BMW X5 3.5D AWD Insurance Rates

Average insurance rates for a BMW X5 3.5D AWD are $1,644 a year for full coverage insurance. Comprehensive insurance costs on average $424, collision insurance costs $698, and liability coverage costs $364. Just liability insurance costs as little as $430 a year, and coverage for high-risk drivers costs $3,528 or more. Teen drivers receive the highest rates at up to $5,836 a year.

Annual premium for full coverage: $1,644

Rate estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this BMW X5 Trim Level

These differences illustrate why everyone should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Insurance prices for a BMW X5 3.5D AWD can also vary considerably based on your driver profile, the model year, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

Where you live makes a big difference in BMW X5 3.5D AWD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $750 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 additional per year, depending on your age. BMW X5 3.5D AWD insurance for high-risk drivers can cost around 45% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

View Chart as Image

The chart estimates BMW X5 3.5D AWD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $939. Drivers who choose higher $1,000 deductibles will pay around $1,388. The average rate for a 40-year-old male driver using $500 deductibles is $1,644. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $2,136. High risk drivers could be charged as much as $3,528. The rate for full coverage for a teen driver is $5,836.

View Chart as Image