BMW X6 Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, BMW X6 owners generally pay around $234 monthly for auto insurance. Take a look at our latest guide to know how much insurance carriers might charge you to insure your BMW X6.

Quick Facts

  • A BMW X6 is more expensive to insure than the average SUV.
  • Liability auto insurance for a X6 tends to be about $105 a month, while full coverage usually comes in at around $228.
  • The lowest car insurance carrier for a X6 is FirstChicago, who offers prices as low as $70 per month.

X6 Overview

With 2022 models starting at $67,350, the BMW X6 is a high-end SUV on the more expensive end of the spectrum. With three different trim levels currently available, there's an option for every driver.

We combed through thousands of insurance quotes on Compare.com, and we've found that BMW X6 car insurance rates run about $234 monthly, on average. But how does that compare to other SUVs on the market?

Current Base Price$67,350
Body Style(s)SUV
Trim LevelsXDRIVE40I, M50I, M/M COMPETITION
Average Insurance Premium$234/mo.
Cheapest Insurance CompanyFirstChicago

How Much is Car Insurance for a BMW X6?

Vehicle Liability Only Full Coverage
BMW X6$105$228
All BMW Models$84$199
All SUVs$80$151
Average Insurance Premium$81$169

Looking at the table above, you'll find that BMW X6 insurance premiums are above average compared to other vehicles. X6 drivers normally pay around $228 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $105 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

When compared to other models, the X6 is more expensive, with prices about 15% higher than BMW's other vehicle offerings. Likewise, X6 coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive premiums than other SUVs.

When compared to all vehicles, regardless of model, make, or body style, the X6 follows a similar pattern of having above average insurance rates.

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Who has the Cheapest Car Insurance for a BMW X6?

Insurance Company Average Monthly Premium
MetroMile$26
Verti$52
SafeAuto$59
DirectGeneral$67
FirstChicago$70

In the market for a car insurance policy for your BMW X6? You may be wondering which company offers the most affordable rates. While there will never be one carrier that offers the cheapest premiums for everyone, the most affordable average rates for liability only insurance are sometimes as little as $26 monthly from MetroMile. The next cheapest company is Verti, who offers auto insurance as cheap as just $52 per month.

The third, fourth, and fifth companies on the list are SafeAuto, DirectGeneral, and FirstChicago. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a range of factors into consideration when calculating monthly premiums. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from several insurance companies.

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What Factors Affect Car Insurance Rates for a BMW X6?

There are a wide array of things that auto insurance carriers take a look at to decide how much to charge -- and every carrier weighs different variables more heavily than others, so there's not one company that's the lowest for each X6 owner.

The following sections show a whole bunch of variables car insurance companies use to determine rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$96
2-3 Years$99
4-5 Years$124
6-7 Years$114
8-10 Years$90
11-14 Years$129
15 Years or OlderNot Enough Data

The BMW X6 has been around for a while, so vehicle age may play a role in what you end up paying for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

As you can see in the table above, the BMW X6 is not quite in line with this trend, as the cheapest models to insure are those that are 8 to 10 years old, while the most expensive models are 11 to 14 years old, on average.

Your Age

Age Average Monthly Premium

Your age is another variable that plays a significant role in how much auto insurance carriers will charge you for a policy. As you can see in the table above, drivers with more experience on the road pay less for car insurance compared to younger drivers. BMW X6 drivers 18 to 24 actually pay $33 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for X6 drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$100
Female$115

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men. For X6 owners, that difference is around $15 a month, with men paying an average of $100 and women looking at around $115.

Where You Live

State Average Monthly Premium
California$51
Florida$144
Georgia$130
Illinois$69
New York$226
Ohio$72
Pennsylvania$77
Texas$63
Virginia$59

You were probably already aware that factors like how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live can have just as much as an impact? Insurance is regulated on a state-by-state basis, so prices vary quite a bit from state to state.

For example, the average BMW X6 driver from New York pays about $226 per month for liability coverage. Meanwhile, the same Californian owner will pay only 25% of that price, on average.

