BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW iX are $1,878 annually for full coverage. Comprehensive insurance costs an estimated $458, collision insurance costs $864, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $4,070 or more. Teens receive the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,878
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different iX trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $460 for just liability insurance to a much higher rate of $4,070 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on insurance rates. More rural locations tend to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.
These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than using 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 Details
The chart below shows average BMW iX insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,048
- Drivers who choose higher $1,000 deductibles will pay approximately $300 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,878
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $582 each year
- High-risk insureds with serious driving violations could pay up to $4,070
- The cost with full coverage for a teenage driver with full coverage can cost as much as $6,696 a year
Car insurance rates for a BMW iX can also vary considerably based on the trim level of your iX, your driver profile, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,700 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $6,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $2,200 to $3,000 extra per year, depending on your age. High-risk driver insurance can cost around 45% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $890 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in BMW iX insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,680 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,696 | -$182 | -9.7% |
| Alaska | $1,440 | -$438 | -23.3% |
| Arizona | $1,558 | -$320 | -17.0% |
| Arkansas | $1,878 | -$0 | 0.0% |
| California | $2,138 | $260 | 13.8% |
| Colorado | $1,792 | -$86 | -4.6% |
| Connecticut | $1,932 | $54 | 2.9% |
| Delaware | $2,122 | $244 | 13.0% |
| Florida | $2,350 | $472 | 25.1% |
| Georgia | $1,734 | -$144 | -7.7% |
| Hawaii | $1,348 | -$530 | -28.2% |
| Idaho | $1,270 | -$608 | -32.4% |
| Illinois | $1,400 | -$478 | -25.5% |
| Indiana | $1,412 | -$466 | -24.8% |
| Iowa | $1,268 | -$610 | -32.5% |
| Kansas | $1,784 | -$94 | -5.0% |
| Kentucky | $2,562 | $684 | 36.4% |
| Louisiana | $2,778 | $900 | 47.9% |
| Maine | $1,158 | -$720 | -38.3% |
| Maryland | $1,548 | -$330 | -17.6% |
| Massachusetts | $1,502 | -$376 | -20.0% |
| Michigan | $3,262 | $1,384 | 73.7% |
| Minnesota | $1,570 | -$308 | -16.4% |
| Mississippi | $2,250 | $372 | 19.8% |
| Missouri | $1,666 | -$212 | -11.3% |
| Montana | $2,018 | $140 | 7.5% |
| Nebraska | $1,480 | -$398 | -21.2% |
| Nevada | $2,252 | $374 | 19.9% |
| New Hampshire | $1,354 | -$524 | -27.9% |
| New Jersey | $2,098 | $220 | 11.7% |
| New Mexico | $1,662 | -$216 | -11.5% |
| New York | $1,978 | $100 | 5.3% |
| North Carolina | $1,084 | -$794 | -42.3% |
| North Dakota | $1,536 | -$342 | -18.2% |
| Ohio | $1,298 | -$580 | -30.9% |
| Oklahoma | $1,928 | $50 | 2.7% |
| Oregon | $1,720 | -$158 | -8.4% |
| Pennsylvania | $1,792 | -$86 | -4.6% |
| Rhode Island | $2,506 | $628 | 33.4% |
| South Carolina | $1,702 | -$176 | -9.4% |
| South Dakota | $1,584 | -$294 | -15.7% |
| Tennessee | $1,644 | -$234 | -12.5% |
| Texas | $2,262 | $384 | 20.4% |
| Utah | $1,388 | -$490 | -26.1% |
| Vermont | $1,284 | -$594 | -31.6% |
| Virginia | $1,124 | -$754 | -40.1% |
| Washington | $1,450 | -$428 | -22.8% |
| West Virginia | $1,722 | -$156 | -8.3% |
| Wisconsin | $1,300 | -$578 | -30.8% |
| Wyoming | $1,670 | -$208 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW iX | $500 | $906 | $372 | $1,936 |
| 2023 BMW iX | $476 | $870 | $390 | $1,894 |
| 2022 BMW iX | $458 | $864 | $398 | $1,878 |
| 2021 BMW iX | $442 | $842 | $416 | $1,858 |
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 Affordable BMW iX Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a brief review of the data touched on in this article.
- Consumers who want higher liability limits will pay approximately $440 each year to go from a minimum limit to higher 250/500 limits
- Drivers can save approximately $240 per year just by shopping early and online
- Increasing deductibles could save up to $875 each year
- Teens have the highest car insurance rates, costing as high as $558 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,696 |
| 20 | $4,336 |
| 30 | $1,982 |
| 40 | $1,878 |
| 50 | $1,710 |
| 60 | $1,678 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,460 |
| $250 | $2,188 |
| $500 | $1,878 |
| $1,000 | $1,578 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,878 |
| 50/100 | $1,958 |
| 100/300 | $2,057 |
| 250/500 | $2,316 |
| 100 CSL | $1,997 |
| 300 CSL | $2,216 |
| 500 CSL | $2,376 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,632 |
| 20 | $6,900 |
| 30 | $4,190 |
| 40 | $4,070 |
| 50 | $3,882 |
| 60 | $3,850 |
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 | $103 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $124 |
| Paid in Full/EFT | $95 |
| Advance Quote | $98 |
| Online Quote | $138 |
| Total Discounts | $830 |
Discounts are estimated and may not be available from every company or in every state.
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