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

Average premium for full coverage: $1,246

Policy rates for type of insurance:

Price estimates include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $736
• Drivers who choose higher $1,000 deductibles will pay about $1,108 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,246
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $270 annually
• Drivers with serious driving violations could pay at least $2,684
• Policy cost that insures a 16-year-old driver can be $4,792 a year

View Chart as Image

Car insurance rates for a BMW X6 also range considerably based on the trim level of your X6, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

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

Your home state makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,690 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $410 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by 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 Cheaper BMW X6 Insurance

Finding cheaper rates on insurance for a BMW X6 not only requires not taking risks behind the wheel, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare rates every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The following is a condensed summary of the material that was illustrated above.

• Insureds who may need higher liability limits will pay approximately $520 every year to go from a 30/60 limit to the 250/500 level
• Teens are the costliest to insure, as much as $399 each month if full coverage is purchased
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,440 more every year for X6 insurance
• Increasing comprehensive and collision deductibles can save approximately $400 each year

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.