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.
Average auto insurance rates for a BMW X6 are $1,246 annually for full coverage insurance. Comprehensive insurance costs on average $248, collision insurance costs $366, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,684 or more. 16-year-old drivers receive the highest rates at up to $4,792 a year.
Average premium for full coverage: $1,246
Rate estimates by individual coverage type:
Price estimates include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all X6 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $522 for minimum levels of liability insurance to the much higher price of $2,684 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities. The example below illustrates the difference location can make on car insurance rates.
These examples illustrate why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on 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 Rate Details
The chart below illustrates average BMW X6 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $736
- Choosing higher $1,000 deductibles can save around $138 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,246
- Buying pricier low deductibles for comp and collision coverage costs an additional $270 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,684
- The cost with full coverage for a teen driver for full coverage may cost $4,792 each year
Insurance rates for a BMW X6 can also vary considerably based on the trim level of your X6, your risk profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. BMW X6 insurance for high-risk drivers ranges anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $410 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,690 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $954 | -$292 | -23.4% |
| Arizona | $1,034 | -$212 | -17.0% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,422 | $176 | 14.1% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,282 | $36 | 2.9% |
| Delaware | $1,412 | $166 | 13.3% |
| Florida | $1,562 | $316 | 25.4% |
| Georgia | $1,150 | -$96 | -7.7% |
| Hawaii | $894 | -$352 | -28.3% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $928 | -$318 | -25.5% |
| Indiana | $938 | -$308 | -24.7% |
| Iowa | $842 | -$404 | -32.4% |
| Kansas | $1,186 | -$60 | -4.8% |
| Kentucky | $1,702 | $456 | 36.6% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,104 | -$142 | -11.4% |
| Montana | $1,340 | $94 | 7.5% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,104 | -$142 | -11.4% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,022 | -$224 | -18.0% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,282 | $36 | 2.9% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,192 | -$54 | -4.3% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,092 | -$154 | -12.4% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $922 | -$324 | -26.0% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $864 | -$382 | -30.7% |
| Wyoming | $1,112 | -$134 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,186 | $99 |
| BMW X6 50I AWD | $1,228 | $102 |
| BMW X6 ActiveHybrid AWD | $1,280 | $107 |
| BMW X6 M AWD | $1,308 | $109 |
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 | $432 | $834 | $398 | $1,822 |
| 2023 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2022 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2021 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2020 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2019 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2018 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2017 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2016 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2015 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2014 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2013 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2012 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2011 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2010 BMW X6 | $226 | $298 | $468 | $1,150 |
| 2009 BMW X6 | $224 | $292 | $460 | $1,134 |
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 Buy Cheaper BMW X6 Insurance
Saving money on BMW X6 insurance takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a condensed summary of the material that was touched on in this article.
- Drivers who require higher liability limits will pay around $520 annually to raise limits from a minimum limit to higher 250/500 limits
- Teens pay the highest rates, costing up to $399 per month including comprehensive and collision insurance
- High-risk drivers with multiple at-fault accidents may pay on average $1,440 more each year for X6 insurance
- Increasing deductibles could save up to $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.
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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 | $4,792 |
| 20 | $2,846 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,516 |
| $250 | $1,392 |
| $500 | $1,246 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,403 |
| 100/300 | $1,521 |
| 250/500 | $1,829 |
| 100 CSL | $1,450 |
| 300 CSL | $1,711 |
| 500 CSL | $1,901 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,536 |
| 30 | $2,726 |
| 40 | $2,684 |
| 50 | $2,564 |
| 60 | $2,538 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $87 |
| Total Discounts | $510 |
Discounts are estimated and may not be available from every company or in every state.
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