BMW IX Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW iX are $1,878 a year for full coverage insurance. Comprehensive insurance costs on average $458, collision insurance costs $864, and liability is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs $4,070 or more. Teen drivers pay the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,878
Price estimates by individual coverage:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all iX models.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW iX insurance prices range from the low end price of $460 for just the minimum liability insurance to the much higher price of $4,070 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why everyone should get quotes based on a specific location, instead of using price 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.
Additional Rate Analysis
The chart below illustrates average BMW iX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,048
- Choosing higher $1,000 deductibles can save around $300 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,878
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $582 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $4,070
- The price that insures a teen driver for full coverage may cost $6,696 each year
Car insurance prices for a BMW iX are also quite variable based on the model of your iX, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $2,200 to $3,000 extra each year, depending on your age. BMW iX insurance for high-risk drivers ranges as much as 45% to 131% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $6,600 a year. View Rates by Age
The state you live in plays a big part in determining prices for BMW iX insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,530 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can save as much as $890 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Find the Cheapest BMW iX Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly raising deductibles. Shop around every time your policy renews by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a recap of the information raised in the charts and tables above.
- It is possible to save as much as $240 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are expensive to insure, as much as $558 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $875 each year
- Higher risk drivers that have major violations or accidents may pay on average $2,190 more each year to insure a BMW iX
- Policyholders who require increased liability limits will pay about $440 annually to raise limits from a low limit to the 250/500 level
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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