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.

Estimated insurance rates for a BMW X6 are $1,246 a year for full coverage. Comprehensive insurance costs an estimated $248 a year, collision insurance costs $366, and liability insurance is estimated at $474. A policy with only liability insurance costs approximately $522 a year, and a high-risk policy costs $2,684 or more. Teenage drivers pay the most at up to $4,792 a year.

Average premium for full coverage: $1,246

Premium estimates broken down by type of coverage:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and X6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These rate differences show why it is important to get quotes for a targeted area, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $736
• Choosing higher $1,000 deductibles can save approximately $1,108 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,246
• Using low $100 deductibles for comp and collision coverage will cost an additional $270 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,684
• An auto insurance policy that insures a teen driver can cost as much as $4,792 each year

View Chart as Image

Car insurance prices for a BMW X6 also have a wide range based on the trim level of your X6, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,780 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $410 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. 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 Cheap BMW X6 Insurance

Finding better rates on BMW X6 insurance takes having a good driving record, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare prices at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief summary of the car insurance concepts touched on above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,440 more annually to buy BMW X6 insurance
• Drivers can save approximately $150 per year just by quoting early and online
• Increasing policy deductibles can save approximately $400 each year
• Drivers who want increased levels of liability coverage will pay an extra $520 each year to raise limits from 30/60 bodily injury limits to the 250/500 level

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.