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 prices for a BMW X6 are $1,304 every 12 months for full coverage. Comprehensive insurance costs around $268, collision insurance costs $400, and liability insurance costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage costs $2,808 or more. Teens cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,304

Policy rates for type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all X6 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below shows average BMW X6 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $765
• Using higher $1,000 deductibles will save about $152 a year
• The average price for a good driver age 40 using $500 deductibles is $1,304
• Selecting pricier low deductibles for physical damage coverage costs an extra $290 a year
• Drivers with serious driving violations could pay at least $2,808
• Policy cost to insure a teen driver for full coverage can be $4,972 or more

View Chart as Image

Insurance rates for a BMW X6 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. BMW X6 insurance for high-risk drivers can be anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on BMW X6 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,860 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for the Right BMW X6 Insurance

Finding cheaper rates on BMW X6 insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a quick rundown of the data that was touched on above.

• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• Drivers who may need an increased level of liability coverage will pay approximately $530 each year to increase from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, costing up to $414 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,500 more every year than a safer 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.

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.