BMW X5 Insurance Rates
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UPDATED: Jun 6, 2023
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How much does it cost to insure a BMW X5? Auto insurance for a BMW X5 costs $1,724 a year, or $143 a month. Read on to find out what drivers can do to save on BMW X5 insurance rates.
To start comparison shopping for everything from 2007 BMW X5 insurance costs to 2019 BMW X5 insurance costs, enter your ZIP code in our free tool above.
Estimated insurance rates for a BMW X5 are $1,552 a year with full coverage. Comprehensive insurance costs approximately $344, collision insurance costs $598, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $3,362 or more. Teen drivers pay the most at up to $5,742 a year.
Average premium for full coverage: $1,552
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different X5 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a BMW X5 range from as low as $504 for liability-only coverage to a much higher rate of $3,362 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below details average BMW X5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $887
- Drivers who choose higher $1,000 deductibles will pay $214 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,552
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $416 annually
- Drivers with multiple violations and an at-fault accident could pay around $3,362
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $5,742 a year
Insurance prices for a BMW X5 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,700 a year. View Rates by Age
Where you choose to live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,100 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,404 | -$148 | -9.5% |
Alaska | $1,190 | -$362 | -23.3% |
Arizona | $1,288 | -$264 | -17.0% |
Arkansas | $1,552 | -$0 | 0.0% |
California | $1,770 | $218 | 14.0% |
Colorado | $1,484 | -$68 | -4.4% |
Connecticut | $1,598 | $46 | 3.0% |
Delaware | $1,758 | $206 | 13.3% |
Florida | $1,942 | $390 | 25.1% |
Georgia | $1,432 | -$120 | -7.7% |
Hawaii | $1,116 | -$436 | -28.1% |
Idaho | $1,052 | -$500 | -32.2% |
Illinois | $1,156 | -$396 | -25.5% |
Indiana | $1,170 | -$382 | -24.6% |
Iowa | $1,046 | -$506 | -32.6% |
Kansas | $1,476 | -$76 | -4.9% |
Kentucky | $2,118 | $566 | 36.5% |
Louisiana | $2,298 | $746 | 48.1% |
Maine | $958 | -$594 | -38.3% |
Maryland | $1,280 | -$272 | -17.5% |
Massachusetts | $1,242 | -$310 | -20.0% |
Michigan | $2,698 | $1,146 | 73.8% |
Minnesota | $1,300 | -$252 | -16.2% |
Mississippi | $1,862 | $310 | 20.0% |
Missouri | $1,378 | -$174 | -11.2% |
Montana | $1,668 | $116 | 7.5% |
Nebraska | $1,226 | -$326 | -21.0% |
Nevada | $1,864 | $312 | 20.1% |
New Hampshire | $1,120 | -$432 | -27.8% |
New Jersey | $1,736 | $184 | 11.9% |
New Mexico | $1,376 | -$176 | -11.3% |
New York | $1,636 | $84 | 5.4% |
North Carolina | $894 | -$658 | -42.4% |
North Dakota | $1,272 | -$280 | -18.0% |
Ohio | $1,074 | -$478 | -30.8% |
Oklahoma | $1,594 | $42 | 2.7% |
Oregon | $1,422 | -$130 | -8.4% |
Pennsylvania | $1,480 | -$72 | -4.6% |
Rhode Island | $2,072 | $520 | 33.5% |
South Carolina | $1,406 | -$146 | -9.4% |
South Dakota | $1,310 | -$242 | -15.6% |
Tennessee | $1,360 | -$192 | -12.4% |
Texas | $1,874 | $322 | 20.7% |
Utah | $1,150 | -$402 | -25.9% |
Vermont | $1,064 | -$488 | -31.4% |
Virginia | $928 | -$624 | -40.2% |
Washington | $1,200 | -$352 | -22.7% |
West Virginia | $1,422 | -$130 | -8.4% |
Wisconsin | $1,074 | -$478 | -30.8% |
Wyoming | $1,386 | -$166 | -10.7% |
Choosing high deductibles could save up to $630 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost from 44% to 129% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
BMW X5 3.0I AWD | $1,412 | $118 |
BMW X5 3.5D AWD | $1,482 | $124 |
BMW X5 4.8I AWD | $1,518 | $127 |
BMW X5 M AWD | $1,732 | $144 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 BMW X5 | $344 | $598 | $452 | $1,552 |
2016 BMW X5 | $318 | $506 | $460 | $1,442 |
2013 BMW X5 | $280 | $406 | $474 | $1,318 |
2012 BMW X5 | $258 | $378 | $474 | $1,268 |
2011 BMW X5 | $252 | $342 | $478 | $1,230 |
2010 BMW X5 | $234 | $314 | $474 | $1,180 |
2009 BMW X5 | $220 | $284 | $474 | $1,136 |
2008 BMW X5 | $214 | $256 | $468 | $1,096 |
2006 BMW X5 | $206 | $238 | $452 | $1,054 |
2004 BMW X5 | $182 | $216 | $442 | $998 |
Rates are averaged for all BMW X5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best BMW X5 Insurance
Finding better rates on insurance for a BMW X5 not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a brief recap of the car insurance concepts covered above.
