2023 BMW X6 Car Insurance Calculator

See in real-time how the choices you make impact car insurance rates for a 2023 BMW X6. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2023 BMW X6 is $3,160 per year, or about $263 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

$3,160

Cost Per Month

$263

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 2023 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.

$3,160
Average Rate
Your Rate
$3,160

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 2023 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 2023 BMW X6 is $3,160.

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.

2023 BMW X6 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2023 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.

2023 BMW X6 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$1,116
2Infiniti QX50$2,112-$1,048
3Cadillac XT5$2,166-$994
4Cadillac XT6$2,206-$954
5Acura MDX$2,272-$888
6Lincoln Nautilus$2,306-$854
7Lexus RX 350L$2,332-$828
8Land Rover Discovery Sport$2,334-$826
9Jaguar E-Pace$2,356-$804
10Volvo V90$2,376-$784
11Lexus RX 450h$2,404-$756
12Lexus GX 460$2,430-$730
13Volvo V60$2,446-$714
14Lexus RX 450hL$2,454-$706
15Mercedes-Benz AMG GLB35$2,500-$660
16Genesis GV80$2,504-$656
17Audi SQ5$2,512-$648
18Lincoln Aviator$2,532-$628
19Infiniti QX60$2,548-$612
20Mercedes-Benz GLE450$2,570-$590
21Mercedes-Benz GLE350$2,604-$556
22Land Rover Discovery$2,616-$544
2023 Midsize Luxury SUV Average$2,652-$508
23Mercedes-Benz AMG GLC43$2,654-$506
24Audi Q7$2,720-$440
25Audi e-tron$2,814-$346
26Tesla Model X$2,826-$334
27Mercedes-Benz AMG GLE53$2,830-$330
28BMW X5$2,886-$274
29Audi Q8$2,894-$266
30Land Rover Range Rover Sport$2,918-$242
31Audi SQ7$3,056-$104
32BMW iX$3,102-$58
33BMW X6$3,160--
34Porsche Cayenne$3,186$26
35Mercedes-Benz AMG GLE63$3,340$180
36Audi RS 6$3,394$234
37BMW XM$3,722$562

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.

2023 X6 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 BMW X6 Insurance Rates by Trim Level
2023 BMW X6 Trim Level Annual Premium Cost Per Month
xDrive40i$2,876$240
M50i xDrive$3,180$265
M xDrive$3,424$285

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 2023 BMW X6 for different driver ages.

2023 BMW X6 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,145$929
17$10,879$907
18$9,896$825
19$8,946$746
20$6,880$573
21$6,564$547
22$5,897$491
23$4,778$398
24$4,538$378
25$3,684$307
30$3,384$282
35$3,240$270
40$3,160$263
45$2,940$245
50$2,778$232
55$2,596$216
60$2,606$217
65$2,782$232
70$2,980$248
75$3,476$290
80$4,290$358

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.