BMW X5 Insurance Rates
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UPDATED: May 27, 2024
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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.
The average auto insurance rates for a BMW X5 are $1,676 annually including full coverage. Comprehensive insurance costs around $406 each year, collision insurance costs $714, and liability is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs $3,624 or more. Teen drivers cost the most to insure at up to $6,040 a year.
Average premium for full coverage: $1,676
Policy rates for type of insurance:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and X5 models.
Price Range Variability
For an average driver, BMW X5 insurance rates range from as cheap as $460 for the bare minimum liability coverage to a high rate of $3,624 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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.
Additional Rate Information
The chart below breaks down average BMW X5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $951
- Raising to $1,000 deductibles will save about $252 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,676
- Choosing low deductibles costs an additional $496 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $3,624
- Policy cost with full coverage for a teen driver can be $6,040
Insurance rates for a BMW X5 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $6,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $2,000 to $2,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $750 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on BMW X5 insurance prices. A middle-age driver might find rates as low as $1,290 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,390 on average in Michigan, New York, and Louisiana.
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% |
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 Cheapest BMW X5 Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a recap of the ideas that were covered in the above illustrations.
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $503 each month if they have full coverage
- Higher risk drivers that have major violations or accidents may pay on average $1,950 more every year to insure a BMW X5
- Increasing comprehensive and collision deductibles could save up to $750 each year
- You may be able to save up to $210 per year just by quoting online in advance
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 | $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.
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