Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used BMW X6? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW X6 insurance facts

  • Average full coverage auto insurance premium: $223/month

  • Most affordable companies: Tennessee Farmers ($134/month) & State Farm ($142/month)

  • X6 car insurance cost vs. average rate: $117 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW X6 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average BMW X6 insurer costs by state:

Risk factors affecting BMW X6 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW X6 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average X6 repair costs equal higher car insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW X6 affecting auto policies

Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2740
Allstate$2344
Erie$2248
GEICO$2147
Kentucky Farm Bureau$2419
Liberty Mutual$1785
Mercury$1783
Nationwide$2361
Progressive$1926
Safeco$2788
State Farm$1654
Tennessee Farmers$1609
Texas Farm Bureau$2169
The Hanover$2541
Travelers$2357
USAA$1986

Compare all 2021 BMW X6 rates

Average Cost to Insure Per Year

$2667

List Price

$65050

Trims Available

sDrive35i - xDrive35i - xDrive50i - Base - Base Engine: 4.4-liter twin-turbo V8 with 523 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2739
Allstate$2159
American Family$1614
Erie$2130
Farmers$2256
GEICO$2045
Liberty Mutual$1765
Mercury$1733
Nationwide$2247
Progressive$1906
State Farm$1536
Tennessee Farmers$1511
Texas Farm Bureau$2067
The Hanover$2514
Travelers$2215
USAA$1964

Compare all 2020 BMW X6 rates

Average Cost to Insure Per Year

$2640

List Price

$64300

Trims Available

sDrive35i - xDrive35i - xDrive50i - Base - Base Engine: 4.4-liter twin-turbo V8 with 523 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2649
Allstate$2105
American Family$1588
Erie$2043
GEICO$1997
Kentucky Farm Bureau$2216
Liberty Mutual$1734
Mercury$1623
Nationwide$2205
Progressive$1864
State Farm$1511
Tennessee Farmers$1427
Texas Farm Bureau$2031
The Hanover$2490
Travelers$2167
USAA$1924

Compare all 2019 BMW X6 rates

Average Cost to Insure Per Year

$2573

List Price

$63550

Trims Available

sDrive35i - xDrive35i - xDrive50i - Base - Base Engine: 4.4-liter twin-turbo V8 with 523 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1928
Acuity$ 1928
Allied$ 1941
Allied$ 1941
Arbella$ 2147
Arbella$ 2147
Erie$ 1499
Erie$ 1499
Mercury$ 1829
Mercury$ 1829
Nationwide$ 1944
Nationwide$ 1944
Plymouth Rock Insurance$ 1769
Plymouth Rock Insurance$ 1769
Progressive$ 1632
Progressive$ 1632
State Farm$ 2111
State Farm$ 2111
Tennessee Farmers$ 1235
Tennessee Farmers$ 1235
USAA$ 1547
USAA$ 1547
Vermont Mutual$ 2162
Vermont Mutual$ 2162

Compare all 2018 BMW X6 rates

Average Cost to Insure Per Year

$ 2486

List Price

$ 62950

Trims Available

sDrive35i - xDrive35i - xDrive50i

2017 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1913
Acuity$ 1913
Allied$ 1973
Allied$ 1973
Arbella$ 2031
Arbella$ 2031
Country$ 2048
Country$ 2048
Erie$ 1442
Erie$ 1442
Mercury$ 1786
Mercury$ 1786
Nationwide$ 1975
Nationwide$ 1975
Plymouth Rock Insurance$ 1713
Plymouth Rock Insurance$ 1713
Progressive$ 1636
Progressive$ 1636
State Farm$ 1939
State Farm$ 1939
Tennessee Farmers$ 1864
Tennessee Farmers$ 1864
USAA$ 1534
USAA$ 1534

Compare all 2017 BMW X6 rates

Average Cost to Insure Per Year

$ 2642

List Price

$ 62500

Trims Available

sDrive35i - xDrive35i - xDrive50i

2016 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1847
Acuity$ 1847
Allied$ 1929
Allied$ 1929
Arbella$ 1948
Arbella$ 1948
Country$ 1971
Country$ 1971
Erie$ 1423
Erie$ 1423
Mercury$ 1765
Mercury$ 1765
Nationwide$ 1999
Nationwide$ 1999
Plymouth Rock Insurance$ 1662
Plymouth Rock Insurance$ 1662
Progressive$ 1779
Progressive$ 1779
Tennessee Farmers$ 1205
Tennessee Farmers$ 1205
USAA$ 1519
USAA$ 1519
Vermont Mutual$ 1981
Vermont Mutual$ 1981

