BMW IX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a BMW iX are $1,858 annually with full coverage. Comprehensive insurance costs around $442 a year, collision costs $842, and liability costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing $4,038 or more. Teenage drivers pay the highest rates at $6,676 a year or more.

Average premium for full coverage: $1,858

Price estimates for individual coverage:

Comprehensive $442
Collision $842
Liability $416

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and iX trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, BMW iX insurance prices go from as cheap as $474 for just the minimum liability insurance to a high of $4,038 for a high-risk driver policy.

Liability Only $474
Full Coverage $1,858
High Risk $4,038

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

Rural Areas $1,394
Small Cities $1,951
Large Cities $2,508

The ranges above demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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.

Additional Rate Analysis

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

  • The best discount rate is $1,037
  • Drivers who choose higher $1,000 deductibles will pay about $1,568 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,858
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $566 annually
  • Drivers who are prone to accidents and violations could pay at least $4,038 or more
  • The price with full coverage for a 16-year-old driver can be $6,676 a year

View Chart as Image

BMW iX insurance cost comparison chart
Column chart showing full coverage BMW iX insurance prices range from $1,037 to $6,676

Insurance prices for a BMW iX are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $2,200 to $3,000 additional each year, depending on your age. A high-risk auto insurance policy can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $860 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in BMW iX insurance prices. A 40-year-old driver could pay as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,510 on average in Florida, Michigan, and New York.

BMW iX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,680 -$178 -9.6%
Alaska $1,426 -$432 -23.3%
Arizona $1,544 -$314 -16.9%
Arkansas $1,858 -$0 0.0%
California $2,118 $260 14.0%
Colorado $1,776 -$82 -4.4%
Connecticut $1,912 $54 2.9%
Delaware $2,102 $244 13.1%
Florida $2,324 $466 25.1%
Georgia $1,716 -$142 -7.6%
Hawaii $1,334 -$524 -28.2%
Idaho $1,258 -$600 -32.3%
Illinois $1,386 -$472 -25.4%
Indiana $1,400 -$458 -24.7%
Iowa $1,254 -$604 -32.5%
Kansas $1,768 -$90 -4.8%
Kentucky $2,536 $678 36.5%
Louisiana $2,752 $894 48.1%
Maine $1,146 -$712 -38.3%
Maryland $1,534 -$324 -17.4%
Massachusetts $1,486 -$372 -20.0%
Michigan $3,228 $1,370 73.7%
Minnesota $1,556 -$302 -16.3%
Mississippi $2,226 $368 19.8%
Missouri $1,650 -$208 -11.2%
Montana $1,998 $140 7.5%
Nebraska $1,466 -$392 -21.1%
Nevada $2,228 $370 19.9%
New Hampshire $1,340 -$518 -27.9%
New Jersey $2,078 $220 11.8%
New Mexico $1,646 -$212 -11.4%
New York $1,956 $98 5.3%
North Carolina $1,070 -$788 -42.4%
North Dakota $1,522 -$336 -18.1%
Ohio $1,284 -$574 -30.9%
Oklahoma $1,908 $50 2.7%
Oregon $1,702 -$156 -8.4%
Pennsylvania $1,774 -$84 -4.5%
Rhode Island $2,478 $620 33.4%
South Carolina $1,682 -$176 -9.5%
South Dakota $1,568 -$290 -15.6%
Tennessee $1,628 -$230 -12.4%
Texas $2,240 $382 20.6%
Utah $1,376 -$482 -25.9%
Vermont $1,272 -$586 -31.5%
Virginia $1,114 -$744 -40.0%
Washington $1,436 -$422 -22.7%
West Virginia $1,702 -$156 -8.4%
Wisconsin $1,286 -$572 -30.8%
Wyoming $1,656 -$202 -10.9%

View Chart as Image

BMW iX insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different between companies.

BMW iX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW iX $476 $870 $390 $1,894
2023 BMW iX $458 $864 $398 $1,878
2022 BMW iX $442 $842 $416 $1,858
2021 BMW iX $426 $808 $430 $1,822

Rates are averaged for all BMW iX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right BMW iX Insurance

Getting lower rates on insurance for a BMW iX not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick rundown of the information touched on in the above illustrations.

  • You may be able to save up to $230 per year simply by quoting early and online
  • Teen drivers are charged the highest prices, costing up to $556 a month if they have full coverage
  • Increasing physical damage deductibles could save up to $850 each year
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,180 more every year to insure their iX
  • Insureds who may need more liability coverage will pay an extra $460 every year to go from a low limit to higher 250/500 limits

Rates by Driver Age

BMW iX Insurance Rates by Driver Age
Driver Age Premium
16 $6,676
20 $4,298
30 $1,960
40 $1,858
50 $1,692
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

BMW iX Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,424
$250 $2,162
$500 $1,858
$1,000 $1,568

Full coverage, driver age 40

Rates by Liability Limit

BMW iX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,858
50/100 $1,941
100/300 $2,045
250/500 $2,316
100 CSL $1,983
300 CSL $2,212
500 CSL $2,378

Full coverage, driver age 40

Rates for High Risk Drivers

BMW iX Insurance Rates for High Risk Drivers
Age Premium
16 $9,596
20 $6,844
30 $4,150
40 $4,038
50 $3,848
60 $3,814

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.

SR-22 Surcharge $265

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $25
5-yr Accident Free $148
5-yr Claim Free $123
Paid in Full/EFT $93
Advance Quote $97
Online Quote $136
Total Discounts $821
Rate after discounts $1,037

Discounts are estimated and may not be available from every company or in every state.

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