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.
Average insurance prices for a BMW X5 are $1,604 every 12 months for full coverage insurance. Comprehensive costs approximately $358 each year, collision costs $646, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $3,478. Teens receive the highest rates at $5,904 a year or more.
Average premium for full coverage: $1,604
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and X5 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $496 for a discount liability-only rate to a high rate of $3,478 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why all drivers should compare rates using their specific location and their own driving history, instead of using averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates estimated BMW X5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $911
- Drivers who choose higher $1,000 deductibles will pay $228 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,604
- Selecting low deductibles for comprehensive and collision insurance increases the price to $2,046
- Higher-risk drivers with serious driving violations could pay around $3,478 or more
- The cost to insure a teen driver can cost $5,904 a year
Auto insurance rates for a BMW X5 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your X5.
Choosing higher comprehensive and collision insurance deductibles could save up to $670 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,170 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,452 | -$152 | -9.5% |
| Alaska | $1,230 | -$374 | -23.3% |
| Arizona | $1,334 | -$270 | -16.8% |
| Arkansas | $1,604 | -$0 | 0.0% |
| California | $1,828 | $224 | 14.0% |
| Colorado | $1,532 | -$72 | -4.5% |
| Connecticut | $1,648 | $44 | 2.7% |
| Delaware | $1,816 | $212 | 13.2% |
| Florida | $2,006 | $402 | 25.1% |
| Georgia | $1,482 | -$122 | -7.6% |
| Hawaii | $1,154 | -$450 | -28.1% |
| Idaho | $1,086 | -$518 | -32.3% |
| Illinois | $1,196 | -$408 | -25.4% |
| Indiana | $1,208 | -$396 | -24.7% |
| Iowa | $1,082 | -$522 | -32.5% |
| Kansas | $1,524 | -$80 | -5.0% |
| Kentucky | $2,190 | $586 | 36.5% |
| Louisiana | $2,376 | $772 | 48.1% |
| Maine | $990 | -$614 | -38.3% |
| Maryland | $1,324 | -$280 | -17.5% |
| Massachusetts | $1,284 | -$320 | -20.0% |
| Michigan | $2,786 | $1,182 | 73.7% |
| Minnesota | $1,342 | -$262 | -16.3% |
| Mississippi | $1,922 | $318 | 19.8% |
| Missouri | $1,422 | -$182 | -11.3% |
| Montana | $1,726 | $122 | 7.6% |
| Nebraska | $1,264 | -$340 | -21.2% |
| Nevada | $1,924 | $320 | 20.0% |
| New Hampshire | $1,154 | -$450 | -28.1% |
| New Jersey | $1,792 | $188 | 11.7% |
| New Mexico | $1,422 | -$182 | -11.3% |
| New York | $1,692 | $88 | 5.5% |
| North Carolina | $924 | -$680 | -42.4% |
| North Dakota | $1,314 | -$290 | -18.1% |
| Ohio | $1,110 | -$494 | -30.8% |
| Oklahoma | $1,648 | $44 | 2.7% |
| Oregon | $1,470 | -$134 | -8.4% |
| Pennsylvania | $1,532 | -$72 | -4.5% |
| Rhode Island | $2,140 | $536 | 33.4% |
| South Carolina | $1,452 | -$152 | -9.5% |
| South Dakota | $1,354 | -$250 | -15.6% |
| Tennessee | $1,406 | -$198 | -12.3% |
| Texas | $1,934 | $330 | 20.6% |
| Utah | $1,190 | -$414 | -25.8% |
| Vermont | $1,098 | -$506 | -31.5% |
| Virginia | $962 | -$642 | -40.0% |
| Washington | $1,240 | -$364 | -22.7% |
| West Virginia | $1,470 | -$134 | -8.4% |
| Wisconsin | $1,110 | -$494 | -30.8% |
| Wyoming | $1,430 | -$174 | -10.8% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X5 3.0I AWD | $1,452 | $121 |
| BMW X5 3.5D AWD | $1,528 | $127 |
| BMW X5 4.8I AWD | $1,566 | $131 |
| BMW X5 M AWD | $1,794 | $150 |
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 | $358 | $646 | $442 | $1,604 |
| 2016 BMW X5 | $332 | $564 | $456 | $1,510 |
| 2013 BMW X5 | $286 | $436 | $464 | $1,344 |
| 2012 BMW X5 | $280 | $406 | $474 | $1,318 |
| 2011 BMW X5 | $258 | $378 | $474 | $1,268 |
| 2010 BMW X5 | $252 | $342 | $478 | $1,230 |
| 2009 BMW X5 | $234 | $314 | $474 | $1,180 |
| 2008 BMW X5 | $220 | $284 | $474 | $1,136 |
| 2006 BMW X5 | $210 | $250 | $460 | $1,078 |
| 2004 BMW X5 | $190 | $226 | $446 | $1,020 |
| 2003 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 Shop for Cheaper BMW X5 Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a condensed summary of the ideas that were covered above.
- Drivers under the age of 20 have the highest car insurance rates, costing up to $492 per month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,870 more per year to insure a BMW X5
- Increasing deductibles could save as much as $675 each year
- It is possible to save around $200 per year simply by quoting online in advance
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 | $5,904 |
| 20 | $3,698 |
| 30 | $1,680 |
| 40 | $1,604 |
| 50 | $1,464 |
| 60 | $1,436 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,046 |
| $250 | $1,842 |
| $500 | $1,604 |
| $1,000 | $1,376 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,604 |
| 50/100 | $1,882 |
| 100/300 | $1,993 |
| 250/500 | $2,280 |
| 100 CSL | $1,927 |
| 300 CSL | $2,170 |
| 500 CSL | $2,347 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,450 |
| 20 | $5,894 |
| 30 | $3,560 |
| 40 | $3,478 |
| 50 | $3,318 |
| 60 | $3,288 |
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 | $87 |
| Multi-vehicle | $84 |
| Homeowner | $23 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $76 |
| Advance Quote | $81 |
| Online Quote | $116 |
| Total Discounts | $693 |
Discounts are estimated and may not be available from every company or in every state.
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