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.

Estimated insurance rates for a BMW X6 are $1,346 a year with full coverage. Comprehensive costs approximately $274 each year, collision insurance costs $440, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,910. Teenage drivers pay the most at up to $5,124 a year.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and X6 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences demonstrate why all drivers should compare rates using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below details average BMW X6 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $785
• Drivers who choose higher $1,000 deductibles will pay $162 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,346
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,660
• High-risk insureds who are prone to accidents and violations could pay around $2,910
• An auto insurance policy that insures a teenage driver can cost $5,124 a year

View Chart as Image

Auto insurance prices for a BMW X6 also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live makes a big difference in BMW X6 insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 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 the Best Cheap BMW X6 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices at least every other year by requesting quotes from direct companies, and also from local insurance agencies.

Below is a quick review of the car insurance concepts covered in the above illustrations.

• Drivers with a DUI or reckless driving violation may have to pay on average $1,560 more per year for auto insurance
• You may be able to save around $160 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• Consumers who purchase higher levels of liability will pay an extra $520 every year to go from 30/60 bodily injury limits to the 250/500 level

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.