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 $1,304 a year for full coverage. Comprehensive insurance costs around $268 a year, collision insurance costs $400, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs $2,808 or more. Teen drivers cost the most to insure at up to $4,972 a year.

Average premium for full coverage: $1,304

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and X6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below shows average BMW X6 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $765
• Choosing higher $1,000 deductibles can save about $1,152 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,304
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $290 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,808
• Policy cost that insures a 16-year-old driver can be $4,972 each year

View Chart as Image

Auto insurance rates for a BMW X6 also range considerably based on the trim level of your X6, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 128% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for BMW X6 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $450 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

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 More Affordable BMW X6 Insurance

Finding cheaper rates on insurance for a BMW X6 takes being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a summary of the material that was touched on in the above illustrations.

• Insureds who may need more liability protection will pay about $530 each year to raise limits from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $414 each month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,500 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $450 each year

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.