BMW X6 Insurance Rates

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.

The average insurance rates for a BMW X6 are $1,346 a year for full coverage insurance. Comprehensive costs an estimated $274 a year, collision insurance costs $440, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,910. Teenage drivers cost the most to insure at up to $5,124 a year.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates average BMW X6 insurance rates for other coverage scenarios.

• The best discount rate is $785
• Drivers who choose higher $1,000 deductibles will pay approximately $1,184 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,346
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,660
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,910
• Policy cost for full coverage for a teen driver can cost as much as $5,124 a year

View Chart as Image

Auto insurance rates for a BMW X6 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Your home state makes a big difference in BMW X6 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $480 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper BMW X6 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having good credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the concepts that were raised in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,560 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $427 each month if they have full coverage
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• It is possible to save approximately $160 per year just by quoting early and online

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.

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.

• Mercedes-Benz CLA 250 Insurance Rates
• Tesla Model 3 Insurance Rates
• Volvo S60 Insurance 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.