BMW X6 Insurance Rates

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2010 BMW X6 Insurance Cost in 2025

Want better car insurance rates for your BMW X6? Purchasing more affordable car insurance online is intimidating for beginners to price shopping over the internet. With so many agents and insurers available, how are vehicle owners expected to possibly compare every company in order to find cheaper car insurance prices? You should take the time to compare premium rates every six months since prices...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 including full coverage. Comprehensive insurance costs around $268 each year, collision insurance costs $400, and liability is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs $2,808 or more. Teen drivers pay the highest rates at up to $4,972 a year.

Average premium for full coverage: $1,304

Price estimates for individual coverage:

Comprehensive $268
Collision $400
Liability $478

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and X6 models.

Price Range from Low to High

For the average 40-year-old driver, BMW X6 insurance prices range from as low as $526 for a discount liability-only rate to a high rate of $2,808 for a policy for a high-risk driver.

Liability Only $526
Full Coverage $1,304
High Risk $2,808

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $978
Small Cities $1,369
Large Cities $1,760

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price 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.

Rates by State, City, and Model

The chart below breaks down average BMW X6 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $765
  • Raising to $1,000 deductibles will save about $152 every year
  • The average rate for the average middle-age driver using $500 deductibles is $1,304
  • Choosing low deductibles will cost an extra $290 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,808
  • The price for full coverage for a 16-year-old driver can be $4,972

View Chart as Image

BMW X6 insurance cost comparison chart
Column chart showing BMW X6 insurance prices range from $765 to $4,972 for full coverage

Car insurance prices for a BMW X6 are also quite variable based on your driving record, the model of your X6, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age

The state you live in also has a big influence on BMW X6 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,860 on average in Michigan, New York, and Louisiana.

BMW X6 Insurance Rates by State
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%

View Chart as Image

BMW X6 insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $450 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 128% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

BMW X6 Insurance Rates by Model and Trim Level
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.

BMW X6 Insurance Rates by Model Year
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 the Best BMW X6 Insurance

Getting lower rates on insurance for a BMW X6 consists of avoiding accidents and violations, having above-average credit, being claim-free, and consideration of higher deductibles. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a brief recap of the coverage data touched on in this article.

  • You may be able to save up to $150 per year just by quoting online in advance
  • Increasing physical damage deductibles can save around $450 each year
  • Teenagers are the costliest to insure, possibly costing $414 a month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,500 more every year for car insurance

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.

Rates by Driver Age

BMW X6 Insurance 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

BMW X6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,594
$250 $1,460
$500 $1,304
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

BMW X6 Insurance Rates with Different Liability Limits
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

BMW X6 Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $765

Discounts are estimated and may not be available from every company or in every state.

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