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.
U.S. average insurance rates for a BMW X6 are $1,304 a year for full coverage. Comprehensive insurance costs approximately $268, collision insurance costs $400, and liability coverage costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage costs $2,808 or more. 16-year-old drivers pay the highest rates at up to $4,972 a year.
Average premium for full coverage: $1,304
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different X6 trim levels.
Price Range from Low to High
For a driver in their 40's, BMW X6 insurance prices range from as low as $526 for liability-only coverage to a much higher rate of $2,808 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than 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 Charts and Tables
The chart below shows average BMW X6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $765
- Using higher $1,000 deductibles will save $152 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,304
- Buying more expensive low deductibles for physical damage coverage will cost an extra $290 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,808
- The price for full coverage for a teenage driver with full coverage can cost $4,972 or more
Auto insurance prices for a BMW X6 are also quite variable based on your driving record, the trim level of your X6, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age
The state you live in has a huge impact on BMW X6 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,860 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $450 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can be around 42% to 128% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Low Cost BMW X6 Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a review of the information covered in the charts and tables above.
- Drivers can save around $150 per year just by shopping early and online
- Teenagers have the highest car insurance prices, with premiums as much as $414 a month if they have full coverage
- Increasing physical damage deductibles can save around $450 each year
- Drivers who have several accidents or serious violations may pay on average $1,500 more per year for car insurance
- Consumers who purchase higher liability limits will pay around $530 each year to increase from a low limit to 250/500 limits
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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,594 |
| $250 | $1,460 |
| $500 | $1,304 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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