BMW X6 Car Insurance Cost 2025
The average cost to insure a BMW X6 is $2,973 per year. However, the exact cost can vary based on factors such as your age, the year of the car model, and other personal details. You can use our quote tables to get an estimate of your specific costs based on your profile and coverage preferences.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a BMW X6, one crucial aspect to consider is the insurance cost. Insurance is a major aspect of car ownership, and it’s important to understand its implications before making a purchase. On average, insurance for a BMW X6 costs $2,973 per year.
Failing to choose the right insurance policy can result in unexpected and potentially high expenses in the future. It’s essential to have adequate coverage in case of accidents to avoid significant out-of-pocket costs. Moreover, if you’re at fault in an accident, your premiums could increase.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as your age, driving record, and location can significantly impact your insurance premiums. Therefore, it’s essential to research and compare insurance options carefully.
How Much Does A BMW X6 Car Insurance Cost?
Typically, BMW X6 drivers can find car insurance at an average rate of $2,973 per year.
The cost of car insurance can vary significantly based on several factors. These include your location, driving history, car model year, and the specific coverage options you choose. A clean driving record typically results in lower premiums, whereas a history of accidents or violations may increase rates.
Living in urban areas with heavy traffic could also raise insurance costs compared to rural areas with less congestion. Additionally, the type of coverage you select impacts your premium. For example, comprehensive insurance, which covers both comprehensive and collision, generally costs more than just liability coverage.
For BMW X6 drivers, insurance is generally higher than for other BMW models and more expensive compared to the average cost for all cars. However, you can still find competitive rates by shopping around. Insuranceopedia can help you compare quotes from various providers to help you secure the best deal for your needs.
| Vehicle | Average Monthly Premium |
| BMW X6 | $233 |
| All BMWs | $206 |
| All Cars | $175 |
Average Insurance Cost Of BMW X6 By Model Year
| Model Year | Average Premium |
| 2024 BMW X6 | $3,304 |
| 2023 BMW X6 | $1,852 |
| 2022 BMW X6 | $3,287 |
| 2021 BMW X6 | $2,290 |
| 2020 BMW X6 | $1,760 |
| 2019 BMW X6 | $2,316 |
| 2018 BMW X6 | $1,901 |
| 2017 BMW X6 | $1,950 |
| 2016 BMW X6 | $1,855 |
| 2015 BMW X6 | $2,144 |
| 2014 BMW X6 | $1,415 |
| 2013 BMW X6 | $1,769 |
| 2012 BMW X6 | $1,304 |
| 2011 BMW X6 | $1,521 |
| 2010 BMW X6 | $803 |
2024 BMW X6 Insurance Rates
The average annual insurance cost for a 2024 BMW X6 is $3,304. However, Mercury offers the cheapest rates, averaging $1,890 per year.
| Insurance Provider | Average Annual Cost |
| Alliance United | $3,655 |
| 21st Century | $4,293 |
| USAA | $3,355 |
| Bristol West | $3,046 |
| New York Central Mutual Fire | $4,255 |
| Esurance | $3,282 |
| Farmers | $3,197 |
| Travelers | $4,155 |
| Mercury | $1,890 |
| California Capital | $1,915 |
2023 BMW X6 Insurance Rates
The average annual insurance cost for a 2023 BMW X6 is $1,852. However, Dairyland Auto offers the cheapest rates, averaging $643 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $1,884 |
| Mercury | $1,764 |
| Nationwide | $2,413 |
| Mercury Insurance | $2,324 |
| Pekin Insurance | $1,584 |
| Travelers | $2,223 |
| Hastings Mutual Insurance Co | $1,753 |
| Dairyland Auto | $643 |
| California Capital | $1,851 |
| Country | $2,081 |
2022 BMW X6 Insurance Rates
The average annual insurance cost for a 2022 BMW X6 is $3,287. However, Mercury Insurance offers the cheapest rates, averaging $1,720 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,720 |
| Mercury | $3,104 |
| Nationwide | $3,551 |
| Farmers | $3,756 |
| California Capital | $2,509 |
| Country | $2,508 |
| National General Value | $3,817 |
| New Jersey Manufacturers | $3,474 |
| Bristol West | $4,108 |
| 21st Century | $4,326 |
2021 BMW X6 Insurance Rates
The average annual insurance cost for a 2021 BMW X6 is $2,290. However, SafeAuto offers the cheapest rates, averaging $829 per year.
