BMW X6 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $366
Collision $698
Liability $452

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.

Liability Only $504
Full Coverage $1,674
High Risk $3,640

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.

Rural Areas $1,256
Small Cities $1,758
Large Cities $2,260

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

View Chart as Image

BMW X6 insurance cost comparison chart
Column chart showing full coverage BMW X6 insurance rates range from $944 to $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.

BMW X6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,512 -$162 -9.7%
Alaska $1,284 -$390 -23.3%
Arizona $1,390 -$284 -17.0%
Arkansas $1,674 -$0 0.0%
California $1,908 $234 14.0%
Colorado $1,598 -$76 -4.5%
Connecticut $1,722 $48 2.9%
Delaware $1,894 $220 13.1%
Florida $2,094 $420 25.1%
Georgia $1,544 -$130 -7.8%
Hawaii $1,202 -$472 -28.2%
Idaho $1,132 -$542 -32.4%
Illinois $1,246 -$428 -25.6%
Indiana $1,260 -$414 -24.7%
Iowa $1,130 -$544 -32.5%
Kansas $1,590 -$84 -5.0%
Kentucky $2,284 $610 36.4%
Louisiana $2,478 $804 48.0%
Maine $1,032 -$642 -38.4%
Maryland $1,380 -$294 -17.6%
Massachusetts $1,338 -$336 -20.1%
Michigan $2,908 $1,234 73.7%
Minnesota $1,400 -$274 -16.4%
Mississippi $2,004 $330 19.7%
Missouri $1,484 -$190 -11.4%
Montana $1,798 $124 7.4%
Nebraska $1,320 -$354 -21.1%
Nevada $2,008 $334 20.0%
New Hampshire $1,208 -$466 -27.8%
New Jersey $1,870 $196 11.7%
New Mexico $1,482 -$192 -11.5%
New York $1,762 $88 5.3%
North Carolina $964 -$710 -42.4%
North Dakota $1,372 -$302 -18.0%
Ohio $1,156 -$518 -30.9%
Oklahoma $1,718 $44 2.6%
Oregon $1,534 -$140 -8.4%
Pennsylvania $1,598 -$76 -4.5%
Rhode Island $2,234 $560 33.5%
South Carolina $1,516 -$158 -9.4%
South Dakota $1,412 -$262 -15.7%
Tennessee $1,464 -$210 -12.5%
Texas $2,016 $342 20.4%
Utah $1,238 -$436 -26.0%
Vermont $1,146 -$528 -31.5%
Virginia $1,002 -$672 -40.1%
Washington $1,292 -$382 -22.8%
West Virginia $1,534 -$140 -8.4%
Wisconsin $1,160 -$514 -30.7%
Wyoming $1,492 -$182 -10.9%

View Chart as Image

BMW X6 insurance rates by U.S. city

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

BMW X6 Insurance Rates by Model and Trim Level
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.

BMW X6 Insurance Rates by Model Year
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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $6,162
20 $3,876
30 $1,752
40 $1,674
50 $1,528
60 $1,500

Full coverage, $500 deductibles

Rates by Deductible

BMW X6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,146
$250 $1,926
$500 $1,674
$1,000 $1,432

Full coverage, driver age 40

Rates by Liability Limit

BMW X6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,674
50/100 $1,870
100/300 $1,983
250/500 $2,277
100 CSL $1,916
300 CSL $2,164
500 CSL $2,345

Full coverage, driver age 40

Rates for High Risk Drivers

BMW X6 Insurance Rates for High Risk Drivers
Age Premium
16 $8,832
20 $6,180
30 $3,728
40 $3,640
50 $3,474
60 $3,446

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 $239

Potential Rate Discounts

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

Discount Savings
Multi-policy $91
Multi-vehicle $89
Homeowner $24
5-yr Accident Free $129
5-yr Claim Free $110
Paid in Full/EFT $80
Advance Quote $86
Online Quote $121
Total Discounts $730
Rate after discounts $944

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles