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 $1,346 a year with full coverage. Comprehensive costs around $274 a year, collision costs $440, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,910. 16-year-old drivers cost the most to insure at $5,124 a year or more.

Average premium for full coverage: $1,346

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and risk profile, rather than using rate averages.

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

More Rate Details

The chart below details estimated BMW X6 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $785
• Using higher $1,000 deductibles will save about $1,184 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,346
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,660
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,910 or more
• Policy cost for full coverage for a teenage driver can be $5,124 or more

View Chart as Image

Auto insurance rates for a BMW X6 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on BMW X6 insurance rates. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,820 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $480 a year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Cheap BMW X6 Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a quick review of the primary concepts that were touched on in this article.

• You may be able to save up to $160 per year simply by quoting early and online
• Drivers with a DUI or reckless driving violation pay an average of $1,560 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $475 each year
• Youthful drivers are expensive to insure, as much as $427 each month if they have full coverage

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.