| Insurance Provider | Average Annual Cost |
| Alliance United | $2,986 |
| National General | $2,032 |
| Farmers | $2,701 |
| Liberty Mutual | $2,399 |
| Texas Farm Bureau Group | $1,910 |
| Mercury | $2,393 |
| Bristol West | $2,642 |
| Republic Indemnity | $2,876 |
| California Capital | $2,129 |
| SafeAuto | $829 |
2020 BMW X6 Insurance Rates
The average annual insurance cost for a 2020 BMW X6 is $1,760. However, Victoria offers the cheapest rates, averaging $318 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $1,742 |
| Allied | $1,672 |
| Victoria | $318 |
| Mercury | $1,829 |
| North Carolina Farm Bureau | $1,970 |
| Unitrin | $2,343 |
| Titan | $860 |
| California Capital | $2,200 |
| Farmers | $2,415 |
| Country | $1,706 |
2019 BMW X6 Insurance Rates
The average annual insurance cost for a 2019 BMW X6 is $2,316. However, Mercury Insurance offers the cheapest rates, averaging $546 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $2,118 |
| Direct Auto | $1,708 |
| Alliance United | $2,868 |
| California Capital | $2,182 |
| Country | $2,902 |
| Mercury Insurance | $546 |
| SECURA Insurance | $2,988 |
| National Farmers Union P | $2,678 |
| Bristol West | $2,333 |
| Hastings Mutual Insurance Co | $2,836 |
2018 BMW X6 Insurance Rates
The average annual insurance cost for a 2018 BMW X6 is $1,901. However, National General offers the cheapest rates, averaging $808 per year.
| Insurance Provider | Average Annual Cost |
| National General | $808 |
| Texas Farm Bureau Group | $1,248 |
| Direct Auto | $1,682 |
| National General Value | $1,859 |
| Country | $1,959 |
| Georgia Farm Bureau | $2,154 |
| Penn National | $2,251 |
| Mercury | $2,306 |
| California Capital | $2,359 |
| New Jersey Manufacturers | $2,379 |
2017 BMW X6 Insurance Rates
The average annual insurance cost for a 2017 BMW X6 is $1,950. However, Texas Farm Bureau Group offers the cheapest rates, averaging $928 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $928 |
| National General Value | $1,545 |
| New Jersey Manufacturers | $1,597 |
| Direct Auto | $1,534 |
| Country | $2,088 |
| Grange Mutual | $2,204 |
| Mississippi Farm Bureau | $2,211 |
| Mercury | $2,309 |
| California Capital | $2,470 |
| Republic Indemnity | $2,611 |
2016 BMW X6 Insurance Rates
The average annual insurance cost for a 2016 BMW X6 is $1,855. However, Texas Farm Bureau Group offers the cheapest rates, averaging $969 per year.
| Insurance Provider | Average Annual Cost |
| Shelter | $2,114 |
| Texas Farm Bureau Group | $969 |
| California Capital | $2,305 |
| Penn National | $1,900 |
| GMAC Insurance Group | $2,330 |
| Mercury Insurance Company | $1,980 |
| Direct Auto | $1,146 |
| Plymouth Rock Assurance | $2,185 |
| American National P | $1,784 |
| North Carolina Farm Bureau | $1,834 |
2015 BMW X6 Insurance Rates
The average annual insurance cost for a 2015 BMW X6 is $2,144. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,517 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $2,168 |
| Mercury | $2,477 |
| Farm Bureau Mutual (IA Group) | $1,517 |
| Hastings Mutual Insurance Co | $2,227 |
| California Capital | $2,208 |
| Plymouth Rock | $1,765 |
| SECURA Insurance | $2,595 |
| Country | $2,287 |
| Grange Mutual | $2,266 |
| Capital Insurance Group | $1,928 |
2014 BMW X6 Insurance Rates
The average annual insurance cost for a 2014 BMW X6 is $1,415. However, Safeco offers the cheapest rates, averaging $550 per year.
| Insurance Provider | Average Annual Cost |
| West Bend Mutual | $1,278 |
| Buckeye Insurance Group | $1,375 |
| Grange Mutual | $1,906 |
| Virginia Farm Bureau | $1,175 |
| Penn National | $1,814 |
| Safeco | $550 |
| Texas Farm Bureau Group | $1,452 |
| Ohio Mutual Ins Group | $1,462 |
| Western Reserve | $1,433 |
| Frankenmuth Mutual | $1,702 |
2013 BMW X6 Insurance Rates
The average annual insurance cost for a 2013 BMW X6 is $1,769. However, Southern Farm Bureau offers the cheapest rates, averaging $1,278 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,895 |
| Southern Farm Bureau | $1,278 |
| Texas Farm Bureau Group | $1,312 |
| Farm Bureau Ins of MI | $2,205 |
| Cameron Mutual Group | $1,414 |
| Mercury | $2,263 |
| ALFA | $1,943 |
| Shelter | $1,359 |
| Rural Mutual Insurance | $2,200 |
| SECURA Insurance | $1,820 |
2012 BMW X6 Insurance Rates
The average annual insurance cost for a 2012 BMW X6 is $1,304. However, Capital Insurance Group offers the cheapest rates, averaging $884 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,174 |
| GMAC Insurance Group | $1,160 |
| SafeAuto | $1,472 |
| Mississippi Farm Bureau | $1,556 |
| Oregon Mutual | $1,507 |
| PEMCO | $1,321 |
| Capital Insurance Group | $884 |
| New Jersey Manufacturers | $1,476 |
| Unigard | $1,596 |
| SECURA Insurance | $896 |
2011 BMW X6 Insurance Rates
The average annual insurance cost for a 2011 BMW X6 is $1,521. However, Kemper Auto | Infinity offers the cheapest rates, averaging $899 per year.
