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.
Estimated insurance rates for a BMW X5 are $1,676 a year for full coverage. Comprehensive insurance costs around $406, collision insurance costs $714, and liability coverage is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs $3,624 or more. Teenage drivers pay the most at up to $6,040 a year.
Average premium for full coverage: $1,676
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different X5 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a BMW X5 range from as low as $460 for just the minimum liability insurance to a much higher rate of $3,624 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using 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 shows average BMW X5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $951
- Raising to $1,000 deductibles will save about $252 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,676
- Using more expensive low deductibles will cost an extra $496 each year
- Unlucky drivers who are prone to accidents and violations could pay at least $3,624
- An auto insurance policy for full coverage for a teenage driver with full coverage can be $6,040
Insurance prices for a BMW X5 also have a wide range based on your driving characteristics, the trim level of your X5, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $6,000 a year. View Rates by Age
Where you choose to live also has a big influence on BMW X5 insurance rates. A middle-age driver might find prices as low as $1,110 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,390 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $750 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $2,000 to $2,700 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 134% 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 | $1,508 | $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 Find Affordable BMW X5 Insurance
Finding better rates on auto insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below you'll find a brief review of the coverage data touched on in this article.
- Drivers can save up to $210 per year just by shopping early and online
- Increasing policy deductibles can save around $750 each year
- Youthful drivers are charged the highest prices, as much as $503 per month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,950 more every year than a low-risk driver
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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