BMW X6 Insurance Cost – Ultimate 2022 Rate Comparisons

How much does BMW X6 car insurance cost? We tallied rates from the base sDrive 40i up to the m50i Executive model and ranked them against all other midsize luxury SUVs.

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How much does BMW X6 car insurance cost?

BMW X6 car insurance rates average $2,200 a year for full coverage, or around $183 on a monthly basis. With the average midsize luxury SUV costing $1,843 a year to insure, the BMW X6 would cost an estimated $357 more to insure each year.

The chart below demonstrates how average BMW X6 insurance costs fluctuate depending on the age of the driver and policy deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 BMW X6 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all BMW X6 trim levels.Data last updated on August 5, 2022
BMW X6 Car Insurance Rates
BMW X6 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,648$304
$500$4,404$367
$250$5,204$434
30$1,000$1,924$160
$500$2,340$195
$250$2,778$232
40$1,000$1,816$151
$500$2,200$183
$250$2,600$217
50$1,000$1,656$138
$500$2,000$167
$250$2,362$197
60$1,000$1,628$136
$500$1,966$164
$250$2,322$194

The next table breaks down average BMW X6 insurance costs for annual, semi-annual and monthly policy terms. Car insurance prices range from $1,516 to $2,200 for the 2013 to 2021 model years.

BMW X6 Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 BMW X6$2,200$1,100$183
2021 BMW X6$1,976$988$165
2020 BMW X6$1,934$967$161
2019 BMW X6$1,964$982$164
2018 BMW X6$2,048$1,024$171
2017 BMW X6$2,040$1,020$170
2016 BMW X6$1,892$946$158
2015 BMW X6$1,732$866$144
2014 BMW X6$1,660$830$138
2013 BMW X6$1,516$758$126

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
BMW X6 Car Insurance Rates by Model Year

What is the cheapest BMW X6 insurance?

The BMW X6 model with the cheapest insurance rates is the base xDrive trim (MSRP of $67,350) costing $2,002 per year, or about $167 per month. The $109,400 M xDrive trim is the most expensive to insure, costing an average of $376 more per year.

The rate table below displays the average yearly and semi-annual car insurance policy costs, in addition to a monthly insurance rate, for each BMW X6 model and trim level.

2022 BMW X6 Insurance Cost by Trim Level
BMW X6 Trim Level Annual Policy 6-month Policy Per Month
xDrive$2,002$1,001$167
M50i xDrive$2,218$1,109$185
M xDrive$2,378$1,189$198

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Table Data Details: Average rates are for a 2022 BMW X6, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
BMW X6 Insurance Cost by Trim Level

How does BMW X6 car insurance cost compare?

When compared directly to the most popular models in the midsize luxury SUV segment, insurance for a BMW X6 costs $630 more per year than the Lexus RX 350, $262 more than the BMW X5, $622 more than the Acura MDX, and $700 more than the Cadillac XT5.

The BMW X6 ranks #33 out of 36 total vehicles in the midsize luxury SUV class. The X6 costs an estimated $2,200 per year to insure and the segment average cost is $1,843 per year, a difference of $357 per year.

The chart below shows how insurance cost for a BMW X6 compares to the top 10 best-selling midsize luxury SUVs in the U.S. A table showing insurance rates for every vehicle in the 2022 midsize luxury SUV segment is included following the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year BMW X6, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all BMW X6 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Insurance Cost Comparison: BMW X6 vs Top 10 Midsize Luxury SUVs
BMW X6 Insurance Cost Compared to All Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,500-$700
2Jaguar E-Pace$1,564-$636
3Lexus RX 350$1,570-$630
4Acura MDX$1,578-$622
5Lincoln Nautilus$1,594-$606
6Lexus RX 450h$1,608-$592
7Infiniti QX50$1,614-$586
8Lexus RX 350L$1,628-$572
9Cadillac XT6$1,640-$560
10Volvo V60$1,648-$552
11Land Rover Discovery$1,660-$540
12Land Rover Discovery Sport$1,662-$538
13Lexus RX 450hL$1,676-$524
14Volvo V90$1,688-$512
15Lincoln Aviator$1,720-$480
16Mercedes-Benz AMG GLB35$1,740-$460
17Mercedes-Benz GLE450$1,744-$456
18Lexus GX 460$1,766-$434
19Infiniti QX60$1,774-$426
20Mercedes-Benz GLE350$1,784-$416
21Genesis GV80$1,818-$382
22Mercedes-Benz AMG GLC43$1,846-$354
23Audi SQ5$1,874-$326
24BMW X5$1,938-$262
25Audi Q8$1,966-$234
26Audi Q7$1,998-$202
27Land Rover Range Rover Sport$2,020-$180
28BMW iX$2,034-$166
29Tesla Model X$2,064-$136
30Audi SQ7$2,124-$76
31Audi e-tron$2,144-$56
32Mercedes-Benz AMG GLE53$2,150-$50
33BMW X6$2,200--
34Mercedes-Benz AMG GLE63$2,292$92
35Porsche Cayenne$2,314$114
36Audi RS 6$2,390$190

Below are a few additional situations that have significant impact on car insurance rates along with some ways you might be able to save a few bucks on your next policy.

  • Car insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $384 per year for a 40-year-old driver and $756 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy cost. Lowering your policy deductibles from $500 to $250 could cost an additional $400 per year for a 40-year-old driver and $800 per year for a 20-year-old driver.
  • Expect to pay a lot to insure a teenager on a BMW X6. Average rates for full coverage X6 insurance costs $7,706 per year for a 16-year-old driver, $7,278 per year for a 17-year-old driver, and $6,824 per year for a 18-year-old driver.
  • It’s expensive to buy high-risk insurance. For a 30-year-old driver, being required to buy a high-risk insurance policy can increase the cost by $2,690 or more per year.
  • Safe drivers pay less. Multiple at-fault accidents raise rates, possibly by an extra $1,032 per year for a 30-year-old driver and as much as $694 per year for a 50-year-old driver. Save yourself some money by being a safe driver.
  • Driving violations increase insurance rates. If you want the cheapest X6 car insurance rates, it’s necessary to follow traffic laws and not get pulled over. Not surprisingly, just one or two minor traffic violations can increase the cost of a policy as much as $578 per year.
  • Raise your credit score for cheaper auto insurance rates. In states that give the go-ahead for credit history to be used as a policy cost factor, having a high credit score of 800+ could save as much as $345 per year compared to a credit rating between 670-739. Conversely, a diminished credit rating could cost as much as $400 more per year.
  • Research discounts to save money. Discounts may be available if the insured drivers belong to certain professional organizations, are accident-free, are good students, are claim-free, or many other discounts which could save the average driver as much as $376 per year.