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BMW X6 Car Insurance Discounts

Whatever your home state, your age, or your car, it's always the smart move to take advantage of as many car insurance discounts as possible.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments
  • Multi-policy discounts for getting both your home and auto policies from the same carrier
  • Multi-car discounts for having several vehicles on your auto policy
  • Defensive driving discounts for taking a defensive driving class through an accredited school or institution

While discounts are always a good way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

You obviously can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), but there is quite bit in your control. Below are just a few of the things you can use to your advantage in order to save money on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$140
1 Ticket$191
Multiple Tickets$152

You've probably noticed ads from car insurance carriers posting hefty savings for good drivers. It should be no surprise that your auto insurance premiums will increase if you get into an accident or get a ticket for speeding. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can tell, accidents will usually cost X6 drivers less than tickets, but both will result in above average rates. BMW X6 drivers with one accident on their record pay about $142 per month (up $37 from the $105/mo. overall average), while drivers with a single ticket will pay an average of $191 a month. The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$62
2,501-5,000 Miles$124
5,001-7,500 Miles$138
7,501-10,000 Miles$97
10,000+ Miles$101

Another factor that plays a big role in your insurance rates is the amount of miles you drive annually. Those who are on the roads less often are more likely to go accident-free, so they'll typically end up paying less for car insurance. In the above table, you can see that BMW X6 owners who drive fewer than 2,500 miles each year pay about $62 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $101.

If you don't drive much because have a second vehicle or you work from home, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do BMW X6s Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a BMW X6 is on your shortlist, you might be wondering how it compares to other vehicles. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the BMW X6 stacks up:

BMW X6 National Average
Liability Insurance-$81
Full Coverage Insurance$89$169
Base MSRP$67,350$46,192
Average Annual Mileage12,36711,617

With an MSRP that's a quarter more than the going rate for a new vehicle, the BMW X6 is on the more expensive side when it comes to price. The X6 goes for $67,350, a bit higher than the national average vehicle price of $46,192.

Full coverage insurance for a BMW X6 is around $80 a month cheaper than average, while liability only coverage is per month.

When it comes to usage, BMW X6 drivers are pretty close to the national average in annual miles driven, with 12,367 miles a year compared to 11,617 for all vehicles.

BMW X6 Car Insurance Costs by Model Year

You've seen how different variables can have an impact on how much the average driver pays for auto insurance. But if you're in the market for a new car, truck, or SUV and the X6 is on your wishlist, knowing how much your vehicle will likely cost can be helpful as you consider your options.

2021 BMW X6 Car Insurance

   
Liability Only Avg. Premium$143
Full Coverage Avg. Premium$311
Base MSRP$65,050
Cheapest Insurance CompanyAmica - $82/mo.
Available TrimsM/M COMPETITION, M50I, SDRIVE 40I, XDRIVE40I

2021 X6 drivers can expect to pay an average of $143 a month for liability or $311 for full coverage.

With premiums as little as $82 monthly, Amica offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for car insurance for a 2021 BMW X6, you can get free quotes in minutes by just entering your ZIP code below.

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2020 BMW X6 Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$250
Base MSRP$64,300
Cheapest Insurance CompanyAmica - $49/mo.
Available TrimsM/M COMPETITION, M50I, SDRIVE 40I, XDRIVE40I

On average, drivers who own a 2020 BMW X6 can expect to pay $55 to $250 per month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2020 BMW X6 insurance policy, Amica offered the lowest policy we found, with rates as little as just $49 a month.

If you want to know exactly how much you can expect to pay for your X6, just enter your ZIP code below and get several free quotes in minutes.

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2019 BMW X6 Car Insurance

   
Liability Only Avg. Premium$42
Full Coverage Avg. Premium$142
Base MSRP$63,550
Cheapest Insurance CompanyClearcover - $40/mo.
Available TrimsM, SDRIVE35I, XDRIVE35I, XDRIVE50I

It costs about $42 monthly for liability or $142 for a full coverage policy for the 2019 X6.

With rates sometimes as cheap as $40 a month, Clearcover offered the cheapest policy we found for the 2019 BMW X6.

Want to find the most affordable rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing a lot of personalized quotes from the nation's top insurance companies.

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2018 BMW X6 Car Insurance

   
Liability Only Avg. Premium$106
Full Coverage Avg. Premium$285
Base MSRP$62,950
Cheapest Insurance CompanyMetroMile - $26/mo.
Available TrimsM, SDRIVE35I, XDRIVE35I, XDRIVE50I

You can expect full coverage for a 2018 BMW X6 to run around $285 monthly, while liability only coverage will average about $106 per month.

