2021 BMW X6 Car Insurance Calculator

Explore and understand how decisions you make affect the cost of insurance for a 2021 BMW X6. Adjust rate factors like your marital status, location, and homeowner status to see how insurance cost is affected. Immediately discover the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2021 BMW X6 is $2,796 per year, or about $233 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,796

Cost Per Month

$233

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW X6 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2021 BMW X6.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,796
Average Rate
Your Rate
$2,796

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2021 BMW X6 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 BMW X6 is $2,796.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 BMW X6 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2021 BMW X6 against all other models in the midsize luxury SUV segment. The BMW X6 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW X6, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X6.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 BMW X6 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$2,004-$792
2Cadillac XT5$2,048-$748
3Lincoln Nautilus$2,108-$688
4Lexus RX 350$2,146-$650
5Infiniti QX50$2,154-$642
6Jaguar E-Pace$2,166-$630
7Lexus RX 350L$2,206-$590
8Cadillac XT6$2,228-$568
9Acura MDX$2,254-$542
10Genesis GV80$2,296-$500
11Mercedes-Benz GLE450$2,302-$494
12Lincoln Aviator$2,326-$470
13Volvo V90$2,340-$456
14Infiniti QX60$2,378-$418
15Land Rover Discovery Sport$2,388-$408
16Lexus GX 460$2,424-$372
2021 Midsize Luxury SUV Average$2,440-$356
17Mercedes-Benz AMG GLC43$2,484-$312
18Land Rover Discovery$2,500-$296
19Audi SQ5$2,508-$288
20Mercedes-Benz GLE350$2,518-$278
21Lexus RX 450$2,546-$250
22Audi Q8$2,560-$236
23BMW X5$2,562-$234
24Mercedes-Benz AMG GLC63$2,642-$154
25Audi Q7$2,646-$150
26Audi e-tron$2,730-$66
27BMW X6$2,796--
28Tesla Model X$2,888$92
29Porsche Cayenne$2,958$162
30Mercedes-Benz AMG GLE63$3,090$294

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 X6 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 BMW X6.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 BMW X6 Insurance Rates by Trim Level
2021 BMW X6 Trim Level Annual Premium Cost Per Month
sDrive 40i 2WD$2,652$221
sDrive 40i Executive 2WD$2,716$226
sDrive 40i Premium 2WD$2,716$226
sDrive 40i Sport 2WD$2,716$226
xDrive 40i AWD$2,716$226
xDrive 40i Premium AWD$2,716$226
xDrive 40i Dynamic AWD$2,782$232
xDrive 40i Executive AWD$2,782$232
xDrive 40i Off-Road AWD$2,782$232
xDrive 40i Sport AWD$2,782$232
m50i AWD$2,976$248
m50i Dynamic AWD$2,976$248
m50i Executive AWD$3,038$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 BMW X6 for different driver ages.

2021 BMW X6 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,834$820
17$9,611$801
18$8,770$731
19$7,914$660
20$6,095$508
21$5,813$484
22$5,224$435
23$4,222$352
24$4,017$335
25$3,258$272
30$2,996$250
35$2,864$239
40$2,796$233
45$2,600$217
50$2,456$205
55$2,296$191
60$2,304$192
65$2,464$205
70$2,630$219
75$3,064$255
80$3,780$315

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW X6 trim levels.