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.

U.S. average insurance rates for a BMW X6 are $1,246 a year with full coverage. Comprehensive costs an estimated $248 a year, collision costs $366, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,684. Teen drivers pay the highest rates at $4,792 a year or more.

Average premium for full coverage: $1,246

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and X6 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area and risk profile, rather than using price averages.

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

Rates by State, City, and Model

The chart below details estimated BMW X6 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $736
• Using higher $1,000 deductibles will save approximately $1,108 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,246
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,516
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,684 or more
• The price for full coverage for a teenage driver can cost as much as $4,792 or more

View Chart as Image

Insurance prices for a BMW X6 are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age

The state you live in has a huge impact on BMW X6 insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $410 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 the Best BMW X6 Insurance

Getting lower rates on auto insurance requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief recap of the material that was illustrated above.

• Consumers who want additional liability coverage will pay about $520 every year to increase from a low limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest prices, costing up to $399 a month for full coverage
• Drivers who tend to receive serious violations may pay on average $1,440 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save around $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.