BMW X6 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 prices for a BMW X6 are $1,346 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $274, collision insurance costs $440, and liability coverage is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,910 or more. Teen drivers cost the most to insure at up to $5,124 a year.
Average premium for full coverage: $1,346
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different X6 trim levels.
Price Range Variability
For the normal driver, BMW X6 insurance rates range from the cheapest price of $522 for just liability coverage to a much higher rate of $2,910 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates average BMW X6 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $785
- Raising to $1,000 deductibles will save $162 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,346
- Choosing more expensive low deductibles costs an extra $314 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,910
- Policy cost to insure a teenage driver with full coverage can cost $5,124
Insurance rates for a BMW X6 also range considerably based on liability limits and deductibles, your risk profile, and the model of your X6.
Choosing high deductibles can reduce rates by up to $480 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates
Your home state also has a big influence on BMW X6 insurance rates. A middle-age driver might find rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,820 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$128 | -9.5% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,286 | -$60 | -4.5% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,524 | $178 | 13.2% |
| Florida | $1,686 | $340 | 25.3% |
| Georgia | $1,242 | -$104 | -7.7% |
| Hawaii | $968 | -$378 | -28.1% |
| Idaho | $910 | -$436 | -32.4% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,012 | -$334 | -24.8% |
| Iowa | $910 | -$436 | -32.4% |
| Kansas | $1,280 | -$66 | -4.9% |
| Kentucky | $1,838 | $492 | 36.6% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$268 | -19.9% |
| Michigan | $2,340 | $994 | 73.8% |
| Minnesota | $1,126 | -$220 | -16.3% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,196 | -$150 | -11.1% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,062 | -$284 | -21.1% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $970 | -$376 | -27.9% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,194 | -$152 | -11.3% |
| New York | $1,420 | $74 | 5.5% |
| North Carolina | $776 | -$570 | -42.3% |
| North Dakota | $1,102 | -$244 | -18.1% |
| Ohio | $930 | -$416 | -30.9% |
| Oklahoma | $1,384 | $38 | 2.8% |
| Oregon | $1,234 | -$112 | -8.3% |
| Pennsylvania | $1,286 | -$60 | -4.5% |
| Rhode Island | $1,796 | $450 | 33.4% |
| South Carolina | $1,220 | -$126 | -9.4% |
| South Dakota | $1,138 | -$208 | -15.5% |
| Tennessee | $1,180 | -$166 | -12.3% |
| Texas | $1,622 | $276 | 20.5% |
| Utah | $998 | -$348 | -25.9% |
| Vermont | $924 | -$422 | -31.4% |
| Virginia | $806 | -$540 | -40.1% |
| Washington | $1,042 | -$304 | -22.6% |
| West Virginia | $1,234 | -$112 | -8.3% |
| Wisconsin | $932 | -$414 | -30.8% |
| Wyoming | $1,200 | -$146 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,276 | $106 |
| BMW X6 50I AWD | $1,322 | $110 |
| BMW X6 ActiveHybrid AWD | $1,386 | $116 |
| BMW X6 M AWD | $1,418 | $118 |
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 | $472 | $874 | $372 | $1,876 |
| 2023 BMW X6 | $450 | $840 | $390 | $1,838 |
| 2022 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2021 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2020 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2019 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2018 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2017 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2016 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2015 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2014 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2013 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2012 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2011 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2010 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2009 BMW X6 | $234 | $332 | $474 | $1,198 |
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 Shop for the Right BMW X6 Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The list below is a quick rundown of the car insurance concepts presented in the illustrations above.
- Drivers with reckless driving or DUI convictions may have to pay on average $1,560 more per year for car insurance
- It is possible to save around $160 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- Consumers who purchase higher liability limits will pay about $520 annually to raise from a 30/60 limit to a 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,124 |
| 20 | $3,088 |
| 30 | $1,394 |
| 40 | $1,346 |
| 50 | $1,232 |
| 60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,516 |
| $500 | $1,346 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,513 |
| 100/300 | $1,631 |
| 250/500 | $1,939 |
| 100 CSL | $1,560 |
| 300 CSL | $1,821 |
| 500 CSL | $2,011 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,288 |
| 20 | $4,924 |
| 30 | $2,962 |
| 40 | $2,910 |
| 50 | $2,778 |
| 60 | $2,750 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
