BMW X6 insurance costs average $105 monthly for minimum coverage and $205 for full coverage. Depending on your particular trim and model year, costs can range from $68 to $329 monthly.
BMW X6 Insurance Cost
Updated: October 2, 2025
Key Takeaways
BMW X6 insurance costs range from $68 to $329 monthly, with dramatic price differences based on model year and trim level.
The BMW X6 ranks 544th out of 827 vehicle models for insurance affordability in the United States vehicle market through 2025.
The Hartford offers the most affordable BMW X6 full coverage at $167 monthly, while minimum coverage starts at $77 monthly.
How Much Is BMW X6 Insurance?
| BMW X6 | $105 | $205 |
BMW X6 Insurance Cost by Model Year
Your BMW X6's model year and available trim options directly affect insurance rates, with newer vehicles costing more due to higher fair values. Monthly premiums for BMW X6 models span from $75 for older years up to $295 for the newest models.
| 2026 | $151 | $295 |
| 2025 | $144 | $282 |
| 2024 | $139 | $271 |
| 2023 | $108 | $212 |
| 2022 | $94 | $184 |
| 2021 | $79 | $155 |
| 2020 | $113 | $221 |
| 2019 | $130 | $256 |
| 2018 | $134 | $264 |
| 2017 | $94 | $182 |
| 2016 | $101 | $198 |
| 2015 | $99 | $193 |
| 2014 | $94 | $183 |
| 2013 | $88 | $171 |
| 2012 | $92 | $178 |
| 2011 | $92 | $177 |
| 2010 | $90 | $175 |
| 2009 | $75 | $144 |
| 2008 | $85 | $164 |
BMW X6 Insurance Cost by Trim
Your BMW X6 trim directly affects insurance costs based on the vehicle's features, market value and replacement expenses. Monthly premiums range from $68 to $315 depending on your specific model, with higher-end trims like the M60i costing more to insure than base models.
| 35i Sport Utility 4d | $68 | $131 |
| 50i Sport Utility 4d | $82 | $158 |
| Sdrive40i Sport Utility 4d | $93 | $182 |
| Xdrive50i Sport Utility 4d | $96 | $187 |
| Activehybrid Sport Utility 4d | $98 | $190 |
| M50i Sport Utility 4d | $99 | $193 |
| Xdrive40i Sport Utility 4d | $100 | $196 |
| Xdrive35i Sport Utility 4d | $102 | $199 |
| Sdrive35i Sport Utility 4d | $113 | $221 |
| Xdrive40i | $128 | $251 |
| M60i | $161 | $315 |
Compare Personalized BMW X6 Insurance Costs
We've broken down BMW X6 insurance costs by model year and trim to give you personalized rate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2008
Select
Trim:Xdrive50i Sport Utility 4d
| Xdrive50i Sport Utility 4d | $84 | $163 |
BMW X6 Insurance Cost by Company
BMW X6 insurance costs vary by provider from $122 to $246 monthly. Minimum coverage ranges from $77 to $160, while full coverage costs $167 to $350. Rates vary due to different risk assessment models.
| AAA | $118 | $245 |
| AIG | $141 | $350 |
| Allstate | $132 | $256 |
| Amica | $129 | $265 |
| Chubb | $128 | $255 |
| Farmers | $160 | $282 |
| GEICO | $77 | $168 |
| Kemper | $95 | $195 |
| Nationwide | $112 | $195 |
| Progressive | $96 | $181 |
| State Farm | $99 | $207 |
| The Hartford | $98 | $167 |
| Travelers | $100 | $185 |
| UAIC | $142 | $177 |
BMW X6 Insurance Cost by State
BMW X6 car insurance costs vary dramatically by state, ranging from $45 monthly in Wyoming to $430 monthly in Louisiana.