Compare all 2016 BMW X6 rates

Average Cost to Insure Per Year

$ 2795

List Price

$ 60600

Trims Available

sDrive35i - xDrive35i - xDrive50i

2015 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1705
Acuity$ 1705
Allied$ 1800
Allied$ 1800
Country$ 1867
Country$ 1867
Erie$ 1329
Erie$ 1329
Mercury$ 1738
Mercury$ 1738
Nationwide$ 1872
Nationwide$ 1872
Plymouth Rock Insurance$ 1604
Plymouth Rock Insurance$ 1604
Progressive$ 1740
Progressive$ 1740
State Farm$ 1817
State Farm$ 1817
Tennessee Farmers$ 1719
Tennessee Farmers$ 1719
USAA$ 1325
USAA$ 1325
Vermont Mutual$ 1803
Vermont Mutual$ 1803

Compare all 2015 BMW X6 rates

Average Cost to Insure Per Year

$ 2521

List Price

$ 59600

Trims Available

sDrive35i - xDrive35i - xDrive50i

2014 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2045
Acuity$ 2045
Allied$ 2267
Allied$ 2267
Arbella$ 1998
Arbella$ 1998
Country$ 2068
Country$ 2068
Erie$ 1386
Erie$ 1386
Mercury$ 1720
Mercury$ 1720
Plymouth Rock Insurance$ 1688
Plymouth Rock Insurance$ 1688
Progressive$ 1740
Progressive$ 1740
Safeco$ 2226
Safeco$ 2226
Tennessee Farmers$ 1997
Tennessee Farmers$ 1997
USAA$ 1519
USAA$ 1519
Vermont Mutual$ 2151
Vermont Mutual$ 2151

Compare all 2014 BMW X6 rates

Average Cost to Insure Per Year

$ 3188

List Price

$ 60800

Trims Available

xDrive35i - xDrive50i

2013 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1785
Acuity$ 1785
Allied$ 2057
Allied$ 2057
Arbella$ 1888
Arbella$ 1888
Country$ 2049
Country$ 2049
Erie$ 1281
Erie$ 1281
Mercury$ 1718
Mercury$ 1718
Plymouth Rock Insurance$ 1566
Plymouth Rock Insurance$ 1566
Progressive$ 1590
Progressive$ 1590
State Farm$ 1867
State Farm$ 1867
Tennessee Farmers$ 1811
Tennessee Farmers$ 1811
USAA$ 1331
USAA$ 1331
Vermont Mutual$ 1869
Vermont Mutual$ 1869

Compare all 2013 BMW X6 rates

Average Cost to Insure Per Year

$ 2756

List Price

$ 59800

Trims Available

xDrive35i - xDrive50i

2012 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1523
Acuity$ 1523
Arbella$ 1778
Arbella$ 1778
Country$ 1870
Country$ 1870
Erie$ 1230
Erie$ 1230
Mercury$ 1718
Mercury$ 1718
Plymouth Rock Insurance$ 1512
Plymouth Rock Insurance$ 1512
Progressive$ 1590
Progressive$ 1590
Southern Farm Bureau$ 1779
Southern Farm Bureau$ 1779
State Farm$ 1656
State Farm$ 1656
Tennessee Farmers$ 1633
Tennessee Farmers$ 1633
USAA$ 1288
USAA$ 1288
Vermont Mutual$ 1580
Vermont Mutual$ 1580

Compare all 2012 BMW X6 rates

Average Cost to Insure Per Year

$ 2605

List Price

$ 59600

Trims Available

xDrive35i - xDrive50i

2011 BMW X6

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1780
American Family$ 1780
Amica$ 1791
Amica$ 1791
Arbella$ 1387
Arbella$ 1387
Country$ 1752
Country$ 1752
Erie$ 1181
Erie$ 1181
Mercury$ 1721
Mercury$ 1721
Plymouth Rock Insurance$ 1523
Plymouth Rock Insurance$ 1523
Progressive$ 1500
Progressive$ 1500
Southern Farm Bureau$ 1655
Southern Farm Bureau$ 1655
Tennessee Farmers$ 1559
Tennessee Farmers$ 1559
USAA$ 1221
USAA$ 1221
Vermont Mutual$ 1459
Vermont Mutual$ 1459

Compare all 2011 BMW X6 rates

Average Cost to Insure Per Year

$ 2538

List Price

$ 57000

Trims Available

xDrive35i - xDrive50i