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.
Estimated insurance rates for a BMW X6 are $1,304 a year with full coverage. Comprehensive insurance costs on average $268, collision costs $400, and liability costs around $478. A policy with only liability insurance costs as low as $526 a year, with a high-risk policy costing $2,808 or more. Teen drivers pay the most at $4,972 a year or more.
Average premium for full coverage: $1,304
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different X6 trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a BMW X6 go from the low end price of $526 for the bare minimum liability coverage to a much higher rate of $2,808 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on price 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.
Additional Rate Information
The chart below details estimated BMW X6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $765
- Using higher $1,000 deductibles will save around $152 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,304
- Choosing more expensive low deductibles for physical damage coverage will cost an additional $290 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,808 or more
- An auto insurance policy that insures a 16-year-old driver with full coverage may cost $4,972 or more
Car insurance prices for a BMW X6 also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 42% to 128% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age
Where you choose to live has a huge impact on BMW X6 insurance prices. A driver around age 40 might see prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,760 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,180 | -$124 | -9.5% |
| Alaska | $998 | -$306 | -23.5% |
| Arizona | $1,082 | -$222 | -17.0% |
| Arkansas | $1,304 | -$0 | 0.0% |
| California | $1,484 | $180 | 13.8% |
| Colorado | $1,246 | -$58 | -4.4% |
| Connecticut | $1,338 | $34 | 2.6% |
| Delaware | $1,474 | $170 | 13.0% |
| Florida | $1,630 | $326 | 25.0% |
| Georgia | $1,202 | -$102 | -7.8% |
| Hawaii | $936 | -$368 | -28.2% |
| Idaho | $882 | -$422 | -32.4% |
| Illinois | $972 | -$332 | -25.5% |
| Indiana | $982 | -$322 | -24.7% |
| Iowa | $878 | -$426 | -32.7% |
| Kansas | $1,240 | -$64 | -4.9% |
| Kentucky | $1,778 | $474 | 36.3% |
| Louisiana | $1,928 | $624 | 47.9% |
| Maine | $802 | -$502 | -38.5% |
| Maryland | $1,074 | -$230 | -17.6% |
| Massachusetts | $1,044 | -$260 | -19.9% |
| Michigan | $2,264 | $960 | 73.6% |
| Minnesota | $1,090 | -$214 | -16.4% |
| Mississippi | $1,562 | $258 | 19.8% |
| Missouri | $1,158 | -$146 | -11.2% |
| Montana | $1,402 | $98 | 7.5% |
| Nebraska | $1,028 | -$276 | -21.2% |
| Nevada | $1,562 | $258 | 19.8% |
| New Hampshire | $938 | -$366 | -28.1% |
| New Jersey | $1,456 | $152 | 11.7% |
| New Mexico | $1,152 | -$152 | -11.7% |
| New York | $1,374 | $70 | 5.4% |
| North Carolina | $750 | -$554 | -42.5% |
| North Dakota | $1,066 | -$238 | -18.3% |
| Ohio | $900 | -$404 | -31.0% |
| Oklahoma | $1,338 | $34 | 2.6% |
| Oregon | $1,192 | -$112 | -8.6% |
| Pennsylvania | $1,244 | -$60 | -4.6% |
| Rhode Island | $1,738 | $434 | 33.3% |
| South Carolina | $1,180 | -$124 | -9.5% |
| South Dakota | $1,100 | -$204 | -15.6% |
| Tennessee | $1,142 | -$162 | -12.4% |
| Texas | $1,572 | $268 | 20.6% |
| Utah | $966 | -$338 | -25.9% |
| Vermont | $892 | -$412 | -31.6% |
| Virginia | $780 | -$524 | -40.2% |
| Washington | $1,006 | -$298 | -22.9% |
| West Virginia | $1,194 | -$110 | -8.4% |
| Wisconsin | $900 | -$404 | -31.0% |
| Wyoming | $1,162 | -$142 | -10.9% |
Choosing high deductibles could cut prices by as much as $450 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,238 | $103 |
| BMW X6 50I AWD | $1,282 | $107 |
| BMW X6 ActiveHybrid AWD | $1,338 | $112 |
| BMW X6 M AWD | $1,368 | $114 |
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 | $450 | $840 | $390 | $1,838 |
| 2023 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2022 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2021 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2020 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2019 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2018 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2017 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2016 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2015 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2014 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2013 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2012 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2011 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2010 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2009 BMW X6 | $226 | $298 | $468 | $1,150 |
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 Cheap BMW X6 Insurance
Finding better rates on insurance for a BMW X6 requires being a good driver, having a positive credit history, being claim-free, and maximizing policy discounts. Shop around every time your policy renews by obtaining price quotes from direct companies, and also from several local insurance agents.
The following list is a brief summary of the information illustrated above.
- You may be able to save as much as $150 per year simply by shopping early and online
- Drivers age 16 to 20 are expensive to insure, possibly costing $414 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $450 each year
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,500 more each year than a safer driver
- Insureds who require an increased level of liability coverage will pay about $530 every year to increase 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.
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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 | $4,972 |
| 20 | $2,974 |
| 30 | $1,346 |
| 40 | $1,304 |
| 50 | $1,194 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,594 |
| $250 | $1,460 |
| $500 | $1,304 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,304 |
| 50/100 | $1,464 |
| 100/300 | $1,583 |
| 250/500 | $1,894 |
| 100 CSL | $1,511 |
| 300 CSL | $1,774 |
| 500 CSL | $1,966 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,068 |
| 20 | $4,742 |
| 30 | $2,856 |
| 40 | $2,808 |
| 50 | $2,680 |
| 60 | $2,654 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $92 |
| Total Discounts | $539 |
Discounts are estimated and may not be available from every company or in every state.
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