| Insurance Provider | Average Annual Cost |
| Norfolk and Dedham Group | $1,628 |
| SECURA Insurance | $919 |
| Pure Companies Grp | $1,879 |
| Farm Bureau Ins of MI | $1,797 |
| Texas Farm Bureau Group | $1,314 |
| National Grange Mutual | $1,833 |
| New York Central Mutual Fire | $1,687 |
| Kemper Auto | Infinity | $899 |
| Safety Group | $1,501 |
| Auto-Owners Insurance Co | $1,756 |
2010 BMW X6 Insurance Rates
The average annual insurance cost for a 2010 BMW X6 is $1,521. However, Safeco offers the cheapest rates, averaging $321 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $986 |
| Safeco | $321 |
| National General | $402 |
| Auto-Owners Insurance Co | $986 |
| Direct Auto | $1,015 |
| Hastings Mutual Insurance Co | $912 |
| Farm Bureau Mutual (IA Group) | $889 |
| Liberty Mutual | $592 |
| American National P | $884 |
| Buckeye Insurance Group | $1,046 |
Find Affordable BMW X6 Insurance Rates
Is A BMW X6 Expensive To Insure?
Insuring a BMW X6 tends to be more expensive compared to the average cost for most vehicles. However, the exact insurance premium you’ll pay depends on several factors, including your age, the age of the car, where you live, and other considerations.
Cost of BMW X6 Car Insurance By Age
Age is a major factor in setting insurance rates for vehicles. Teen drivers usually face the highest premiums due to their higher accident rates compared to other age groups. As you age, your premiums tend to decrease, reflecting a lower risk for insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $16,740 | $24,629 | $28,721 |
| 18 | $15,646 | $22,857 | $26,828 |
| 19 | $13,820 | $20,220 | $23,693 |
| 20 | $12,003 | $17,620 | $20,698 |
| 21 | $10,096 | $14,769 | $17,334 |
| 22 | $9,832 | $14,416 | $16,833 |
| 23 | $8,597 | $12,644 | $14,719 |
| 24 | $8,115 | $12,016 | $14,002 |
| 25 | $7,085 | $10,311 | $12,108 |
| 30 | $5,436 | $8,012 | $9,438 |
| 35 | $5,126 | $7,569 | $8,854 |
| 40 | $4,973 | $7,285 | $8,466 |
| 45 | $4,821 | $7,015 | $8,215 |
| 55 | $4,373 | $6,426 | $7,536 |
| 65 | $4,649 | $6,709 | $7,885 |
| 75 | $5,813 | $8,516 | $9,981 |
BMW X6 Car Insurance Rates By State
Your location significantly impacts how insurance companies set rates. Each state has its own regulations for auto insurance. For instance, drivers in Michigan often face higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate in different areas can affect rates, as states prone to severe weather like hurricanes, storms, and floods may see higher premiums. Crime and accident statistics, including car thefts, crashes, and fatalities, also play a role. Insurance companies take all of these factors into account when determining the insurance rate for your BMW X6.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $5,263 | $7,576 | $9,710 |
| Alaska | $4,350 | $6,050 | $5,866 |
| Arizona | $4,923 | $7,121 | $10,421 |
| Arkansas | $5,319 | $8,459 | $9,246 |
| California | $6,014 | $10,611 | $5,978 |
| Colorado | $5,595 | $7,778 | $9,876 |
| Connecticut | $7,133 | $11,040 | $14,003 |
| Delaware | $5,863 | $7,847 | $10,107 |
| Florida | $6,996 | $9,690 | $12,650 |
| Georgia | $5,740 | $8,597 | $8,607 |
| Hawaii | $2,333 | $3,062 | $2,238 |
| Idaho | $3,963 | $5,293 | $6,407 |
| Illinois | $4,170 | $6,286 | $7,214 |
| Indiana | $4,320 | $6,505 | $7,368 |
| Iowa | $3,396 | $4,658 | $5,421 |
| Kansas | $4,537 | $6,592 | $7,664 |
| Kentucky | $6,529 | $9,578 | $11,250 |
| Louisiana | $8,385 | $12,671 | $13,731 |
| Maine | $3,141 | $4,366 | $6,487 |
| Maryland | $5,129 | $7,442 | $8,236 |
| Massachusetts | $4,090 | $7,122 | $4,058 |
| Michigan | $9,911 | $15,073 | $23,823 |
| Minnesota | $4,064 | $5,405 | $7,609 |
| Mississippi | $4,902 | $7,047 | $7,072 |
| Missouri | $4,632 | $6,665 | $8,748 |
| Montana | $4,738 | $6,559 | $7,606 |
| Nebraska | $3,991 | $5,856 | $6,359 |
