BMW X5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 auto insurance rates for a BMW X5 are $1,676 annually for full coverage insurance. Comprehensive costs on average $406 a year, collision costs $714, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $3,624. Teenage drivers receive the highest rates at $6,040 a year or more.
Average premium for full coverage: $1,676
Rate estimates by individual coverage type:
Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and X5 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $460 for liability-only coverage to a high of $3,624 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
These examples illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, 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 Charts and Tables
The chart below illustrates estimated BMW X5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $951
- Raising to $1,000 deductibles will save around $1,424 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,676
- Using low $100 deductibles will cost $2,172
- Drivers who are prone to accidents and violations could pay upwards of $3,624 or more
- The cost with full coverage for a 16-year-old driver may cost $6,040
Car insurance rates for a BMW X5 can also vary considerably based on the trim level of your X5, your risk profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $6,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $750 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on BMW X5 insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,270 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,518 | -$158 | -9.4% |
| Alaska | $1,288 | -$388 | -23.2% |
| Arizona | $1,394 | -$282 | -16.8% |
| Arkansas | $1,676 | -$0 | 0.0% |
| California | $1,912 | $236 | 14.1% |
| Colorado | $1,602 | -$74 | -4.4% |
| Connecticut | $1,726 | $50 | 3.0% |
| Delaware | $1,898 | $222 | 13.2% |
| Florida | $2,100 | $424 | 25.3% |
| Georgia | $1,550 | -$126 | -7.5% |
| Hawaii | $1,206 | -$470 | -28.0% |
| Idaho | $1,136 | -$540 | -32.2% |
| Illinois | $1,252 | -$424 | -25.3% |
| Indiana | $1,264 | -$412 | -24.6% |
| Iowa | $1,132 | -$544 | -32.5% |
| Kansas | $1,594 | -$82 | -4.9% |
| Kentucky | $2,292 | $616 | 36.8% |
| Louisiana | $2,484 | $808 | 48.2% |
| Maine | $1,038 | -$638 | -38.1% |
| Maryland | $1,384 | -$292 | -17.4% |
| Massachusetts | $1,344 | -$332 | -19.8% |
| Michigan | $2,916 | $1,240 | 74.0% |
| Minnesota | $1,404 | -$272 | -16.2% |
| Mississippi | $2,012 | $336 | 20.0% |
| Missouri | $1,490 | -$186 | -11.1% |
| Montana | $1,804 | $128 | 7.6% |
| Nebraska | $1,324 | -$352 | -21.0% |
| Nevada | $2,014 | $338 | 20.2% |
| New Hampshire | $1,212 | -$464 | -27.7% |
| New Jersey | $1,876 | $200 | 11.9% |
| New Mexico | $1,488 | -$188 | -11.2% |
| New York | $1,768 | $92 | 5.5% |
| North Carolina | $968 | -$708 | -42.2% |
| North Dakota | $1,376 | -$300 | -17.9% |
| Ohio | $1,160 | -$516 | -30.8% |
| Oklahoma | $1,726 | $50 | 3.0% |
| Oregon | $1,538 | -$138 | -8.2% |
| Pennsylvania | $1,602 | -$74 | -4.4% |
| Rhode Island | $2,240 | $564 | 33.7% |
| South Carolina | $1,522 | -$154 | -9.2% |
| South Dakota | $1,418 | -$258 | -15.4% |
| Tennessee | $1,470 | -$206 | -12.3% |
| Texas | $2,024 | $348 | 20.8% |
| Utah | $1,244 | -$432 | -25.8% |
| Vermont | $1,148 | -$528 | -31.5% |
| Virginia | $1,004 | -$672 | -40.1% |
| Washington | $1,298 | -$378 | -22.6% |
| West Virginia | $1,540 | -$136 | -8.1% |
| Wisconsin | $1,162 | -$514 | -30.7% |
| Wyoming | $1,494 | -$182 | -10.9% |
With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X5 3.0I AWD | $1,508 | $126 |
| BMW X5 3.5D AWD | $1,594 | $133 |
| BMW X5 4.8I AWD | $1,636 | $136 |
| BMW X5 M AWD | $1,890 | $158 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 BMW X5 | $424 | $720 | $390 | $1,692 |
| 2023 BMW X5 | $406 | $714 | $398 | $1,676 |
| 2022 BMW X5 | $394 | $698 | $416 | $1,666 |
| 2021 BMW X5 | $380 | $668 | $430 | $1,636 |
| 2020 BMW X5 | $358 | $646 | $442 | $1,604 |
| 2019 BMW X5 | $344 | $598 | $452 | $1,552 |
| 2018 BMW X5 | $332 | $564 | $456 | $1,510 |
| 2017 BMW X5 | $318 | $506 | $460 | $1,442 |
| 2016 BMW X5 | $296 | $466 | $460 | $1,380 |
| 2015 BMW X5 | $286 | $436 | $464 | $1,344 |
| 2014 BMW X5 | $280 | $406 | $474 | $1,318 |
| 2013 BMW X5 | $258 | $378 | $474 | $1,268 |
| 2012 BMW X5 | $252 | $342 | $478 | $1,230 |
| 2011 BMW X5 | $234 | $314 | $474 | $1,180 |
| 2010 BMW X5 | $220 | $284 | $474 | $1,136 |
| 2009 BMW X5 | $214 | $256 | $468 | $1,096 |
| 2008 BMW X5 | $210 | $250 | $460 | $1,078 |
| 2006 BMW X5 | $190 | $226 | $446 | $1,020 |
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 Buy the Best Cheap BMW X5 Insurance
Saving money on insurance for a BMW X5 consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a quick review of the coverage data covered in the above illustrations.
- It is possible to save as much as $210 per year simply by quoting early and online
- Increasing deductibles could save up to $750 each year
- Drivers age 20 and younger are expensive to insure, costing up to $503 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,950 more each year to buy BMW X5 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $6,040 |
| 20 | $3,856 |
| 30 | $1,768 |
| 40 | $1,676 |
| 50 | $1,528 |
| 60 | $1,498 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,172 |
| $250 | $1,942 |
| $500 | $1,676 |
| $1,000 | $1,424 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,676 |
| 50/100 | $1,970 |
| 100/300 | $2,069 |
| 250/500 | $2,328 |
| 100 CSL | $2,009 |
| 300 CSL | $2,228 |
| 500 CSL | $2,388 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,664 |
| 20 | $6,130 |
| 30 | $3,724 |
| 40 | $3,624 |
| 50 | $3,456 |
| 60 | $3,426 |
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 | $91 |
| Multi-vehicle | $86 |
| Homeowner | $23 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $81 |
| Advance Quote | $85 |
| Online Quote | $121 |
| Total Discounts | $725 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
