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 including full coverage. Comprehensive costs on average $248 each year, collision costs $366, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,684. Teen drivers cost the most to insure at $4,792 a year or more.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and X6 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and risk profile, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated BMW X6 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $736
• Drivers who choose higher $1,000 deductibles will pay around $138 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,246
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,516
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,684 or more
• Policy cost for full coverage for a teenage driver may cost $4,792 a year

View Chart as Image

Car insurance rates for a BMW X6 also range considerably based on your risk profile, the model of your X6, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

Your home state 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 Missouri, New Hampshire, and Vermont, or as much as $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $410 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Cheaper BMW X6 Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Drivers with multiple at-fault accidents may pay on average $1,440 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $400 each year
• Youthful drivers are expensive to insure, with premiums being up to $399 each month if full coverage is included

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.