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 insurance rates for a BMW X6 are $1,346 a year including full coverage. Comprehensive costs an estimated $274, collision insurance costs $440, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,910. 16-year-old drivers receive the highest rates at up to $5,124 a year.
Average premium for full coverage: $1,346
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all X6 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $522 for a discount liability-only rate to the much higher price of $2,910 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine insurance prices.
These examples highlight why everyone should compare rates for a targeted area, 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.
Rates by State, City, and Model
The chart below breaks down average BMW X6 insurance rates for other coverage scenarios.
- The best full coverage rate is $785
- Drivers who choose higher $1,000 deductibles will pay approximately $162 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,346
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,660
- High risk drivers with multiple tickets or accidents could pay up to $2,910
- The cost that insures a teen driver for full coverage can cost as much as $5,124 a year
Car insurance rates for a BMW X6 can also vary considerably based on the model of your X6, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. BMW X6 insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age
Where you live makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$128 | -9.5% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,286 | -$60 | -4.5% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,524 | $178 | 13.2% |
| Florida | $1,686 | $340 | 25.3% |
| Georgia | $1,242 | -$104 | -7.7% |
| Hawaii | $968 | -$378 | -28.1% |
| Idaho | $910 | -$436 | -32.4% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,012 | -$334 | -24.8% |
| Iowa | $910 | -$436 | -32.4% |
| Kansas | $1,280 | -$66 | -4.9% |
| Kentucky | $1,838 | $492 | 36.6% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$268 | -19.9% |
| Michigan | $2,340 | $994 | 73.8% |
| Minnesota | $1,126 | -$220 | -16.3% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,196 | -$150 | -11.1% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,062 | -$284 | -21.1% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $970 | -$376 | -27.9% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,194 | -$152 | -11.3% |
| New York | $1,420 | $74 | 5.5% |
| North Carolina | $776 | -$570 | -42.3% |
| North Dakota | $1,102 | -$244 | -18.1% |
| Ohio | $930 | -$416 | -30.9% |
| Oklahoma | $1,384 | $38 | 2.8% |
| Oregon | $1,234 | -$112 | -8.3% |
| Pennsylvania | $1,286 | -$60 | -4.5% |
| Rhode Island | $1,796 | $450 | 33.4% |
| South Carolina | $1,220 | -$126 | -9.4% |
| South Dakota | $1,138 | -$208 | -15.5% |
| Tennessee | $1,180 | -$166 | -12.3% |
| Texas | $1,622 | $276 | 20.5% |
| Utah | $998 | -$348 | -25.9% |
| Vermont | $924 | -$422 | -31.4% |
| Virginia | $806 | -$540 | -40.1% |
| Washington | $1,042 | -$304 | -22.6% |
| West Virginia | $1,234 | -$112 | -8.3% |
| Wisconsin | $932 | -$414 | -30.8% |
| Wyoming | $1,200 | -$146 | -10.8% |
Opting for high physical damage deductibles could save up to $480 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,276 | $106 |
| BMW X6 50I AWD | $1,322 | $110 |
| BMW X6 ActiveHybrid AWD | $1,386 | $116 |
| BMW X6 M AWD | $1,418 | $118 |
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 | $472 | $874 | $372 | $1,876 |
| 2023 BMW X6 | $450 | $840 | $390 | $1,838 |
| 2022 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2021 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2020 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2019 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2018 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2017 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2016 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2015 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2014 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2013 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2012 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2011 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2010 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2009 BMW X6 | $234 | $332 | $474 | $1,198 |
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
Saving money on BMW X6 insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Comparison shop every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The items below are a brief recap of the coverage data covered in the charts and tables above.
- You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $475 each year
- Teen drivers have the highest car insurance rates, as much as $427 per month if full coverage is purchased
- High-risk drivers who tend to receive serious violations could be charged and average of $1,560 more annually to insure their X6
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 | $5,124 |
| 20 | $3,088 |
| 30 | $1,394 |
| 40 | $1,346 |
| 50 | $1,232 |
| 60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,516 |
| $500 | $1,346 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,513 |
| 100/300 | $1,631 |
| 250/500 | $1,939 |
| 100 CSL | $1,560 |
| 300 CSL | $1,821 |
| 500 CSL | $2,011 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,288 |
| 20 | $4,924 |
| 30 | $2,962 |
| 40 | $2,910 |
| 50 | $2,778 |
| 60 | $2,750 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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