BMW X6 Insurance Rates
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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 insurance prices for a BMW X6 are $1,674 every 12 months for full coverage insurance. Comprehensive costs an estimated $366 a year, collision costs $698, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $3,640. Teens receive the highest rates at $6,162 a year or more.
Average premium for full coverage: $1,674
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and X6 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $504 for liability-only coverage to a high of $3,640 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These examples illustrate why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 Charts and Tables
The chart below illustrates estimated BMW X6 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $944
- Raising to $1,000 deductibles will save approximately $1,432 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,674
- Selecting low $100 deductibles increases the price to $2,146
- Drivers with serious driving violations could pay up to $3,640 or more
- The cost to insure a 16-year-old driver can cost as much as $6,162
Insurance rates for a BMW X6 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $720 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 133% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on BMW X6 insurance prices. A middle-age driver might find rates as low as $1,090 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,260 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Every auto insurance company calculates rates differently, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|BMW X6 35I AWD||$1,568||$131|
|BMW X6 50I AWD||$1,640||$137|
|BMW X6 ActiveHybrid AWD||$1,734||$145|
|BMW X6 M AWD||$1,780||$148|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 BMW X6||$366||$698||$452||$1,674|
|2013 BMW X6||$304||$508||$464||$1,434|
|2011 BMW X6||$274||$440||$474||$1,346|
|2009 BMW X6||$248||$366||$474||$1,246|
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 Shop for More Affordable BMW X6 Insurance
Saving money on insurance for a BMW X6 consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a summary of the coverage data touched on in the above illustrations.
- It is possible to save approximately $210 per year simply by quoting early and online
- Increasing deductibles could save as much as $725 each year
- Youthful drivers are charged the highest rates, costing up to $514 per month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,970 more annually than a low-risk driver
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$129|
|5-yr Claim Free||$110|
|Paid in Full/EFT||$80|
Discounts are estimated and may not be available from every company or in every state.
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