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BMW X6: States with exorbitant insurance rates

The BMW X6 was introduced in 2008 as a Sports Activity Coupe (SAC). This SAC seats four, and is available in several power versions: the 225 kW version, the 300kW version, and the 408 kW version. This is a crossover car which combines the style of an SUV with the features of a coupe. The car also packs a punch in terms of entertainment, and includes the iDrive system.

The X6 is also a very popular car in the used car market. If you are considering buying an X6, make sure you include insurance costs in your financial estimates. Insurance can account for up to 5% of your costs, which is much higher than it seems. The average annual insurance for an X6 ranges between $1,387 and $2905, and the insurance rate is higher than $1400 in almost all the states. The median price of this car ranges between $36,991 in Texas to $23,975 in Alaska.

Insuring an X6 is extremely expensive in almost all the states, but the table below lists the most expensive states to buy and insure an X6 –

State Insurance Average ($) Median Price ($) Total cost of purchase including insurance ($) Insurance %
Alaska 2,093 23,975 26,068 8
Michigan 2,905 48,880 51,785 5
California 2,296 47,900 50,196 4
New Jersey 2,120 49,990 52,110 4
Arkansas 2,075 46,887 48,962 4

In California, you might have to pay 4% of you median price for insuring your X6, though the total cost of purchasing the X3 is really exorbitant here.

There are several ways by which the insurance rates for the BMW X6 can be reduced.  For instance, you can increase the security for your car by parking it in a garage instead of parking it one the drive way. But under no certain terms should one lie otherwise. This is because if there occurs a theft and you are found to be lying, the whole insurance claim can be invalidated.

Average Yearly Insurance Premium $1,840
BMW X6 MSRP $71,040
Estimated Monthly Income to Afford a BMW X6 Car including Insurance $1,290

BMW X6 - Average Insurance Price by Segment

Male $4,890
Male Married $3,300
Female $2,110
Female Married $1,890
Teenage Boy $12,160
Teenage Girl $3,190

Expensive States for Insuring BMW X6

RankStateAverage Insurance of BMW X6MSRPEstimated Monthly Income to Afford a BMW X6 including Insurance Cost
1 Michigan $2,900 $70,900 $1,310
2 Louisiana $2,900 $70,900 $1,310
3 Georgia $2,800 $68,800 $1,270
4 Oklahoma $2,700 $70,900 $1,300
5 Montana $2,600 $70,900 $1,300
6 West Virginia $2,300 $70,900 $1,300
7 California $2,200 $70,100 $1,280
8 Wyoming $2,100 $61,000 $1,120
9 Missouri $2,100 $70,900 $1,290
10 Connecticut $2,100 $70,900 $1,290

Cheap States for Insuring BMW X6

RankStateAverage Insurance of BMW X6MSRPEstimated Monthly Income to Afford a BMW X6 including Insurance Cost
1 Maine $1,100 $70,900 $1,280
2 New Hampshire $1,300 $70,900 $1,280
3 Ohio $1,300 $72,300 $1,300
4 Iowa $1,400 $68,600 $1,240
5 Indiana $1,400 $73,100 $1,320
6 Wisconsin $1,400 $69,200 $1,250
7 Florida $1,500 $73,100 $1,320
8 South Carolina $1,500 $70,900 $1,280
9 Vermont $1,500 $70,900 $1,280
10 Washington $1,500 $70,900 $1,280

BMW X6 - Remaining States under Study

RankStateAverage Insurance of BMW X6MSRPEstimated Monthly Income to Afford of BMW X6 including Insurance Cost
1 Arizona $1,600 $72,700 $1,320
2 Colorado $1,600 $71,300 $1,290
3 Idaho $1,600 $85,800 $1,550
4 Illinois $1,600 $68,800 $1,250
5 Mississippi $1,600 $70,900 $1,280
6 North Carolina $1,600 $71,100 $1,290
7 New Mexico $1,600 $70,900 $1,280
8 New York $1,600 $72,200 $1,310
9 Virginia $1,600 $70,900 $1,280
10 Nevada $1,700 $70,900 $1,290
11 Oregon $1,700 $74,400 $1,350
12 Tennessee $1,700 $70,500 $1,280
13 Utah $1,700 $70,900 $1,290
14 Delaware $1,800 $70,900 $1,290
15 Hawaii $1,800 $75,800 $1,370
16 Kansas $1,800 $66,900 $1,220
17 Massachusetts $1,800 $72,300 $1,310
18 Nebraska $1,800 $70,900 $1,290
19 Alabama $1,900 $71,000 $1,290
20 Arkansas $1,900 $70,900 $1,290
21 Maryland $1,900 $70,900 $1,290
22 Minnesota $1,900 $70,900 $1,290
23 North Dakota $1,900 $65,200 $1,190
24 Pennsylvania $1,900 $63,000 $1,150
25 Alaska $2,000 $74,400 $1,350
26 Kentucky $2,000 $70,200 $1,280
27 New Jersey $2,000 $69,500 $1,270
28 Rhode Island $2,000 $70,200 $1,280
29 Texas $2,000 $79,900 $1,450

BMW X6 Models Comparison

Model Style Cylinders MSRP Average Premium of BMW X6 models Est. Monthly Income to Afford a BMW X6 including Insurance Cost
X6 XDrive 35i 4WD 4 Door 6 cyl. $71,000 $1,860 $1,290
X6 XDrive 50i 4WD 4 Door 8 cyl. $71,000 $1,880 $1,290

BMW X6 vs Luxury SUV Insurance Comparision