 a year for full coverage. Comprehensive costs on average $248, collision costs $366, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,684. Teenage drivers receive the highest rates at $4,792 a year or more.

Average premium for full coverage: $1,246

Rate estimates by individual coverage type:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different X6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities.

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

These examples show why anyone shopping for car insurance should compare prices based on a specific location, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated BMW X6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $736
• Using higher $1,000 deductibles will save around $138 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,246
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,516
• Drivers who are prone to accidents and violations could pay upwards of $2,684 or more
• The cost that insures a teen driver with full coverage may cost $4,792 or more

View Chart as Image

Auto insurance rates for a BMW X6 can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 44% to 134% more than a normal policy. 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 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Where you live has a huge impact on BMW X6 insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,780 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $410 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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 BMW X6 Insurance

Saving money on car insurance requires not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Compare prices at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the car insurance concepts touched on above.

• Higher risk drivers who tend to receive serious violations may pay on average $1,440 more each year for X6 insurance
• Drivers can save as much as $150 per year simply by shopping early and online
• Increasing deductibles can save approximately $400 each year
• Policyholders who require higher liability limits will pay an extra $520 each year to increase from a minimum limit to the 250/500 level

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.