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.

The average insurance rates for a BMW X6 are $1,304 a year including full coverage. Comprehensive costs on average $268 a year, collision insurance costs $400, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs around $2,808. 16-year-old drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,304

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location, instead of using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average BMW X6 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $765
• Choosing higher $1,000 deductibles can save around $1,152 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,304
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,594
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,808
• Policy cost that insures a teen driver may cost $4,972 each year

View Chart as Image

Auto insurance rates for a BMW X6 also range considerably based on the trim level of your X6, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for BMW X6 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,860 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $450 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

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 Find the Best BMW X6 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief recap of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,500 more each year to insure their X6
• You may be able to save as much as $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Policyholders who require more liability coverage will pay around $530 per year to raise limits from a 30/60 limit to the 250/500 level

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.