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.

Average insurance rates for a BMW X6 are $1,246 a year including full coverage. Comprehensive insurance costs an estimated $248, collision insurance costs $366, and liability coverage costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,684 or more. Teens receive the highest rates at up to $4,792 a year.

Average premium for full coverage: $1,246

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different X6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down average BMW X6 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $736
• Drivers who choose higher $1,000 deductibles will pay approximately $138 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,246
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $270 each year
• High-risk insureds with serious driving violations could pay up to $2,684
• The cost that insures a teenage driver with full coverage can cost as much as $4,792 a year

View Chart as Image

Insurance rates for a BMW X6 can also vary considerably based on the model year and trim level, 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 $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,700 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 $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $410 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

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

Saving money on auto insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and possibly raising deductibles. Compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a condensed summary of the data touched on in the above illustrations.

• Consumers who want increased levels of liability coverage will pay approximately $520 per year to go from a minimum limit to the 250/500 level
• You may be able to save approximately $150 per year just by shopping early and online
• Increasing deductibles can save approximately $400 each year
• Drivers age 20 and younger are expensive to insure, as much as $399 per month if comprehensive and collision insurance 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
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• 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.