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.

The average insurance rates for a BMW X6 are $1,246 a year for full coverage. Comprehensive insurance costs on average $248, collision insurance costs $366, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,684 or more. Teens cost the most to insure at up to $4,792 a year.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Rate estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all X6 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on car insurance rates.

The examples above show why everyone should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $736
• Using higher $1,000 deductibles will save around $138 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,246
• Selecting pricier low deductibles for physical damage coverage will cost an extra $270 every year
• Drivers with serious driving violations could pay upwards of $2,684
• Policy cost for full coverage for a teen driver for full coverage may cost $4,792 or more

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level of your X6, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state 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 have to pay at least $1,780 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $410 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. BMW X6 insurance for high-risk drivers can be as much as 44% to 134% more than the average policy. View High Risk Driver Rates

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

Finding cheaper rates on car insurance requires not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following is a brief recap of the material that was covered in the above illustrations.

• Policyholders who require higher liability limits will pay approximately $520 each year to increase from a 30/60 limit to 250/500 limits
• Teens pay the highest rates, costing up to $399 each month for full coverage
• Higher risk drivers who tend to receive serious violations will pay on average $1,440 more each year for X6 insurance
• Increasing comprehensive and collision deductibles can save around $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.