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.
U.S. average insurance rates for a BMW X5 are $1,604 a year for full coverage insurance. Comprehensive costs an estimated $358 a year, collision insurance costs $646, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $3,478. Teenage drivers pay the highest rates at up to $5,904 a year.
Average premium for full coverage: $1,604
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and X5 trim levels.
Price Range from Low to High
For the average 40-year-old driver, BMW X5 insurance prices range from as low as $496 for just the minimum liability insurance to a high of $3,478 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.
The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, 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 Rate Analysis
The chart below illustrates average BMW X5 insurance rates for other coverage scenarios.
- The best discount rate is $911
- Drivers who choose higher $1,000 deductibles will pay approximately $1,376 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,604
- Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,046
- Drivers who are prone to accidents and violations could pay up to $3,478
- The price for full coverage for a 16-year-old driver can cost as much as $5,904 a year
Insurance prices for a BMW X5 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,900 a year. View Rates by Age
The state you live in makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,170 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $670 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
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 Find Cheaper BMW X5 Insurance
Getting lower rates on insurance for a BMW X5 not only requires being a good driver, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a condensed summary of the data touched on in this article.
- Insureds who want an increased level of liability coverage will pay an extra $490 annually to go from a low limit to 250/500 limits
- It is possible to save approximately $200 per year just by quoting early and online
- Increasing physical damage deductibles can save around $675 each year
- Drivers age 16 to 20 are charged the highest prices, as much as $492 a month for full coverage
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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