| Nevada | $6,562 | $9,731 | $10,340 |
| New Hampshire | $4,610 | $7,219 | $9,120 |
| New Jersey | $5,054 | $7,930 | $10,335 |
| New Mexico | $5,111 | $7,654 | $7,988 |
| New York | $4,782 | $6,025 | $10,010 |
| North Carolina | $2,974 | $5,084 | $3,576 |
| North Dakota | $4,072 | $6,123 | $7,292 |
| Ohio | $3,577 | $5,512 | $5,681 |
| Oklahoma | $5,710 | $8,270 | $9,260 |
| Oregon | $5,262 | $7,009 | $8,377 |
| Pennsylvania | $4,425 | $6,450 | $7,563 |
| Rhode Island | $7,352 | $10,786 | $12,110 |
| South Carolina | $5,030 | $6,896 | $9,531 |
| South Dakota | $4,523 | $6,465 | $7,442 |
| Tennessee | $5,230 | $7,780 | $10,366 |
| Texas | $5,272 | $7,647 | $9,579 |
| Utah | $4,555 | $6,359 | $8,707 |
| Vermont | $3,448 | $5,330 | $5,697 |
| Virginia | $3,306 | $5,026 | $4,885 |
| Washington | $4,381 | $5,860 | $7,041 |
| West Virginia | $4,389 | $6,218 | $7,789 |
| Wisconsin | $4,398 | $6,767 | $7,710 |
| Wyoming | $4,065 | $5,641 | $6,084 |
Find Affordable BMW X6 Insurance Rates
Cheapest Car Insurance Companies For A BMW X6
If you’re considering a new car insurance policy for your BMW X6, it’s helpful to know which companies offer the most affordable rates. MetroMile is the cheapest provider, with a monthly premium of $20 for a BMW X6. However, insurance rates can vary depending on your individual driver profile, so this is just an average. To find the best rates for your specific situation, it’s advisable to shop around and compare different quotes.
| Company | Average Monthly Rate |
| MetroMile | $20 |
| DirectGeneral | $75 |
| Verti | $60 |
| FirstChicago | $78 |
| SafeAuto | $67 |
Common BMW X6 Insurance Discounts
Discounts can be an effective way to reduce your car insurance costs. While each insurer offers different discounts, here are some common ones you might be eligible for:
- Multi-policy: Bundling your home and auto insurance with the same provider often results in a discounted rate.
- Pay annually: If you pay your premium in full rather than monthly, you may qualify for a discount.
- Defensive driving: Completing a defensive driving course from a certified provider can make you eligible for lower rates.
There may be other discounts available as well. It’s a good idea to consult with your insurance agent, who can help identify any discounts you qualify for.
Ways To Save On BMW X6 Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your BMW X6 insurance costs. Traffic violations, like speeding tickets, or being involved in an accident can lead to higher premiums. For example, drivers with a ticket on their record typically pay around $186 per month, while those with multiple accidents pay an average of $151 per month. Avoiding these incidents can help keep your insurance rates lower.
Additionally, the amount of driving you do affects your premiums. Drivers with lower annual mileage are considered less risky since they have fewer chances of getting into an accident. BMW X6 owners who drive between 5,000 and 7,500 miles annually pay about $145 per month for insurance, while those who drive over 10,000 miles a year pay around $107 per month.
Compare BMW X6 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, the rates in this guide may vary from your personal quotes.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW X6?
Yes, you will need to show proof of insurance before you can drive your BMW X6 off the dealership lot. It’s a good idea to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than relying on the dealership to arrange the insurance for you.
How Can You Get The Cheapest Insurance For Your BMW X6?
The most effective way to find the lowest rates for your BMW X6 is by shopping around and comparing quotes from various auto insurance companies. Thankfully, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
