BMW X5 Insurance Rates
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UPDATED: Nov 21, 2019
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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 auto insurance rates for a BMW X5 are $1,604 annually for full coverage insurance. Comprehensive insurance costs on average $358 a year, collision insurance costs $646, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $3,478 or more. 16-year-old drivers receive the highest rates at up to $5,904 a year.
Average premium for full coverage: $1,604
Rate estimates by individual coverage type:
Includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and X5 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $496 for a discount liability-only rate to a high of $3,478 for high-risk insurance.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities. The diagram below illustrates how your location can change car insurance rates.
These examples illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on rate 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.
Rates by State, City, and Model
The chart below illustrates average BMW X5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $911
- Drivers who choose higher $1,000 deductibles will pay around $1,376 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,604
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $442 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $3,478
- The cost with full coverage for a teen driver may cost $5,904 a year
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 violations or accidents and high physical damage deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,900 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 $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $670 each year, 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 $398 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in BMW X5 insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,170 on average in Michigan, New York, and Florida.
| 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% |
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 Buy the Cheapest BMW X5 Insurance
Saving money on BMW X5 insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a recap of the material that was illustrated above.
- Drivers who require increased levels of liability coverage will pay around $490 annually to go from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger pay higher rates, costing up to $492 per month if they have full coverage
- High-risk drivers that have major violations or accidents may pay on average $1,870 more each year to buy BMW X5 insurance
- Increasing deductibles could save up to $675 each year
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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