BMW X5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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.

Average insurance rates for a BMW X5 are $1,636 a year for full coverage. Comprehensive costs on average $380 a year, collision costs $668, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,538. Teen drivers receive the highest rates at $5,964 a year or more.

Average premium for full coverage: $1,636

Rate estimates by individual coverage type:

Comprehensive $380
Collision $668
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and X5 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $3,538 for a high risk driver.

Liability Only $486
Full Coverage $1,636
High Risk $3,538

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,227
Small Cities $1,718
Large Cities $2,209

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

The chart below shows estimated BMW X5 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $929
  • Drivers who choose higher $1,000 deductibles will pay around $1,398 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,636
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,098
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,538 or more
  • The cost for full coverage for a teen driver may cost $5,964 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing full coverage BMW X5 insurance rates range from $929 to $5,964

for a BMW X5 can also vary considerably based on your driver profile, the trim level of your X5, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,900 a year. View Rates by Age

Where you live makes a big difference in BMW X5 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Idaho, Maine, and Iowa, or as much as $2,330 on average in Michigan, Louisiana, and New York.

BMW X5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,478 -$158 -9.7%
Alaska $1,254 -$382 -23.3%
Arizona $1,356 -$280 -17.1%
Arkansas $1,636 -$0 0.0%
California $1,864 $228 13.9%
Colorado $1,562 -$74 -4.5%
Connecticut $1,682 $46 2.8%
Delaware $1,852 $216 13.2%
Florida $2,046 $410 25.1%
Georgia $1,510 -$126 -7.7%
Hawaii $1,174 -$462 -28.2%
Idaho $1,104 -$532 -32.5%
Illinois $1,218 -$418 -25.6%
Indiana $1,232 -$404 -24.7%
Iowa $1,104 -$532 -32.5%
Kansas $1,554 -$82 -5.0%
Kentucky $2,232 $596 36.4%
Louisiana $2,422 $786 48.0%
Maine $1,008 -$628 -38.4%
Maryland $1,348 -$288 -17.6%
Massachusetts $1,310 -$326 -19.9%
Michigan $2,840 $1,204 73.6%
Minnesota $1,370 -$266 -16.3%
Mississippi $1,958 $322 19.7%
Missouri $1,452 -$184 -11.2%
Montana $1,758 $122 7.5%
Nebraska $1,288 -$348 -21.3%
Nevada $1,960 $324 19.8%
New Hampshire $1,180 -$456 -27.9%
New Jersey $1,828 $192 11.7%
New Mexico $1,448 -$188 -11.5%
New York $1,724 $88 5.4%
North Carolina $942 -$694 -42.4%
North Dakota $1,340 -$296 -18.1%
Ohio $1,130 -$506 -30.9%
Oklahoma $1,680 $44 2.7%
Oregon $1,498 -$138 -8.4%
Pennsylvania $1,562 -$74 -4.5%
Rhode Island $2,182 $546 33.4%
South Carolina $1,482 -$154 -9.4%
South Dakota $1,380 -$256 -15.6%
Tennessee $1,432 -$204 -12.5%
Texas $1,972 $336 20.5%
Utah $1,210 -$426 -26.0%
Vermont $1,120 -$516 -31.5%
Virginia $980 -$656 -40.1%
Washington $1,264 -$372 -22.7%
West Virginia $1,498 -$138 -8.4%
Wisconsin $1,132 -$504 -30.8%
Wyoming $1,458 -$178 -10.9%

View Chart as Image

BMW X5 insurance rates by U.S. city

Choosing high deductibles could save up to $700 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,478 $123
BMW X5 3.5D AWD $1,556 $130
BMW X5 4.8I AWD $1,596 $133
BMW X5 M AWD $1,834 $153

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 $380 $668 $430 $1,636
2016 BMW X5 $344 $598 $452 $1,552
2013 BMW X5 $296 $466 $460 $1,380
2012 BMW X5 $286 $436 $464 $1,344
2011 BMW X5 $280 $406 $474 $1,318
2010 BMW X5 $258 $378 $474 $1,268
2009 BMW X5 $252 $342 $478 $1,230
2008 BMW X5 $234 $314 $474 $1,180
2006 BMW X5 $214 $256 $468 $1,096
2004 BMW X5 $206 $238 $452 $1,054
2003 BMW X5 $190 $226 $446 $1,020
2002 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

Saving money on BMW X5 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $700 each year
  • Drivers can save as much as $200 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $497 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,900 more each year for insurance

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

  1. https://www.iihs.org/ratings/vehicle/bmw/x5-4-door-suv/2020

Rates by Driver Age

BMW X5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,964
20 $3,760
30 $1,712
40 $1,636
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,098
$250 $1,882
$500 $1,636
$1,000 $1,398

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,636
50/100 $1,920
100/300 $2,028
250/500 $2,307
100 CSL $1,963
300 CSL $2,200
500 CSL $2,372

Full coverage, driver age 40

Rates for High Risk Drivers

BMW X5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,540
20 $5,988
30 $3,626
40 $3,538
50 $3,372
60 $3,342

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 $229

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $89
Multi-vehicle $85
Homeowner $23
5-yr Accident Free $124
5-yr Claim Free $107
Paid in Full/EFT $78
Advance Quote $83
Online Quote $118
Total Discounts $707
Rate after discounts $929

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

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