BMW X5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Nov 21, 2019

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BMW X5 insurance
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.

U.S. average insurance rates for a BMW X5 are $1,604 a year for full coverage insurance. Comprehensive costs an estimated $358 a year, collision insurance costs $646, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $3,478. Teenage drivers pay the highest rates at up to $5,904 a year.

Average premium for full coverage: $1,604

Price estimates broken down by individual coverage:

Comprehensive $358
Collision $646
Liability $442

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and X5 trim levels.

Price Range from Low to High

For the average 40-year-old driver, BMW X5 insurance prices range from as low as $496 for just the minimum liability insurance to a high of $3,478 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,604
High Risk $3,478

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $1,203
Small Cities $1,684
Large Cities $2,165

The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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.

Additional Rate Analysis

The chart below illustrates average BMW X5 insurance rates for other coverage scenarios.

  • The best discount rate is $911
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,376 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,604
  • Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,046
  • Drivers who are prone to accidents and violations could pay up to $3,478
  • The price for full coverage for a 16-year-old driver can cost as much as $5,904 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing BMW X5 insurance rates range from $911 to $5,904 for full coverage

Insurance prices for a BMW X5 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,900 a year. View Rates by Age

The state you live in 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 be forced to pay as much as $2,170 on average in Florida, New York, and Michigan.

BMW X5 Insurance Rates by State
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%

View Chart as Image

BMW X5 insurance rates by U.S. city

Using high physical damage deductibles could save up to $670 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

BMW X5 Insurance Rates by Model and Trim Level
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.

BMW X5 Insurance Rates by Model Year
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 Find Cheaper BMW X5 Insurance

Getting lower rates on insurance for a BMW X5 not only requires being a good driver, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a condensed summary of the data touched on in this article.

  • Insureds who want an increased level of liability coverage will pay an extra $490 annually to go from a low limit to 250/500 limits
  • It is possible to save approximately $200 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $675 each year
  • Drivers age 16 to 20 are charged the highest prices, as much as $492 a month for full coverage

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.



Rates by Driver Age

BMW X5 Insurance 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

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,046
$250 $1,842
$500 $1,604
$1,000 $1,376

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
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

BMW X5 Insurance 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.

SR-22 Surcharge $226

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
Rate after discounts $911

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

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