BMW X5 M AWD Insurance Rates

The average insurance rates for a BMW X5 M AWD are $1,964 a year for full coverage insurance. Comprehensive insurance costs approximately $522 a year, collision costs $920, and liability costs $364. Liability-only insurance costs as little as $430 a year, with high-risk driver insurance costing $4,232 or more. Teenage drivers cost the most to insure at $6,846 a year or more.

Annual premium for full coverage: $1,964

Policy rates by individual coverage type:

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

Price Range for Insurance for this BMW X5 Trim Level

These price differences illustrate why it is important for drivers to compare rates using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a BMW X5 M AWD also range considerably based on your risk profile, the model year, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,800 per year on average, or $150 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $6,800 a year. View Rates by Age

Your home state makes a big difference in BMW X5 M AWD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $970 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $2,300 to $3,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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The chart estimates BMW X5 M AWD insurance rates for different risk profiles and scenarios. The best rate after discounts is $1,100. Drivers who use higher $1,000 deductibles will pay around $1,636. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,964. Choosing low $100 deductibles for physical damage coverage can cost as much as $2,598. Drivers with multiple violations and accidents could be charged around $4,232. The cost for full coverage for a teenager is $6,846.

View Chart as Image