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 prices for a BMW X5 are $1,666 every 12 months for full coverage. Comprehensive costs approximately $394, collision costs $698, and liability costs $416. A policy with only liability insurance costs as little as $474 a year, with a high-risk policy costing around $3,600. Teen drivers pay the most at $6,036 a year or more.
Average premium for full coverage: $1,666
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all X5 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a BMW X5 go from the cheapest price of $474 for minimum levels of liability insurance to the much higher price of $3,600 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why everyone should compare rates using their specific location and their own driving history, 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.
Additional Rate Details
The chart below shows estimated BMW X5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $944
- Drivers who choose higher $1,000 deductibles will pay $250 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,666
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $2,144
- Drivers with multiple violations and an at-fault accident could pay around $3,600 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost $6,036 a year
Car insurance prices for a BMW X5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your X5.
Choosing high deductibles could save up to $730 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $6,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,700 extra annually, depending on your age. BMW X5 insurance for high-risk drivers can cost from 45% to 134% more than average. View High Risk Driver Rates
Where you choose to live 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 Iowa, Maine, and Idaho, or as much as $2,370 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,506 | -$160 | -9.6% |
| Alaska | $1,278 | -$388 | -23.3% |
| Arizona | $1,382 | -$284 | -17.0% |
| Arkansas | $1,666 | -$0 | 0.0% |
| California | $1,898 | $232 | 13.9% |
| Colorado | $1,592 | -$74 | -4.4% |
| Connecticut | $1,712 | $46 | 2.8% |
| Delaware | $1,884 | $218 | 13.1% |
| Florida | $2,084 | $418 | 25.1% |
| Georgia | $1,538 | -$128 | -7.7% |
| Hawaii | $1,194 | -$472 | -28.3% |
| Idaho | $1,126 | -$540 | -32.4% |
| Illinois | $1,240 | -$426 | -25.6% |
| Indiana | $1,254 | -$412 | -24.7% |
| Iowa | $1,126 | -$540 | -32.4% |
| Kansas | $1,584 | -$82 | -4.9% |
| Kentucky | $2,272 | $606 | 36.4% |
| Louisiana | $2,464 | $798 | 47.9% |
| Maine | $1,026 | -$640 | -38.4% |
| Maryland | $1,374 | -$292 | -17.5% |
| Massachusetts | $1,332 | -$334 | -20.0% |
| Michigan | $2,892 | $1,226 | 73.6% |
| Minnesota | $1,394 | -$272 | -16.3% |
| Mississippi | $1,994 | $328 | 19.7% |
| Missouri | $1,478 | -$188 | -11.3% |
| Montana | $1,790 | $124 | 7.4% |
| Nebraska | $1,314 | -$352 | -21.1% |
| Nevada | $1,996 | $330 | 19.8% |
| New Hampshire | $1,200 | -$466 | -28.0% |
| New Jersey | $1,862 | $196 | 11.8% |
| New Mexico | $1,474 | -$192 | -11.5% |
| New York | $1,754 | $88 | 5.3% |
| North Carolina | $960 | -$706 | -42.4% |
| North Dakota | $1,362 | -$304 | -18.2% |
| Ohio | $1,152 | -$514 | -30.9% |
| Oklahoma | $1,710 | $44 | 2.6% |
| Oregon | $1,526 | -$140 | -8.4% |
| Pennsylvania | $1,588 | -$78 | -4.7% |
| Rhode Island | $2,220 | $554 | 33.3% |
| South Carolina | $1,508 | -$158 | -9.5% |
| South Dakota | $1,406 | -$260 | -15.6% |
| Tennessee | $1,458 | -$208 | -12.5% |
| Texas | $2,008 | $342 | 20.5% |
| Utah | $1,232 | -$434 | -26.1% |
| Vermont | $1,138 | -$528 | -31.7% |
| Virginia | $998 | -$668 | -40.1% |
| Washington | $1,288 | -$378 | -22.7% |
| West Virginia | $1,526 | -$140 | -8.4% |
| Wisconsin | $1,152 | -$514 | -30.9% |
| Wyoming | $1,484 | -$182 | -10.9% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X5 3.0I AWD | $1,500 | $125 |
| BMW X5 3.5D AWD | $1,582 | $132 |
| BMW X5 4.8I AWD | $1,624 | $135 |
| BMW X5 M AWD | $1,870 | $156 |
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 | $406 | $714 | $398 | $1,676 |
| 2023 BMW X5 | $394 | $698 | $416 | $1,666 |
| 2022 BMW X5 | $380 | $668 | $430 | $1,636 |
| 2021 BMW X5 | $358 | $646 | $442 | $1,604 |
| 2020 BMW X5 | $344 | $598 | $452 | $1,552 |
| 2019 BMW X5 | $332 | $564 | $456 | $1,510 |
| 2018 BMW X5 | $318 | $506 | $460 | $1,442 |
| 2017 BMW X5 | $296 | $466 | $460 | $1,380 |
| 2016 BMW X5 | $286 | $436 | $464 | $1,344 |
| 2015 BMW X5 | $280 | $406 | $474 | $1,318 |
| 2014 BMW X5 | $258 | $378 | $474 | $1,268 |
| 2013 BMW X5 | $252 | $342 | $478 | $1,230 |
| 2012 BMW X5 | $234 | $314 | $474 | $1,180 |
| 2011 BMW X5 | $220 | $284 | $474 | $1,136 |
| 2010 BMW X5 | $214 | $256 | $468 | $1,096 |
| 2009 BMW X5 | $210 | $250 | $460 | $1,078 |
| 2008 BMW X5 | $206 | $238 | $452 | $1,054 |
| 2006 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 Shop for More Affordable BMW X5 Insurance
Finding better rates on insurance for a BMW X5 not only requires avoiding accidents and claims, but also maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a summary of the primary concepts that were raised in the charts and tables above.
- Drivers can save around $210 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,930 more per year to insure a BMW X5
- Increasing policy deductibles could save as much as $725 each year
- Drivers under the age of 20 pay the highest auto insurance prices, as much as $503 per month if the policy includes 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 | $6,036 |
| 20 | $3,828 |
| 30 | $1,748 |
| 40 | $1,666 |
| 50 | $1,516 |
| 60 | $1,488 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,144 |
| $250 | $1,922 |
| $500 | $1,666 |
| $1,000 | $1,416 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,666 |
| 50/100 | $1,953 |
| 100/300 | $2,057 |
| 250/500 | $2,328 |
| 100 CSL | $1,995 |
| 300 CSL | $2,224 |
| 500 CSL | $2,390 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,650 |
| 20 | $6,094 |
| 30 | $3,694 |
| 40 | $3,600 |
| 50 | $3,432 |
| 60 | $3,402 |
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 | $90 |
| Multi-vehicle | $86 |
| Homeowner | $23 |
| 5-yr Accident Free | $128 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $80 |
| Advance Quote | $85 |
| Online Quote | $121 |
| Total Discounts | $722 |
Discounts are estimated and may not be available from every company or in every state.
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