BMW X6 Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Estimated insurance rates for a BMW X6 are $1,304 a year with full coverage. Comprehensive costs approximately $268 a year, collision costs $400, and liability coverage costs around $478. Liability-only insurance costs as low as $526 a year, with high-risk driver insurance costing around $2,808. 16-year-old drivers pay the most at $4,972 a year or more.
Average premium for full coverage: $1,304
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and X6 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW X6 go from the low end price of $526 for just liability insurance to a high of $2,808 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities.
The diagram below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why it is important to compare prices using their specific location, rather than using rate averages.
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.
More Rate Details
The chart below details estimated BMW X6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $765
- Using higher $1,000 deductibles will save $1,152 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,304
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,594
- Higher-risk drivers with multiple tickets or accidents could pay around $2,808 or more
- An auto insurance policy that insures a teenage driver can cost $4,972 or more
Insurance prices for a BMW X6 also have a wide range based on the trim level of your X6, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 128% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
Where you choose to live has a huge impact on BMW X6 insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,760 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,180 | -$124 | -9.5% |
| Alaska | $998 | -$306 | -23.5% |
| Arizona | $1,082 | -$222 | -17.0% |
| Arkansas | $1,304 | -$0 | 0.0% |
| California | $1,484 | $180 | 13.8% |
| Colorado | $1,246 | -$58 | -4.4% |
| Connecticut | $1,338 | $34 | 2.6% |
| Delaware | $1,474 | $170 | 13.0% |
| Florida | $1,630 | $326 | 25.0% |
| Georgia | $1,202 | -$102 | -7.8% |
| Hawaii | $936 | -$368 | -28.2% |
| Idaho | $882 | -$422 | -32.4% |
| Illinois | $972 | -$332 | -25.5% |
| Indiana | $982 | -$322 | -24.7% |
| Iowa | $878 | -$426 | -32.7% |
| Kansas | $1,240 | -$64 | -4.9% |
| Kentucky | $1,778 | $474 | 36.3% |
| Louisiana | $1,928 | $624 | 47.9% |
| Maine | $802 | -$502 | -38.5% |
| Maryland | $1,074 | -$230 | -17.6% |
| Massachusetts | $1,044 | -$260 | -19.9% |
| Michigan | $2,264 | $960 | 73.6% |
| Minnesota | $1,090 | -$214 | -16.4% |
| Mississippi | $1,562 | $258 | 19.8% |
| Missouri | $1,158 | -$146 | -11.2% |
| Montana | $1,402 | $98 | 7.5% |
| Nebraska | $1,028 | -$276 | -21.2% |
| Nevada | $1,562 | $258 | 19.8% |
| New Hampshire | $938 | -$366 | -28.1% |
| New Jersey | $1,456 | $152 | 11.7% |
| New Mexico | $1,152 | -$152 | -11.7% |
| New York | $1,374 | $70 | 5.4% |
| North Carolina | $750 | -$554 | -42.5% |
| North Dakota | $1,066 | -$238 | -18.3% |
| Ohio | $900 | -$404 | -31.0% |
| Oklahoma | $1,338 | $34 | 2.6% |
| Oregon | $1,192 | -$112 | -8.6% |
| Pennsylvania | $1,244 | -$60 | -4.6% |
| Rhode Island | $1,738 | $434 | 33.3% |
| South Carolina | $1,180 | -$124 | -9.5% |
| South Dakota | $1,100 | -$204 | -15.6% |
| Tennessee | $1,142 | -$162 | -12.4% |
| Texas | $1,572 | $268 | 20.6% |
| Utah | $966 | -$338 | -25.9% |
| Vermont | $892 | -$412 | -31.6% |
| Virginia | $780 | -$524 | -40.2% |
| Washington | $1,006 | -$298 | -22.9% |
| West Virginia | $1,194 | -$110 | -8.4% |
| Wisconsin | $900 | -$404 | -31.0% |
| Wyoming | $1,162 | -$142 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $450 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,238 | $103 |
| BMW X6 50I AWD | $1,282 | $107 |
| BMW X6 ActiveHybrid AWD | $1,338 | $112 |
| BMW X6 M AWD | $1,368 | $114 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW X6 | $450 | $840 | $390 | $1,838 |
| 2023 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2022 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2021 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2020 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2019 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2018 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2017 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2016 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2015 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2014 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2013 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2012 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2011 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2010 BMW X6 | $234 | $332 | $474 | $1,198 |
| 2009 BMW X6 | $226 | $298 | $468 | $1,150 |
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 Find Low Cost BMW X6 Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop every other policy renewal by getting quotes from direct companies, and also from local insurance agencies.
The points below are a review of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 are the costliest to insure, possibly costing $414 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may have to pay on average $1,500 more per year to insure a BMW X6
- Increasing policy deductibles can save approximately $450 each year
- You may be able to save around $150 per year simply by quoting early and online
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.
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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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,972 |
| 20 | $2,974 |
| 30 | $1,346 |
| 40 | $1,304 |
| 50 | $1,194 |
| 60 | $1,168 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,594 |
| $250 | $1,460 |
| $500 | $1,304 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,304 |
| 50/100 | $1,464 |
| 100/300 | $1,583 |
| 250/500 | $1,894 |
| 100 CSL | $1,511 |
| 300 CSL | $1,774 |
| 500 CSL | $1,966 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,068 |
| 20 | $4,742 |
| 30 | $2,856 |
| 40 | $2,808 |
| 50 | $2,680 |
| 60 | $2,654 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $92 |
| Total Discounts | $539 |
Discounts are estimated and may not be available from every company or in every state.
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