- Drivers considered higher risk who tend to receive serious violations pay on average $1,810 more per year for X5 insurance
- You may be able to save around $190 per year just by shopping early and online
- Increasing policy deductibles can save around $625 each year
- Insureds who purchase higher liability limits will pay about $500 every year to go from 30/60 bodily injury limits to 250/500 limits
Whether you are looking for 2008 or 2015 BMW insurance costs, shopping for quotes will help you find cheap insurance quotes for your BMW X5.
To jump right into finding insurance for everything from 2011 BMW X5 trim levels to 2001 BMW X5 price ranges, enter your ZIP code in our free tool below.
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What are the safety ratings of the BMW X5?
The safety ratings and features of the BMW X5 can affect BMW auto insurance rates. A BMW X5 that is old will have fewer safety features, which can mean higher rates. The BMW X5 has some great features, such as brake assist, night vision, blind-spot monitor, auto-leveling headlights, lane departure warning, lane-keeping assist, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) also gave the BMW X5 a 2019 Top Safety Pick award. Take a look at the ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below shows an example of one of the BMW X5 crash tests.
BMW X5 Compared Against Other Vehicles in the Same Class
The BMW X5 is a midsize luxury SUV. According to the IIHS, the BMW X5’s liability losses are average and better than average in comparison to other midsize luxury SUVs, which is good. It means the BMW X5’s liability rates should be reasonable.
Curious how other midsize luxury SUVs’ rates compare to the BMW X5’s, so you know how much does it cost to insure other SUVs? Take a look at the list below.
Frequently Asked Questions
- How much does it cost to maintain a BMW x5? According to RepairPal, “The annual maintenance cost of a BMW X5 is $1,166. Repair and maintenance costs vary depending on age, mileage, location and shop.”
Remember to use our free tool to shop around for rates, as BMW insurance for a 22-year-old will be different than BMW insurance for a 60-year-old. Enter your ZIP code in our free tool to start shopping for BMW X5 car insurance rates.
References
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,742 |
20 | $3,572 |
30 | $1,620 |
40 | $1,552 |
50 | $1,418 |
60 | $1,390 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,968 |
$250 | $1,776 |
$500 | $1,552 |
$1,000 | $1,338 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,552 |
50/100 | $1,822 |
100/300 | $1,935 |
250/500 | $2,229 |
100 CSL | $1,868 |
300 CSL | $2,116 |
500 CSL | $2,297 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,210 |
20 | $5,688 |
30 | $3,436 |
40 | $3,362 |
50 | $3,208 |
60 | $3,178 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $84 |
Multi-vehicle | $81 |
Homeowner | $23 |
5-yr Accident Free | $115 |
5-yr Claim Free | $101 |
Paid in Full/EFT | $72 |
Advance Quote | $77 |
Online Quote | $112 |
Total Discounts | $665 |
Discounts are estimated and may not be available from every company or in every state.
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