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: May 27, 2024

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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 $1,692 a year with full coverage. Comprehensive insurance costs around $424, collision insurance costs $720, and liability costs $390. Liability-only coverage costs as little as $452 a year, and high-risk coverage costs $3,648 or more. 16-year-old drivers receive the highest rates at up to $6,050 a year.

Average premium for full coverage: $1,692

Rate estimates for individual coverage type:

Comprehensive $424
Collision $720
Liability $390

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different X5 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $452 for just liability coverage to a much higher rate of $3,648 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,692
High Risk $3,648

Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using 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.

Detailed Rate Analysis

The chart below details average BMW X5 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $960
  • Drivers who choose higher $1,000 deductibles will pay about $260 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,692
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $504 every year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,648
  • The cost that insures a teen driver with full coverage can be $6,050 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing BMW X5 insurance prices range from $960 to $6,050 for full coverage

Car insurance rates for a BMW X5 can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance can cost as much as 45% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $6,000 a year. View Rates by Age

Where you live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or at least $2,290 on average in Florida, Michigan, and New York.

BMW X5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,532 -$160 -9.5%
Alaska $1,298 -$394 -23.3%
Arizona $1,406 -$286 -16.9%
Arkansas $1,692 -$0 0.0%
California $1,930 $238 14.1%
Colorado $1,618 -$74 -4.4%
Connecticut $1,740 $48 2.8%
Delaware $1,918 $226 13.4%
Florida $2,118 $426 25.2%
Georgia $1,564 -$128 -7.6%
Hawaii $1,216 -$476 -28.1%
Idaho $1,146 -$546 -32.3%
Illinois $1,262 -$430 -25.4%
Indiana $1,276 -$416 -24.6%
Iowa $1,142 -$550 -32.5%
Kansas $1,608 -$84 -5.0%
Kentucky $2,310 $618 36.5%
Louisiana $2,508 $816 48.2%
Maine $1,044 -$648 -38.3%
Maryland $1,396 -$296 -17.5%
Massachusetts $1,354 -$338 -20.0%
Michigan $2,942 $1,250 73.9%
Minnesota $1,418 -$274 -16.2%
Mississippi $2,028 $336 19.9%
Missouri $1,502 -$190 -11.2%
Montana $1,818 $126 7.4%
Nebraska $1,336 -$356 -21.0%
Nevada $2,030 $338 20.0%
New Hampshire $1,220 -$472 -27.9%
New Jersey $1,894 $202 11.9%
New Mexico $1,500 -$192 -11.3%
New York $1,782 $90 5.3%
North Carolina $974 -$718 -42.4%
North Dakota $1,388 -$304 -18.0%
Ohio $1,170 -$522 -30.9%
Oklahoma $1,740 $48 2.8%
Oregon $1,550 -$142 -8.4%
Pennsylvania $1,616 -$76 -4.5%
Rhode Island $2,260 $568 33.6%
South Carolina $1,534 -$158 -9.3%
South Dakota $1,428 -$264 -15.6%
Tennessee $1,484 -$208 -12.3%
Texas $2,040 $348 20.6%
Utah $1,254 -$438 -25.9%
Vermont $1,158 -$534 -31.6%
Virginia $1,014 -$678 -40.1%
Washington $1,308 -$384 -22.7%
West Virginia $1,550 -$142 -8.4%
Wisconsin $1,172 -$520 -30.7%
Wyoming $1,510 -$182 -10.8%

View Chart as Image

BMW X5 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $770 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,520 $127
BMW X5 3.5D AWD $1,606 $134
BMW X5 4.8I AWD $1,650 $138
BMW X5 M AWD $1,908 $159

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.

BMW X5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW X5 $444 $750 $372 $1,724
2023 BMW X5 $424 $720 $390 $1,692
2022 BMW X5 $406 $714 $398 $1,676
2021 BMW X5 $394 $698 $416 $1,666
2020 BMW X5 $380 $668 $430 $1,636
2019 BMW X5 $358 $646 $442 $1,604
2018 BMW X5 $344 $598 $452 $1,552
2017 BMW X5 $332 $564 $456 $1,510
2016 BMW X5 $318 $506 $460 $1,442
2015 BMW X5 $296 $466 $460 $1,380
2014 BMW X5 $286 $436 $464 $1,344
2013 BMW X5 $280 $406 $474 $1,318
2012 BMW X5 $258 $378 $474 $1,268
2011 BMW X5 $252 $342 $478 $1,230
2010 BMW X5 $234 $314 $474 $1,180
2009 BMW X5 $220 $284 $474 $1,136
2008 BMW X5 $214 $256 $468 $1,096
2006 BMW X5 $206 $238 $452 $1,054
2004 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 More Affordable BMW X5 Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the coverage data touched on in this article.

  • You may be able to save up to $210 per year just by shopping early and online
  • Increasing deductibles can save approximately $775 each year
  • 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $504 per month if full coverage is purchased
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,960 more every year than a driver with a clean driving record

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 $6,050
20 $3,872
30 $1,782
40 $1,692
50 $1,542
60 $1,510

Full coverage, $500 deductibles

Rates by Deductible

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,196
$250 $1,964
$500 $1,692
$1,000 $1,432

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,692
50/100 $1,986
100/300 $2,084
250/500 $2,337
100 CSL $2,025
300 CSL $2,240
500 CSL $2,396

Full coverage, driver age 40

Rates for High Risk Drivers

BMW X5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,676
20 $6,158
30 $3,746
40 $3,648
50 $3,474
60 $3,444

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 $234

Potential Rate Discounts

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

Discount Savings
Multi-policy $92
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $130
5-yr Claim Free $110
Paid in Full/EFT $82
Advance Quote $86
Online Quote $123
Total Discounts $732
Rate after discounts $960

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

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