Best BMW X6 Insurance Rates [Cheap Coverage Guide]

If you want to buy affordable BMW X6 insurance coverage then you should know that a policy will cost $152 per month ($1,822 per year) on average. Mature drivers with good driving records may find rates as low as $1,071 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 2020

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Key takeaways:

  • Full coverage costs around $1,822 a year or $152 each month
  • A liability-only policy costs around $730 a year or $61 each month
  • Highest rates are for teenage drivers at around $6,659 a year or $555 each month
  • Good drivers can save as much as $751 a year by earning policy discounts
  • BMW X6 insurance costs around $303 more per year than the average vehicle

BMW X6 insurance rates can be expensive. BMW X6 insurance costs around $303 more per year than the average vehicle. Learn what drivers can do to cut down insurance rates for a BMW X6 by reading our guide.

You can start comparing quotes for BMW X6 car insurance rates from some of the best car insurance companies by using our free online tool now.

BMW X6 Insurance Cost

The average car insurance costs for a BMW X6 are $1,822 a year or $152 a month.

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Are BMW X6s Expensive to Insure?

The chart below details how BMW X6 insurance rates compare to other crossovers like the Mazda CX-3, Toyota RAV4, and Toyota C-HR.

Vehicle Comprehensive Collision Liability Total
BMW X6 $432 $834 $398 $1,822
Mazda CX-3 $308 $500 $372 $1,338
Toyota RAV4 $280 $482 $390 $1,310
Toyota C-HR $254 $452 $258 $1,074
Ford EcoSport $280 $500 $372 $1,310
FIAT 500X $256 $506 $450 $1,392
Lincoln MKT $370 $626 $450 $1,626
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However, there are a few things you can do to find the cheapest BMW insurance rates online.

What Impacts the Cost of BMW X6 Insurance?

The BMW X6 trim and model you choose can impact the total price you will pay for BMW X6 insurance coverage.

Age of the Vehicle

Older BMW X6 models generally cost less to insure. For example, auto insurance for a 2018 BMW X6 costs $1,822, while 2010 BMW X6 insurance costs are $1,434, a difference of $388.

Model Year Comprehensive Collision Liability Total
2018 BMW X6 $432 $834 $398 $1,822
2017 BMW X6 $418 $814 $416 $1,806
2016 BMW X6 $402 $780 $430 $1,770
2015 BMW X6 $380 $752 $442 $1,732
2014 BMW X6 $366 $698 $452 $1,674
2013 BMW X6 $352 $658 $456 $1,624
2012 BMW X6 $336 $590 $460 $1,544
2011 BMW X6 $314 $542 $460 $1,474
2010 BMW X6 $304 $508 $464 $1,434
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Driver Age

Driver age can have a significant impact on BMW X6 auto insurance rates. As an example, a 40-year-old driver could pay $192 less each month for their BMW X6 auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on BMW X6 insurance rates. For example, drivers in Los Angeles may pay $1,567 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on your BMW X6 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their BMW X6 car insurance with violations on their driving record.

BMW X6 Safety Ratings

The BMW X6’s safety ratings will affect your BMW X6 auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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BMW X6 Crash Test Ratings

BMW X6 crash test ratings can impact your BMW X6 car insurance rates. See BMW X6 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X6 SUV RWD N/R N/R N/R N/R
2020 BMW X6 SUV AWD N/R N/R N/R N/R
2020 BMW X6 M SUV AWD N/R N/R N/R N/R
2019 BMW X6 SUV RWD N/R N/R N/R N/R
2019 BMW X6 SUV AWD N/R N/R N/R N/R
2019 BMW X6 M SUV AWD N/R N/R N/R N/R
2018 BMW X6 SUV RWD N/R N/R N/R N/R
2018 BMW X6 SUV AWD N/R N/R N/R N/R
2018 BMW X6 M SUV AWD N/R N/R N/R N/R
2017 BMW X6 SUV FWD N/R N/R N/R N/R
2017 BMW X6 SUV AWD N/R N/R N/R N/R
2017 BMW X6 M SUV FWD N/R N/R N/R N/R
2016 BMW X6 SUV RWD N/R N/R N/R N/R
2016 BMW X6 SUV AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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BMW X6 Safety Features

Good BMW X6 safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 BMW X6 are:

  • Electronic Stability Control (ESC)
  • Roll Stability Control (RSC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Active Park Distance Control Automated Parking Sensors
  • Active Blind Spot Detection Blind Spot
  • Frontal Collision Warning w/City Collision Mitigation
  • Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts
  • Surround View w/3D View Back-Up Camera
  • Surround View w/3D View Front Camera
  • Surround View w/3D View Left Side Camera
  • Surround View w/3D View Right Side Camera

BMW X6 Finance and Insurance Cost

If you are financing a BMW X6, you will pay more if you purchase BMW X6 auto insurance at the dealership, so be sure to shop around and compare BMW X6 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on BMW X6 Insurance

You have more options at your disposal to save money on your BMW X6 car insurance costs. For example, try these five tips:

  • Check Reviews and State Complaints Before You Choose an Insurer
  • Ask About Welcome Discounts
  • Move to the Countryside
  • Renew Your BMW X6 Insurance Coverage to Avoid Lapses
  • Park Your BMW X6 Somewhere Safe – like a Garage or Private Driveway

Top BMW X6 Insurance Companies

Who is the top auto insurance company for BMW X6 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW X6 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the BMW X6 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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