BMW IX Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $2,424 |
$250 | $2,162 |
$500 | $1,858 |
$1,000 | $1,568 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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