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 M? 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 M insurance facts

  • Average full coverage auto insurance premium: $251/month

  • Most affordable companies: Progressive ($133/month) & Mercury ($144/month)

  • X6 M car insurance cost vs. average rate: $219 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW X6 M 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 M insurer costs by state:

Risk factors affecting BMW X6 M 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 M 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 M 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 M 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 M

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4135
Allied$4427
Allstate$3277
American Family$3060
Amica$4630
Country Financial$3648
Erie$2616
GEICO$2905
Kentucky Farm Bureau$3612
Liberty Mutual$2679
Mercury$3138
Nationwide$2271
Progressive$2365
State Farm$2502
Tennessee Farmers$3090
Texas Farm Bureau$3043
The Hanover$3911
Travelers$3394

Compare all 2021 BMW X6 M rates

Average Cost to Insure Per Year

$3340

List Price

$108600

Trims Available

Base - Base Engine: 4.4-liter M TwinPower Turbo V-8 delivering up to 617 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 M

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4125
Allstate$3267
American Family$3057
Country Financial$3526
Erie$2606
GEICO$2861
Kentucky Farm Bureau$3584
Liberty Mutual$2657
Mercury$3130
Nationwide$2216
Progressive$2341
State Farm$2467
Tennessee Farmers$3067
Texas Farm Bureau$2993
The Hanover$3869
Travelers$3370

Compare all 2020 BMW X6 M rates

Average Cost to Insure Per Year

$3328

List Price

$108600

Trims Available

Base - Base Engine: 4.4-liter M TwinPower Turbo V-8 delivering up to 617 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 M

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4069
Allstate$3240
American Family$3028
Country Financial$3520
Erie$2597
GEICO$2851
Kentucky Farm Bureau$3569
Liberty Mutual$2635
Mercury$3129
Nationwide$2090
Progressive$2264
State Farm$2415
Tennessee Farmers$3047
Texas Farm Bureau$2963
The Hanover$3745
Travelers$3369

Compare all 2019 BMW X6 M rates

Average Cost to Insure Per Year

$3130

List Price

$105700

Trims Available

Base - Base Engine: 4.4-liter M TwinPower Turbo V-8 delivering up to 617 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 M

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4035
Allstate$3127
American Family$2690
Country Financial$3460
Erie$2240
GEICO$2319
Kentucky Farm Bureau$3544
Liberty Mutual$2280
Mercury$3064
Nationwide$2035
Progressive$2044
State Farm$2139
Tennessee Farmers$2816
Texas Farm Bureau$2487
The Hanover$3624
Travelers$3290

Compare all 2018 BMW X6 M rates

Average Cost to Insure Per Year

$3125

List Price

$105100

Trims Available

Base - Base Engine: 4.4-liter M TwinPower Turbo V-8 delivering up to 617 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

2017 BMW X6 M

Cheapest Insurance CompaniesAverage Annual Cost
21st Century$ 4019
21st Century$ 4019
Allstate$ 3283
Allstate$ 3283
American Family$ 3393
American Family$ 3393
Amica$ 3726
Amica$ 3726
Farmers$ 2299
Farmers$ 2299
GEICO$ 2048
GEICO$ 2048
Mercury$ 1469
Mercury$ 1469
Nationwide$ 2041
Nationwide$ 2041
Progressive$ 1332
Progressive$ 1332
Southern Farm Bureau$ 2936
Southern Farm Bureau$ 2936
State Farm$ 1963
State Farm$ 1963
USAA$ 1427
USAA$ 1427

Compare all 2017 BMW X6 M rates

Average Cost to Insure Per Year

$ 2393

List Price

$ 104100

Trims Available

Base

2016 BMW X6 M

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2903
Acuity$ 2903
Allied$ 2518
Allied$ 2518
Arbella$ 2486
Arbella$ 2486
Country$ 2569
Country$ 2569
Erie$ 2074
Erie$ 2074
Mercury$ 1769
Mercury$ 1769
Nationwide$ 2596
Nationwide$ 2596
Plymouth Rock Insurance$ 2089
Plymouth Rock Insurance$ 2089
Progressive$ 1815
Progressive$ 1815
State Farm$ 2536
State Farm$ 2536
Tennessee Farmers$ 1250
Tennessee Farmers$ 1250
USAA$ 2816
USAA$ 2816

Compare all 2016 BMW X6 M rates

Average Cost to Insure Per Year

$ 3592

List Price

$ 102200

Trims Available

Base

2015 BMW X6 M

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2796
Acuity$ 2796
Allied$ 2515
Allied$ 2515
Arbella$ 2411
Arbella$ 2411
Country$ 2490
Country$ 2490
Erie$ 1995
Erie$ 1995
Mercury$ 1744
Mercury$ 1744
Nationwide$ 2604
Nationwide$ 2604
Plymouth Rock Insurance$ 2018
Plymouth Rock Insurance$ 2018
Progressive$ 1779
Progressive$ 1779
State Farm$ 2467
State Farm$ 2467
Tennessee Farmers$ 2586
Tennessee Farmers$ 2586
USAA$ 2719
USAA$ 2719

Compare all 2015 BMW X6 M rates

Average Cost to Insure Per Year

$ 3533

List Price

$ 102100

Trims Available

Base

2013 BMW X6 M

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2492
Acuity$ 2492
Allied$ 2075
Allied$ 2075
Arbella$ 2102
Arbella$ 2102
Country$ 2322
Country$ 2322
Erie$ 1818
Erie$ 1818
Mercury$ 1718
Mercury$ 1718
Nationwide$ 2241
Nationwide$ 2241
Plymouth Rock Insurance$ 1848
Plymouth Rock Insurance$ 1848
Progressive$ 1605
Progressive$ 1605
State Farm$ 2260
State Farm$ 2260
Tennessee Farmers$ 2386
Tennessee Farmers$ 2386
USAA$ 2219
USAA$ 2219

Compare all 2013 BMW X6 M rates

Average Cost to Insure Per Year

$ 3017

List Price

$ 92900

Trims Available

Base

2012 BMW X6 M

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1973
Acuity$ 1973
Allied$ 1828
Allied$ 1828
Arbella$ 1950
Arbella$ 1950
Country$ 2017
Country$ 2017
Erie$ 1653
Erie$ 1653
Mercury$ 1720
Mercury$ 1720
Plymouth Rock Insurance$ 1795
Plymouth Rock Insurance$ 1795
Progressive$ 1724
Progressive$ 1724
State Farm$ 2030
State Farm$ 2030
Tennessee Farmers$ 1992
Tennessee Farmers$ 1992
USAA$ 1933
USAA$ 1933
Vermont Mutual$ 2062
Vermont Mutual$ 2062

Compare all 2012 BMW X6 M rates

Average Cost to Insure Per Year

$ 3009

List Price

$ 90300

Trims Available

Base

2011 BMW X6 M

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1867
Acuity$ 1867
Allied$ 1746
Allied$ 1746
Arbella$ 1897
Arbella$ 1897
Country$ 1914
Country$ 1914
Erie$ 1593
Erie$ 1593
Mercury$ 1724
Mercury$ 1724
Nationwide$ 2016
Nationwide$ 2016
Plymouth Rock Insurance$ 1766
Plymouth Rock Insurance$ 1766
Progressive$ 1611
Progressive$ 1611
Tennessee Farmers$ 1938
Tennessee Farmers$ 1938
USAA$ 1796
USAA$ 1796
Vermont Mutual$ 1941
Vermont Mutual$ 1941

Compare all 2011 BMW X6 M rates

Average Cost to Insure Per Year

$ 2969

List Price

$ 89200

Trims Available

Base