BMW X6 Insurance Rates
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Michelle Robbins
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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.
U.S. average auto insurance rates for a BMW X6 are $1,246 annually with full coverage. Comprehensive insurance costs an estimated $248 each year, collision insurance costs $366, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,684 or more. Teen drivers pay the highest rates at up to $4,792 a year.
Average premium for full coverage: $1,246
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and X6 models.
Price Range from Low to High
For the normal driver, BMW X6 insurance prices range from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,684 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. More rural locations have fewer collision claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.
The ranges above demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, 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 Details
The chart below details average BMW X6 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $736
- Using higher $1,000 deductibles will save approximately $138 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,246
- Choosing low deductibles for physical damage coverage costs an additional $270 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,684
- The price with full coverage for a 16-year-old driver can cost as much as $4,792 or more
Auto insurance prices for a BMW X6 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 44% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $410 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on BMW X6 insurance prices. 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,126 | -$120 | -9.6% |
| Alaska | $954 | -$292 | -23.4% |
| Arizona | $1,034 | -$212 | -17.0% |
| Arkansas | $1,246 | -$0 | 0.0% |
| California | $1,422 | $176 | 14.1% |
| Colorado | $1,192 | -$54 | -4.3% |
| Connecticut | $1,282 | $36 | 2.9% |
| Delaware | $1,412 | $166 | 13.3% |
| Florida | $1,562 | $316 | 25.4% |
| Georgia | $1,150 | -$96 | -7.7% |
| Hawaii | $894 | -$352 | -28.3% |
| Idaho | $842 | -$404 | -32.4% |
| Illinois | $928 | -$318 | -25.5% |
| Indiana | $938 | -$308 | -24.7% |
| Iowa | $842 | -$404 | -32.4% |
| Kansas | $1,186 | -$60 | -4.8% |
| Kentucky | $1,702 | $456 | 36.6% |
| Louisiana | $1,844 | $598 | 48.0% |
| Maine | $770 | -$476 | -38.2% |
| Maryland | $1,028 | -$218 | -17.5% |
| Massachusetts | $996 | -$250 | -20.1% |
| Michigan | $2,166 | $920 | 73.8% |
| Minnesota | $1,042 | -$204 | -16.4% |
| Mississippi | $1,492 | $246 | 19.7% |
| Missouri | $1,104 | -$142 | -11.4% |
| Montana | $1,340 | $94 | 7.5% |
| Nebraska | $982 | -$264 | -21.2% |
| Nevada | $1,494 | $248 | 19.9% |
| New Hampshire | $898 | -$348 | -27.9% |
| New Jersey | $1,392 | $146 | 11.7% |
| New Mexico | $1,104 | -$142 | -11.4% |
| New York | $1,314 | $68 | 5.5% |
| North Carolina | $718 | -$528 | -42.4% |
| North Dakota | $1,022 | -$224 | -18.0% |
| Ohio | $860 | -$386 | -31.0% |
| Oklahoma | $1,282 | $36 | 2.9% |
| Oregon | $1,142 | -$104 | -8.3% |
| Pennsylvania | $1,192 | -$54 | -4.3% |
| Rhode Island | $1,662 | $416 | 33.4% |
| South Carolina | $1,130 | -$116 | -9.3% |
| South Dakota | $1,052 | -$194 | -15.6% |
| Tennessee | $1,092 | -$154 | -12.4% |
| Texas | $1,502 | $256 | 20.5% |
| Utah | $922 | -$324 | -26.0% |
| Vermont | $854 | -$392 | -31.5% |
| Virginia | $748 | -$498 | -40.0% |
| Washington | $964 | -$282 | -22.6% |
| West Virginia | $1,142 | -$104 | -8.3% |
| Wisconsin | $864 | -$382 | -30.7% |
| Wyoming | $1,112 | -$134 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,186 | $99 |
| BMW X6 50I AWD | $1,228 | $102 |
| BMW X6 ActiveHybrid AWD | $1,280 | $107 |
| BMW X6 M AWD | $1,308 | $109 |
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 | $432 | $834 | $398 | $1,822 |
| 2023 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2022 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2021 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2020 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2019 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2018 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2017 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2016 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2015 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2014 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2013 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2012 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2011 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2010 BMW X6 | $226 | $298 | $468 | $1,150 |
| 2009 BMW X6 | $224 | $292 | $460 | $1,134 |
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 Buy Affordable BMW X6 Insurance
Getting lower rates on insurance for a BMW X6 requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief review of the data that was presented in the illustrations above.
- You may be able to save approximately $150 per year just by quoting online in advance
- Insureds who want higher levels of liability will pay about $520 every year to increase from a low limit to higher 250/500 limits
- Teenage drivers are the costliest to insure, costing up to $399 a month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,440 more annually for auto insurance
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 | $4,792 |
| 20 | $2,846 |
| 30 | $1,286 |
| 40 | $1,246 |
| 50 | $1,140 |
| 60 | $1,116 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,516 |
| $250 | $1,392 |
| $500 | $1,246 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,246 |
| 50/100 | $1,403 |
| 100/300 | $1,521 |
| 250/500 | $1,829 |
| 100 CSL | $1,450 |
| 300 CSL | $1,711 |
| 500 CSL | $1,901 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,536 |
| 30 | $2,726 |
| 40 | $2,684 |
| 50 | $2,564 |
| 60 | $2,538 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $87 |
| Total Discounts | $510 |
Discounts are estimated and may not be available from every company or in every state.
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