| Alabama | $95 | $180 |
| Alaska | $75 | $160 |
| Arizona | $133 | $247 |
| Arkansas | $87 | $194 |
| California | $100 | $202 |
| Colorado | $103 | $246 |
| Connecticut | $135 | $233 |
| Delaware | $134 | $224 |
| Florida | $119 | $276 |
| Georgia | $142 | $235 |
| Hawaii | $53 | $121 |
| Idaho | $58 | $118 |
| Illinois | $97 | $183 |
| Indiana | $68 | $134 |
| Iowa | $65 | $156 |
| Kansas | $79 | $185 |
| Kentucky | $126 | $216 |
| Louisiana | $204 | $430 |
| Maine | $57 | $118 |
| Maryland | $154 | $261 |
| Massachusetts | $105 | $224 |
| Michigan | $165 | $321 |
| Minnesota | $90 | $189 |
| Mississippi | $101 | $197 |
| Missouri | $131 | $260 |
| Montana | $84 | $202 |
| Nebraska | $77 | $176 |
| Nevada | $165 | $298 |
| New Hampshire | $74 | $132 |
| New Jersey | $158 | $261 |
| New Mexico | $85 | $190 |
| New York | $116 | $208 |
| North Carolina | $81 | $160 |
| North Dakota | $70 | $153 |
| Ohio | $81 | $157 |
| Oklahoma | $99 | $220 |
| Oregon | $114 | $198 |
| Pennsylvania | $95 | $222 |
| Rhode Island | $125 | $224 |
| South Carolina | $100 | $188 |
| South Dakota | $65 | $202 |
| Tennessee | $83 | $169 |
| Texas | $126 | $258 |
| Utah | $104 | $178 |
| Vermont | $52 | $123 |
| Virginia | $97 | $157 |
| Washington | $93 | $174 |
| West Virginia | $94 | $192 |
| Wisconsin | $71 | $156 |
| Wyoming | $45 | $139 |
BMW X6 Insurance Cost by Driver Profile
Your age and driving history dramatically impact BMW X6 insurance costs. Adult drivers between 26-64 enjoy the most affordable rates at $155 monthly, while young drivers under 25 face the steepest premiums averaging $392 per month.
| Adult Drivers | $105 | $205 |
| Young Drivers | $268 | $517 |
| Senior Drivers | $140 | $259 |
| Drivers With a Speeding Ticket | $131 | $258 |
| Drivers With an Accident | $155 | $300 |
| Drivers With a DUI | $194 | $375 |
| Drivers With Bad Credit | $256 | $515 |
Is a BMW X6 Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW X6 ranks 544th out of 827, making it one of the more expensive cars to insure. Among midsize luxury crossover SUVs, the model ranks 12th out of 22.
| Buick Rendezvous | $72 | $139 |
| Lincoln MKX | $83 | $161 |
| Infiniti JX | $90 | $175 |
| Acura ADX | $92 | $179 |
| Cadillac SRX | $93 | $180 |
| Acura MDX | $93 | $180 |
| Bmw X5 | $94 | $182 |
| Mercedes R-Class | $95 | $183 |
| Infiniti QX60 | $101 | $196 |
| Acura ZDX | $101 | $197 |
| Cadillac XT6 | $103 | $201 |
| Bmw X6 | $105 | $205 |
| Land Rover Range Rover Velar | $109 | $213 |
| Cadillac Lyriq | $109 | $213 |
| Genesis GV80 | $120 | $234 |
| Audi SQ7 | $121 | $238 |
| Tesla Model X | $143 | $279 |
| Cadillac Lyriq-V | $147 | $287 |
| Audi SQ8 | $151 | $296 |
| Polestar 3 | $165 | $321 |
| Audi SQ6 e-tron | $360 | $709 |
| Audi Q8 e-tron | $369 | $727 |
Factors That Affect BMW Car Insurance Costs
Multiple factors affect your BMW X6 insurance costs:
- Age (56 median): Mature drivers benefit from lower age-related risk factors, though the X6's performance orientation can offset these advantages.
- Gender (64% male): Male ownership concentration reflects performance SUV appeal but correlates with higher risk-taking driving behaviors.
- Income ($124,800+ average): High creditworthiness and homeownership (90%) reduce premiums, while financial capacity enables higher-risk vehicle modifications and performance driving.
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers, with median annual costs of $1,423. These higher repair costs can lead to higher insurance premiums for X6 owners.
Vehicle Trim, Features and Accessories
The BMW X6's powerful engine lineup impacts insurance costs. Premium trims ranging from $74,500 (xDrive40i) to $129,700 (M Competition) include expensive technology like BMW Curved Display, Highway Assistant, and premium Harman Kardon sound systems.
The M Competition's 617-horsepower output and advanced M suspension components represent extreme performance classifications, resulting in the highest insurance premiums in the X6 lineup.
Fuel Type
The BMW X6 requires premium unleaded gasoline across all trim levels, with fuel economy ranging from 23/26 mpg (xDrive40i) to 17/22 mpg (M60i). The sophisticated twin-turbo and hybrid systems demand high-octane fuel and specialized maintenance protocols.
