BMW X5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,552 annually including full coverage. Comprehensive insurance costs on average $344, collision insurance costs $598, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $3,362 or more. Teen drivers cost the most to insure at up to $5,742 a year.
Average premium for full coverage: $1,552
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different X5 trim levels.
Price Range Variability
Using a middle-aged driver as an example, BMW X5 insurance rates range from as cheap as $504 for just liability insurance to a much higher rate of $3,362 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.
More Rate Details
The chart below breaks down average BMW X5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $887
- Choosing higher $1,000 deductibles can save around $214 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,552
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $416 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,362
- Policy cost with full coverage for a 16-year-old driver with full coverage may cost $5,742 each year
Insurance rates for a BMW X5 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,700 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 a minimum $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $630 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for BMW X5 insurance prices. A good driver about age 40 could pay as low as $1,190 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,220 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,404 | -$148 | -9.5% |
Alaska | $1,190 | -$362 | -23.3% |
Arizona | $1,288 | -$264 | -17.0% |
Arkansas | $1,552 | -$0 | 0.0% |
California | $1,770 | $218 | 14.0% |
Colorado | $1,484 | -$68 | -4.4% |
Connecticut | $1,598 | $46 | 3.0% |
Delaware | $1,758 | $206 | 13.3% |
Florida | $1,942 | $390 | 25.1% |
Georgia | $1,432 | -$120 | -7.7% |
Hawaii | $1,116 | -$436 | -28.1% |
Idaho | $1,052 | -$500 | -32.2% |
Illinois | $1,156 | -$396 | -25.5% |
Indiana | $1,170 | -$382 | -24.6% |
Iowa | $1,046 | -$506 | -32.6% |
Kansas | $1,476 | -$76 | -4.9% |
Kentucky | $2,118 | $566 | 36.5% |
Louisiana | $2,298 | $746 | 48.1% |
Maine | $958 | -$594 | -38.3% |
Maryland | $1,280 | -$272 | -17.5% |
Massachusetts | $1,242 | -$310 | -20.0% |
Michigan | $2,698 | $1,146 | 73.8% |
Minnesota | $1,300 | -$252 | -16.2% |
Mississippi | $1,862 | $310 | 20.0% |
Missouri | $1,378 | -$174 | -11.2% |
Montana | $1,668 | $116 | 7.5% |
Nebraska | $1,226 | -$326 | -21.0% |
Nevada | $1,864 | $312 | 20.1% |
New Hampshire | $1,120 | -$432 | -27.8% |
New Jersey | $1,736 | $184 | 11.9% |
New Mexico | $1,376 | -$176 | -11.3% |
New York | $1,636 | $84 | 5.4% |
North Carolina | $894 | -$658 | -42.4% |
North Dakota | $1,272 | -$280 | -18.0% |
Ohio | $1,074 | -$478 | -30.8% |
Oklahoma | $1,594 | $42 | 2.7% |
Oregon | $1,422 | -$130 | -8.4% |
Pennsylvania | $1,480 | -$72 | -4.6% |
Rhode Island | $2,072 | $520 | 33.5% |
South Carolina | $1,406 | -$146 | -9.4% |
South Dakota | $1,310 | -$242 | -15.6% |
Tennessee | $1,360 | -$192 | -12.4% |
Texas | $1,874 | $322 | 20.7% |
Utah | $1,150 | -$402 | -25.9% |
Vermont | $1,064 | -$488 | -31.4% |
Virginia | $928 | -$624 | -40.2% |
Washington | $1,200 | -$352 | -22.7% |
West Virginia | $1,422 | -$130 | -8.4% |
Wisconsin | $1,074 | -$478 | -30.8% |
Wyoming | $1,386 | -$166 | -10.7% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
BMW X5 3.0I AWD | $1,412 | $118 |
BMW X5 3.5D AWD | $1,482 | $124 |
BMW X5 4.8I AWD | $1,518 | $127 |
BMW X5 M AWD | $1,732 | $144 |
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 | $344 | $598 | $452 | $1,552 |
2016 BMW X5 | $318 | $506 | $460 | $1,442 |
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 Buy the Best BMW X5 Insurance
Finding cheaper rates on insurance for a BMW X5 takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief recap of the data touched on in the above illustrations.
- Insureds who require additional liability coverage will pay about $500 per year to raise limits from a 30/60 limit to higher 250/500 limits
- You may be able to save as much as $190 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $625 each year
- 16 to 18-year-old drivers pay higher rates, with premiums being up to $479 each month if they have 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,742 |
20 | $3,572 |
30 | $1,620 |
40 | $1,552 |
50 | $1,418 |
60 | $1,390 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,968 |
$250 | $1,776 |
$500 | $1,552 |
$1,000 | $1,338 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,552 |
50/100 | $1,822 |
100/300 | $1,935 |
250/500 | $2,229 |
100 CSL | $1,868 |
300 CSL | $2,116 |
500 CSL | $2,297 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $8,210 |
20 | $5,688 |
30 | $3,436 |
40 | $3,362 |
50 | $3,208 |
60 | $3,178 |
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 | $84 |
Multi-vehicle | $81 |
Homeowner | $23 |
5-yr Accident Free | $115 |
5-yr Claim Free | $101 |
Paid in Full/EFT | $72 |
Advance Quote | $77 |
Online Quote | $112 |
Total Discounts | $665 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area