BMW X5 Insurance Rates
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UPDATED: Jun 6, 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.
Average auto insurance rates for a BMW X5 are $1,552 annually with full coverage. Comprehensive insurance costs approximately $344, collision insurance costs $598, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs $3,362 or more. Teens receive the highest rates at up to $5,742 a year.
Average premium for full coverage: $1,552
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different X5 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $504 for liability-only coverage to a much higher rate of $3,362 for a high-risk insurance policy.
Price Range by Location
Your location can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.
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 Charts and Tables
The chart below details average BMW X5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $887
- Drivers who choose higher $1,000 deductibles will pay $214 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,552
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $416 every year
- Higher-risk drivers with serious driving violations could pay around $3,362
- The cost with full coverage for a teen driver with full coverage can cost $5,742 a year
Auto insurance rates for a BMW X5 can also vary considerably based on the trim level of your X5, your driving record, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $630 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,100 on average in New York, Michigan, and Florida.
| 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 More Affordable BMW X5 Insurance
Saving money on car insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a summary of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,810 more per year than a low-risk driver
- You may be able to save around $190 per year just by shopping early and online
- Increasing deductibles could save up to $625 each year
- Policyholders who purchase more liability protection will pay approximately $500 every year to go from a minimum limit to higher 250/500 limits
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 | $5,742 |
| 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.
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