The 48-volt mild-hybrid technology, while improving efficiency, adds complexity to the electrical and engine management systems. During insurance claims involving engine or electrical damage, repairs require BMW-certified technicians with specialized diagnostic equipment, limiting service options and increasing labor costs compared to conventional powertrains.
Location
BMW X6 ownership concentrates heavily in affluent metropolitan areas, including California, the Northeast, and major Southern cities, where luxury SUV ownership rates are highest. These regions typically correlate with elevated insurance costs due to urban density, higher theft rates and premium repair facility pricing.
The vehicle's performance SUV classification attracts buyers in markets where high-income professionals value both luxury and utility. Comprehensive coverage rates in expensive areas reflect higher vehicle values and increased target appeal for theft or vandalism.
Driver Profile
Most BMW X6 drivers represent established professionals with a median age of 56 and household incomes averaging $124,800 annually. This demographic typically includes college-educated individuals who prioritize performance and luxury in their vehicle choices.
Driver demographics affecting BMW X6 rates:
Cheapest BMW X6 Insurance Companies
BMW X6 drivers can secure the most affordable full coverage car insurance through The Hartford, with average monthly premiums of $167. For drivers seeking basic minimum coverage, GEICO offers the cheapest option at $77 monthly.
| GEICO | $77 | $168 |
| The Hartford | $98 | $167 |
| Progressive | $96 | $181 |
| Travelers | $100 | $185 |
| Kemper | $95 | $195 |
Cheapest BMW X6 Insurance by State
We found that these three insurers offer the most affordable BMW X6 coverage nationwide:
- GEICO: Ranks as the cheapest option in 13 states
- Auto-Owners: Wins for affordability in nine states
- Progressive: Offers the lowest rates in seven states
Filter below to find which company provides the best BMW X6 insurance rates in your area.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Auto Owners | $71 |
How to Get the Best Cheap BMW X6 Insurance
Below we break down the best way to buy car insurance for your BMW X6:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your BMW will help you understand how much you're saving currently and with another provider. You can then search for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your BMW X6, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that BMW X6 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): BMW owners have an average household income of $124,800 per year, higher than the U.S. median, often meaning multiple vehicles in affluent households. This substantial income level typically supports owning more than one car, qualifying X6 owners for multi-vehicle discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 90% of BMW buyers owning their own homes and a median home value of $317,200, X6 owners can bundle auto and home insurance for substantial savings from major carriers. Their high homeownership rate and affluent status make multiple policies the norm for this demographic.
- Good Driver/Safe Driver Discount (5% to 30% savings): BMW owners have a median age of 56 years old, with 75% having no children in the household — a mature, experienced demographic that typically maintains clean driving records. This established profile helps X6 owners qualify for good driver discounts across most insurance companies.
- Safety Features/Advanced Safety Discount (5% to 40% savings): IIHS gave the X6 platform good ratings in crash tests, and its built-in features, like Active Driving Assistant with collision warning and advanced safety systems, help you avoid crashes. Lots of insurance companies will knock money off your bill for this comprehensive safety technology that comes standard.
- Professional/Occupation Discount (5% to 15% savings): With 80% being college-educated professionals and a median household income over $100,000, X6 owners often work in high-level professional occupations. Engineers, teachers, medical professionals, and other white-collar occupations frequently receive reduced rates due to their statistical safety profiles.
- 5
Consider alternative car insurance types
BMW X6 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW X6 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW X6 Insurance Cost: Bottom Line
Insuring a BMW X6 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW X6 Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW X6.
What is the average cost of car insurance for a BMW X6?
The BMW X6's average annual insurance cost is $1,261 annually for minimum protection and $2,459 for full coverage.
What company has the cheapest car insurance for a BMW X6?
BMW X6 drivers can secure the most affordable full coverage car insurance through The Hartford, with average monthly premiums of $167. For drivers seeking basic minimum coverage, GEICO offers the cheapest option at $77 monthly.
Are BMW X6s expensive to insure?
Yes, BMW X6 insurance costs more than most cars. Out of 827 vehicles we track, the X6 ranks 544th for affordability. Among midsize luxury crossover SUVs, the model ranks 12th out of 22.
What factors affect insurance costs for BMW X6s?
Several things drive up your BMW X6 rates. Repairs cost more because of specialized parts and premium materials. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer BMW-certified repair shops cost more.
How can I lower BMW X6 insurance costs?
Shop around with multiple insurers as rates vary, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW X6 Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW X6 insurance costs.
Who We Based These Rates On
These BMW X6 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.