BMW X5 Insurance Rates
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UPDATED: Jun 2, 2023
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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 insurance prices for a BMW X5 are $1,676 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $406, collision insurance costs $714, and liability costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $3,624 or more. 16-year-old drivers cost the most to insure at up to $6,040 a year.
Average premium for full coverage: $1,676
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all X5 models.
Price Range Variability
Using a 40-year-old driver as an example, BMW X5 insurance rates range from the cheapest price of $460 for basic liability insurance to the much higher price of $3,624 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.
The examples above illustrate why everyone should compare rates using their specific location and their own driving history, 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.
Rate Comparisons
The chart below illustrates average BMW X5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $951
- Drivers who choose higher $1,000 deductibles will pay $252 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,676
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $496 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,624
- Policy cost to insure a teen driver for full coverage can cost $6,040 a year
Insurance rates for a BMW X5 also range considerably based on liability limits and deductibles, your risk profile, and the model of your X5.
Opting for high physical damage deductibles could save up to $750 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $6,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,700 extra every year, depending on your age. BMW X5 insurance for high-risk drivers can cost as much as 45% to 134% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,270 on average in Florida, New York, and Michigan.
| 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 Shop for the Right BMW X5 Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.
The list below is a quick rundown of the ideas that were raised in the charts and tables above.
- Teenagers are expensive to insure, possibly costing $503 each month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,950 more per year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $750 each year
- It is possible to save around $210 per year just by quoting online well ahead of the renewal date
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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