BMW X6 Insurance Rates

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 for full coverage insurance. Comprehensive costs on average $248, collision costs $366, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,684. Teenage drivers pay the highest rates at $4,792 a year or more.

Average premium for full coverage: $1,246

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different X6 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated BMW X6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $736
• Choosing higher $1,000 deductibles can save around $138 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,246
• Using more expensive low deductibles for comp and collision coverage will cost $1,516
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,684 or more
• The price with full coverage for a teen driver with full coverage may cost $4,792 each year

View Chart as Image

Insurance prices for a BMW X6 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $410 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for BMW X6 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Cheapest BMW X6 Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and bundling your home and auto policies. Spend time shopping around at every policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the data touched on above.

• Policyholders who require increased liability limits will pay an extra $520 annually to raise limits from a low limit to higher 250/500 limits
• It is possible to save as much as $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $400 each year
• Drivers under the age of 20 pay the highest prices, as much as $399 a month including comprehensive and collision 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.

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.

• Mercedes-Benz CLA 250 Insurance Rates
• Tesla Model 3 Insurance Rates
• Volvo S60 Insurance 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.