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2011 BMW X5 M Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2011 BMW X5 M are $1,478 a year for full coverage insurance. Comprehensive insurance costs around $330 a year, collision costs $526, and liability coverage costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing $3,192 or more. Teenage drivers receive the highest rates at $5,500 a year or more.

Annual premium for full coverage: $1,478

Rate estimates for 2011 BMW X5 M Insurance

Comprehensive $330
Collision $526
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 BMW X5 M models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $514 for just liability insurance to a high of $3,192 for high-risk insurance.

Liability Only $514
Full Coverage $1,478
High Risk $3,192

View Chart as Image

2011 BMW X5 M insurance rates compared
Column chart showing 2011 BMW X5 M insurance prices range from $854 to $5,500 for full coverage

These differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2011 BMW X5 M Insurance

Searching Companies

Looking for better car insurance rates for your BMW X5 M? Searching for affordable car insurance online can seem to be intimidating for consumers new to online price comaprisons. Because there are so many online companies, how can consumers have a chance to compare every company to locate the lowest price available?

Smart consumers take time to shop coverage around before your policy renews because insurance rates go up and down regularly. If you had the best price on X5 M insurance last year a different company probably has better rates today. There is a lot of wrong information about car insurance online but we’re going to give you the best ways to quit paying high car insurance rates.

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Locating cheaper insurance coverage is easy if you know what you’re doing. But drivers do need to understand how big insurance companies compete online and take advantage of how the system works.

Vehicle Insurance Comparison

To find the best auto insurance prices, there are several ways to compare quotes from different insurance companies. The recommended way to find the lowest 2011 BMW X5 M rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The single most time-saving way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry for each company. Taking the time to complete one form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
  2. Another way to compare rate quotes requires a visit to each company website and request a quote. For example, let’s say you want to compare rates from Progressive, Safeco and GMAC. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest method of comparing rate quotes is to spend your day driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the personal advice of a local agent. It is possible to comparison shop your insurance online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever method you choose, compare the exact same coverage limits and deductibles for each price quote. If you use different limits and deductibles on each one it will be very difficult to determine the best price for your BMW X5 M. Slightly different coverage limits may result in a large different in cost. Keep in mind that comparing more company’s prices helps you find lower pricing.

Lots of discounts mean lots of savings

Auto insurance companies do not list every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find insurance coverage savings.

  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates on insurance coverage on X5 M insurance.
  • Driver Safety – Taking a defensive driving course can save you 5% or more depending on where you live.
  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies with the best insurance coverage discounts, click this link.

Situations that might require an agent

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions might point out whether you would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if hit by an uninsured driver?
  • Can my teen driver be rated on a liability-only vehicle?
  • How high should deductibles be on a 2011 BMW X5 M?
  • When can I cancel my policy?
  • Am I missing any policy discounts?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverage myths debunked

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies say the same thing about savings if you change your policy. How does each company say the same thing?

Different companies have a certain “appetite” for the driver they prefer to insure. For example, a desirable insured could be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A driver who fits that profile gets the lowest rates and therefore will save a lot of money.

Potential insureds who don’t measure up to these standards will have to pay a more expensive rate and ends up with business going elsewhere. The ads state “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently state the savings. Because of the profiling, drivers must get quotes from several different companies. You cannot predict which company will have the lowest BMW X5 M insurance rates.

Insurance coverage considerations

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as hospital visits, doctor visits, ambulance fees, chiropractic care and funeral costs. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision coverage will pay to fix damage to your X5 M caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, theft, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as court costs, bail bonds and legal defense fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Power to the consumer

Affordable 2011 BMW X5 M insurance can be bought from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at the best price.

We just presented a lot of tips how to shop for insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

To read more, take a look at the following helpful articles:

Rates by U.S. City

2011 BMW X5 M Insurance Rates by City
City Premium
New York City, NY $2,337
Los Angeles, CA $2,529
Philadelphia, PA $1,974
Jacksonville, FL $2,146
Phoenix, AZ $1,719
Chicago, IL $1,984
Houston, TX $2,319
Seattle, WA $1,439
Columbus, OH $1,237
Indianapolis, IN $1,257

Rates by Driver Age

2011 BMW X5 M Insurance Rates by Driver Age
Driver Age Premium
16 $5,500
20 $3,384
30 $1,538
40 $1,478
50 $1,350
60 $1,322

Full coverage, $500 deductibles

Rates by Deductible

2011 BMW X5 M Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,854
$250 $1,680
$500 $1,478
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 M Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,478
50/100 $1,571
100/300 $1,687
250/500 $1,988
100 CSL $1,617
300 CSL $1,872
500 CSL $2,058

Full coverage, driver age 40

Rates for High Risk Drivers

2011 BMW X5 M Insurance Rates for High Risk Drivers
Age Premium
16 $7,848
20 $5,386
30 $3,260
40 $3,192
50 $3,044
60 $3,016

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.

SR-22 Surcharge $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $96
Paid in Full/EFT $66
Advance Quote $72
Online Quote $106
Total Discounts $624
Rate after discounts $854

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2011 BMW X5 M Insurance Rates by State
State Premium
Alabama $1,338
Alaska $1,136
Arizona $1,228
Arkansas $1,478
California $1,686
Colorado $1,414
Connecticut $1,522
Delaware $1,676
Florida $1,850
Georgia $1,366
Hawaii $1,064
Idaho $1,000
Illinois $1,102
Indiana $1,112
Iowa $1,000
Kansas $1,406
Kentucky $2,018
Louisiana $2,190
Maine $912
Maryland $1,220
Massachusetts $1,184
Michigan $2,570
Minnesota $1,236
Mississippi $1,772
Missouri $1,314
Montana $1,588
Nebraska $1,166
Nevada $1,774
New Hampshire $1,066
New Jersey $1,652
New Mexico $1,310
New York $1,558
North Carolina $854
North Dakota $1,210
Ohio $1,022
Oklahoma $1,518
Oregon $1,354
Pennsylvania $1,410
Rhode Island $1,974
South Carolina $1,340
South Dakota $1,248
Tennessee $1,294
Texas $1,784
Utah $1,096
Vermont $1,014
Virginia $886
Washington $1,142
West Virginia $1,354
Wisconsin $1,024
Wyoming $1,318

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