BMW X6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 11, 2019

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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.

Average auto insurance rates for a BMW X6 are $1,624 annually including full coverage. Comprehensive costs an estimated $352 a year, collision insurance costs $658, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs around $3,526. 16-year-old drivers receive the highest rates at up to $6,002 a year.

Average premium for full coverage: $1,624

Rate estimates broken down by individual coverage type:

Comprehensive $352
Collision $658
Liability $456

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and X6 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $508 for just liability coverage to a high of $3,526 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,624
High Risk $3,526

Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $1,218
Small Cities $1,705
Large Cities $2,192

These examples highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate 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.

Detailed Rate Analysis

The chart below breaks down average BMW X6 insurance rates for other coverage scenarios.

  • The best full coverage rate is $920
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,394 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,624
  • Buying low $100 deductibles for comprehensive and collision insurance will cost $2,070
  • Drivers with multiple tickets or accidents could pay up to $3,526
  • The cost with full coverage for a 16-year-old driver can cost as much as $6,002 a year

View Chart as Image

BMW X6 insurance cost comparison chart
Column chart showing BMW X6 insurance rates range from $920 to $6,002 for full coverage

Insurance rates for a BMW X6 can also vary considerably based on the trim level of your X6, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $6,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $680 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $1,250 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,320 on average in Louisiana, New York, and Michigan.

BMW X6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,468 -$156 -9.6%
Alaska $1,246 -$378 -23.3%
Arizona $1,348 -$276 -17.0%
Arkansas $1,624 -$0 0.0%
California $1,850 $226 13.9%
Colorado $1,552 -$72 -4.4%
Connecticut $1,670 $46 2.8%
Delaware $1,838 $214 13.2%
Florida $2,032 $408 25.1%
Georgia $1,498 -$126 -7.8%
Hawaii $1,166 -$458 -28.2%
Idaho $1,098 -$526 -32.4%
Illinois $1,210 -$414 -25.5%
Indiana $1,222 -$402 -24.8%
Iowa $1,096 -$528 -32.5%
Kansas $1,542 -$82 -5.0%
Kentucky $2,214 $590 36.3%
Louisiana $2,402 $778 47.9%
Maine $1,002 -$622 -38.3%
Maryland $1,338 -$286 -17.6%
Massachusetts $1,298 -$326 -20.1%
Michigan $2,820 $1,196 73.6%
Minnesota $1,358 -$266 -16.4%
Mississippi $1,944 $320 19.7%
Missouri $1,440 -$184 -11.3%
Montana $1,744 $120 7.4%
Nebraska $1,278 -$346 -21.3%
Nevada $1,946 $322 19.8%
New Hampshire $1,170 -$454 -28.0%
New Jersey $1,812 $188 11.6%
New Mexico $1,438 -$186 -11.5%
New York $1,710 $86 5.3%
North Carolina $934 -$690 -42.5%
North Dakota $1,328 -$296 -18.2%
Ohio $1,120 -$504 -31.0%
Oklahoma $1,666 $42 2.6%
Oregon $1,486 -$138 -8.5%
Pennsylvania $1,548 -$76 -4.7%
Rhode Island $2,164 $540 33.3%
South Carolina $1,470 -$154 -9.5%
South Dakota $1,368 -$256 -15.8%
Tennessee $1,422 -$202 -12.4%
Texas $1,956 $332 20.4%
Utah $1,202 -$422 -26.0%
Vermont $1,112 -$512 -31.5%
Virginia $972 -$652 -40.1%
Washington $1,256 -$368 -22.7%
West Virginia $1,486 -$138 -8.5%
Wisconsin $1,126 -$498 -30.7%
Wyoming $1,446 -$178 -11.0%

View Chart as Image

BMW X6 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

BMW X6 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
BMW X6 35I AWD $1,522 $127
BMW X6 50I AWD $1,590 $133
BMW X6 ActiveHybrid AWD $1,680 $140
BMW X6 M AWD $1,724 $144

Rates assume 2017 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.

BMW X6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 BMW X6 $352 $658 $456 $1,624
2013 BMW X6 $296 $474 $474 $1,402
2011 BMW X6 $268 $400 $478 $1,304
2009 BMW X6 $234 $332 $474 $1,198

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 the Best BMW X6 Insurance

Saving money on insurance for a BMW X6 not only requires being a good driver, but also having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a brief recap of the concepts that were touched on in this article.

  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,900 more annually than a safer driver
  • Drivers age 16 to 20 are expensive to insure, as much as $500 per month if they have full coverage
  • You may be able to save approximately $200 per year just by quoting early and online
  • Increasing deductibles could save up to $675 each year
  • You may be able to save approximately $200 per year just by quoting 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.

Rates by Driver Age

BMW X6 Insurance Rates by Driver Age
Driver Age Premium
16 $6,002
20 $3,754
30 $1,696
40 $1,624
50 $1,482
60 $1,454

Full coverage, $500 deductibles

Rates by Deductible

BMW X6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,070
$250 $1,862
$500 $1,624
$1,000 $1,394

Full coverage, driver age 40

Rates by Liability Limit

BMW X6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,624
50/100 $1,815
100/300 $1,929
250/500 $2,226
100 CSL $1,861
300 CSL $2,112
500 CSL $2,294

Full coverage, driver age 40

Rates for High Risk Drivers

BMW X6 Insurance Rates for High Risk Drivers
Age Premium
16 $8,596
20 $5,984
30 $3,608
40 $3,526
50 $3,368
60 $3,338

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.

SR-22 Surcharge $231

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $88
Multi-vehicle $86
Homeowner $24
5-yr Accident Free $123
5-yr Claim Free $107
Paid in Full/EFT $77
Advance Quote $82
Online Quote $117
Total Discounts $704
Rate after discounts $920

Discounts are estimated and may not be available from every company or in every state.

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