BMW X5 3.0I AWD Insurance Rates
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U.S. average insurance rates for a BMW X5 3.0I AWD are $1,552 a year with full coverage. Comprehensive costs on average $396, collision costs $634, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $3,328. Teenage drivers pay the highest rates at $5,546 a year or more.
Annual premium for full coverage: $1,552
Price estimates by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this BMW X5 Trim Level
For a driver in their 40's, BMW X5 3.0I AWD insurance prices go from as low as $430 for just the minimum liability insurance to a much higher rate of $3,328 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how location helps determine car insurance rates.
These price ranges demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on 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 BMW X5 3.0I AWD Insurance
Auto insurance rates for a BMW X5 3.0I AWD are also quite variable based on your driving record, the actual cash value of your X5, and policy deductibles and limits.
An older driver with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age
The state you live in has a huge impact on BMW X5 3.0I AWD insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
Using high physical damage deductibles could cut rates by as much as $690 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
Since rates can be so different, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different from one company to the next.
The chart above shows BMW X5 3.0I AWD insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $891. Drivers who use higher $1,000 deductibles will pay around $1,320. The average rate for a 40-year-old male driver using $500 deductibles is $1,552. Using more expensive $100 deductibles for comp and collision coverage could cost up to $2,004. Drivers with multiple violations and accidents could be charged at least $3,328. The price for full coverage insurance for a teen driver can be as high as $5,546.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$116|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$74|
Discounts are estimated and may not be available from every company or in every state.