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 prices for a BMW X6 are $1,246 every 12 months including full coverage. Comprehensive costs an estimated $248 a year, collision insurance costs $366, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,684. Teenage drivers receive the highest rates at up to $4,792 a year.

Average premium for full coverage: $1,246

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and X6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $736
• Drivers who choose higher $1,000 deductibles will pay approximately $1,108 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,246
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,516
• High-risk insureds who are prone to accidents and violations could pay up to $2,684
• The cost to insure a teenage driver can cost as much as $4,792 a year

View Chart as Image

Car insurance rates for a BMW X6 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $410 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.

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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 Shop for Cheap BMW X6 Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a brief summary of the material that was covered above.

• Consumers who want more liability coverage will pay an extra $520 per year to go from a minimum limit to a 250/500 level
• Teen drivers have the highest car insurance rates, as much as $399 per month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations may have to pay on average $1,440 more annually to insure their X6
• Increasing deductibles could save as much as $400 each year

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.