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.
U.S. average insurance rates for a BMW X6 are $1,304 a year including full coverage. Comprehensive costs an estimated $268, collision insurance costs $400, and liability coverage is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs around $2,808. Teen drivers pay the highest rates at up to $4,972 a year.
Average premium for full coverage: $1,304
Price estimates broken down by individual coverage:
Includes $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different X6 trim levels.
Price Range from Low to High
For the average 40-year-old driver, BMW X6 insurance prices range from the low end price of $526 for a discount liability-only rate to a much higher rate of $2,808 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.
The ranges above highlight why anyone shopping for car insurance should get quotes for a targeted area, rather than using 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.
Rates by State, City, and Model
The chart below breaks down average BMW X6 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $765
- Choosing higher $1,000 deductibles can save approximately $152 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,304
- Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,594
- Drivers with multiple violations and an at-fault accident could pay up to $2,808
- The price that insures a teenage driver with full coverage can cost as much as $4,972 each year
Car insurance prices for a BMW X6 are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges around 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 only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,860 on average in Louisiana, New York, and Michigan.
| 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 can save as much as $450 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
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 the Cheapest BMW X6 Insurance
Getting lower rates on auto insurance takes not taking risks behind the wheel, having a positive credit history, being claim-free, and possibly higher deductibles. Shop around at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a recap of the concepts that were touched on in this article.
- Drivers that have major violations or accidents could be charged and average of $1,500 more annually for X6 insurance
- Teens have the highest car insurance prices, possibly costing $414 a month if full coverage is purchased
- You may be able to save approximately $150 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $450 each year
- You may be able to save approximately $150 per year just by shopping early and online
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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