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.
U.S. average insurance prices for a BMW X6 are $1,346 every 12 months for full coverage insurance. Comprehensive costs approximately $274 each year, collision costs $440, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,910. Teens pay the highest rates at $5,124 a year or more.
Average premium for full coverage: $1,346
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and X6 models.
Price Range from Low to High
For a 40-year-old driver, BMW X6 insurance prices go from the cheapest price of $522 for your basic liability-only policy to a high rate of $2,910 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance prices.
The ranges above illustrate why all drivers should get quotes using their specific location and their own driving history, rather than relying on averaged prices.
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 Information
The chart below illustrates estimated BMW X6 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $785
- Choosing higher $1,000 deductibles can save $162 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,346
- Selecting low deductibles for comp and collision coverage increases the price to $1,660
- High-risk insureds with serious driving violations could pay around $2,910 or more
- The price to insure a teen driver can cost $5,124 each year
Insurance prices for a BMW X6 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your X6.
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for BMW X6 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,218 | -$128 | -9.5% |
| Alaska | $1,032 | -$314 | -23.3% |
| Arizona | $1,118 | -$228 | -16.9% |
| Arkansas | $1,346 | -$0 | 0.0% |
| California | $1,534 | $188 | 14.0% |
| Colorado | $1,286 | -$60 | -4.5% |
| Connecticut | $1,384 | $38 | 2.8% |
| Delaware | $1,524 | $178 | 13.2% |
| Florida | $1,686 | $340 | 25.3% |
| Georgia | $1,242 | -$104 | -7.7% |
| Hawaii | $968 | -$378 | -28.1% |
| Idaho | $910 | -$436 | -32.4% |
| Illinois | $1,002 | -$344 | -25.6% |
| Indiana | $1,012 | -$334 | -24.8% |
| Iowa | $910 | -$436 | -32.4% |
| Kansas | $1,280 | -$66 | -4.9% |
| Kentucky | $1,838 | $492 | 36.6% |
| Louisiana | $1,992 | $646 | 48.0% |
| Maine | $832 | -$514 | -38.2% |
| Maryland | $1,110 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$268 | -19.9% |
| Michigan | $2,340 | $994 | 73.8% |
| Minnesota | $1,126 | -$220 | -16.3% |
| Mississippi | $1,612 | $266 | 19.8% |
| Missouri | $1,196 | -$150 | -11.1% |
| Montana | $1,448 | $102 | 7.6% |
| Nebraska | $1,062 | -$284 | -21.1% |
| Nevada | $1,616 | $270 | 20.1% |
| New Hampshire | $970 | -$376 | -27.9% |
| New Jersey | $1,504 | $158 | 11.7% |
| New Mexico | $1,194 | -$152 | -11.3% |
| New York | $1,420 | $74 | 5.5% |
| North Carolina | $776 | -$570 | -42.3% |
| North Dakota | $1,102 | -$244 | -18.1% |
| Ohio | $930 | -$416 | -30.9% |
| Oklahoma | $1,384 | $38 | 2.8% |
| Oregon | $1,234 | -$112 | -8.3% |
| Pennsylvania | $1,286 | -$60 | -4.5% |
| Rhode Island | $1,796 | $450 | 33.4% |
| South Carolina | $1,220 | -$126 | -9.4% |
| South Dakota | $1,138 | -$208 | -15.5% |
| Tennessee | $1,180 | -$166 | -12.3% |
| Texas | $1,622 | $276 | 20.5% |
| Utah | $998 | -$348 | -25.9% |
| Vermont | $924 | -$422 | -31.4% |
| Virginia | $806 | -$540 | -40.1% |
| Washington | $1,042 | -$304 | -22.6% |
| West Virginia | $1,234 | -$112 | -8.3% |
| Wisconsin | $932 | -$414 | -30.8% |
| Wyoming | $1,200 | -$146 | -10.8% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X6 35I AWD | $1,276 | $106 |
| BMW X6 50I AWD | $1,322 | $110 |
| BMW X6 ActiveHybrid AWD | $1,386 | $116 |
| BMW X6 M AWD | $1,418 | $118 |
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 | $472 | $874 | $372 | $1,876 |
| 2023 BMW X6 | $450 | $840 | $390 | $1,838 |
| 2022 BMW X6 | $432 | $834 | $398 | $1,822 |
| 2021 BMW X6 | $418 | $814 | $416 | $1,806 |
| 2020 BMW X6 | $402 | $780 | $430 | $1,770 |
| 2019 BMW X6 | $380 | $752 | $442 | $1,732 |
| 2018 BMW X6 | $366 | $698 | $452 | $1,674 |
| 2017 BMW X6 | $352 | $658 | $456 | $1,624 |
| 2016 BMW X6 | $336 | $590 | $460 | $1,544 |
| 2015 BMW X6 | $314 | $542 | $460 | $1,474 |
| 2014 BMW X6 | $304 | $508 | $464 | $1,434 |
| 2013 BMW X6 | $296 | $474 | $474 | $1,402 |
| 2012 BMW X6 | $274 | $440 | $474 | $1,346 |
| 2011 BMW X6 | $268 | $400 | $478 | $1,304 |
| 2010 BMW X6 | $248 | $366 | $474 | $1,246 |
| 2009 BMW X6 | $234 | $332 | $474 | $1,198 |
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 Shop for Affordable BMW X6 Insurance
Getting lower rates on BMW X6 insurance takes being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a brief review of the ideas that were illustrated above.
- Teen drivers are expensive to insure, as much as $427 a month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,560 more per year to insure their X6
- Increasing physical damage deductibles could save as much as $475 each year
- It is possible to save around $160 per year simply by quoting online in advance
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 | $5,124 |
| 20 | $3,088 |
| 30 | $1,394 |
| 40 | $1,346 |
| 50 | $1,232 |
| 60 | $1,208 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,516 |
| $500 | $1,346 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,346 |
| 50/100 | $1,513 |
| 100/300 | $1,631 |
| 250/500 | $1,939 |
| 100 CSL | $1,560 |
| 300 CSL | $1,821 |
| 500 CSL | $2,011 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,288 |
| 20 | $4,924 |
| 30 | $2,962 |
| 40 | $2,910 |
| 50 | $2,778 |
| 60 | $2,750 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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