Looking for the lowest policy? MetroMile offered liability only coverage for as cheap as $26 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2017 BMW X6 Car Insurance

   
Liability Only Avg. Premium$142
Full Coverage Avg. Premium$250
Base MSRP$62,500
Cheapest Insurance CompanyVerti - $51/mo.
Available TrimsM, SDRIVE35I, XDRIVE35I, XDRIVE50I

The average cost to insure a 2017 X6 with liability only coverage is $142 a month, while full coverage runs around $250 per month.

Verti has prices sometimes as low as $51 monthly for the 2017 BMW X6.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 BMW X6 Car Insurance

   
Liability Only Avg. Premium$113
Full Coverage Avg. Premium$207
Base MSRP$60,600
Cheapest Insurance CompanySafeAuto - $27/mo.
Available TrimsM, SDRIVE35I, XDRIVE35I, XDRIVE50I

On average, drivers who own a 2016 BMW X6 can expect to pay $113 to $207 per month for liability only and full coverage auto insurance, respectively.

SafeAuto offered the cheapest policy we found, with rates as low as just $27 a month.

Want to know just how much you'll pay? Just enter your ZIP code below to get multiple free customized quotes.

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2015 BMW X6 Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$222
Base MSRP$59,600
Cheapest Insurance CompanyClearcover - $40/mo.
Available TrimsM, SDRIVE35I, XDRIVE35I, XDRIVE50I

2015 X6 drivers can expect to pay an average of $89 per month for liability or $222 for full coverage.

We found Clearcover offered the most affordable policy, with rates as little as just $40 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2014 BMW X6 Car Insurance

   
Liability Only Avg. Premium$127
Full Coverage Avg. Premium$244
Base MSRP$60,800
Cheapest Insurance CompanyClearcover - $36/mo.
Available TrimsM, XDRIVE35I, XDRIVE50I

It costs about $127 monthly for liability or $244 for a full coverage policy for the 2014 BMW X6.

Clearcover offered the cheapest policy we found, with rates sometimes as little as $36 a month.

Interested in exactly how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2013 BMW X6 Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$196
Base MSRP$59,800
Cheapest Insurance CompanyMercury - $27/mo.
Available TrimsM, XDRIVE35I, XDRIVE50I

You can expect full coverage for a 2013 X6 to run around $196 per month, while liability only coverage will average about $97 monthly.

Mercury has rates as little as $27 per month for the 2013 BMW X6.

While these are good estimates of what the average driver might pay to insure a 2013 BMW X6, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2012 BMW X6 Car Insurance

   
Liability Only Avg. Premium$107
Full Coverage Avg. Premium$193
Base MSRP$59,600
Cheapest Insurance CompanyWorkmens - $21/mo.
Available TrimsM, XDRIVE35I, XDRIVE50I

The average cost to insure a 2012 BMW X6 with liability only coverage is $107 monthly, while full coverage runs around $193 a month.

With premiums as cheap as $21 monthly, Workmens offered the lowest policy we found for the 2012 BMW X6.

Interested in just how much you'll pay? Just enter your ZIP code below to get several customized quotes for free.

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2011 BMW X6 Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$206
Base MSRP$57,000
Cheapest Insurance CompanyMercury - $22/mo.
Available TrimsHYBRID, M, XDRIVE35I, XDRIVE50I

On average, drivers who own a 2011 X6 can expect to pay $81 to $206 a month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2011 BMW X6 insurance policy, Mercury offered the cheapest policy we found, with rates sometimes as cheap as $22 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 BMW X6 Car Insurance

   
Liability Only Avg. Premium$60
Full Coverage Avg. Premium$174
Base MSRP$56,500
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsHYBRID, M, XDRIVE35I, XDRIVE50I

You can expect full coverage for a 2010 BMW X6 to run about $174 monthly, while liability only coverage will average around $60 a month.

Looking for the lowest policy? MetLife offered liability only coverage for as cheap as just $19 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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BMW X6 Insurance FAQs

Is a BMW X6 expensive to insure?

Liability insurance runs an average of $105 monthly, while full coverage will cost you around $228. When compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my BMW X6?

The only way to make sure you're getting the most affordable price on insurance is to check prices regularly and compare quotes from numerous carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my BMW X6 affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. Even though there are many factors car insurance carriers consider when they calculate how much your policy will be, your vehicle's color is not factored into that equation.

Do I need to have insurance before I buy a BMW X6?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) X6 off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but your best bet is letting your car insurance carrier know before you buy.

What car insurance discounts can I get for my BMW X6?

There are a wide array of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your X6 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know for sure is to contact your insurance company and ask about their discounts, since they fluctuate quite a bit from company to company.

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