BMW X5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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BMW X5 insurance
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 $1,552 a year including full coverage. Comprehensive insurance costs an estimated $344 each year, collision costs $598, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $3,362 or more. Teen drivers pay the most at $5,742 a year or more.

Average premium for full coverage: $1,552

Premium estimates broken down by type of coverage:

Comprehensive $344
Collision $598
Liability $452

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and X5 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a BMW X5 go from the low end price of $504 for your basic liability-only policy to a high rate of $3,362 for a high-risk insurance policy.

Liability Only $504
Full Coverage $1,552
High Risk $3,362

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $1,164
Small Cities $1,630
Large Cities $2,095

These rate differences highlight why all drivers should compare rates for a targeted area, rather than relying 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 Information

The chart below breaks down estimated BMW X5 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $887
  • Drivers who choose higher $1,000 deductibles will pay approximately $214 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,552
  • Choosing low deductibles for comprehensive and collision insurance will cost an additional $416 a year
  • High risk drivers with multiple violations and an at-fault accident could pay up to $3,362 or more
  • An auto insurance policy that insures a teen driver can cost as much as $5,742 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing full coverage BMW X5 insurance prices range from $887 to $5,742

Insurance prices for a BMW X5 also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,700 a year. View Rates by Age

Where you choose to live makes a big difference in BMW X5 insurance rates. A 40-year-old driver could pay as low as $1,190 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,220 on average in Louisiana, New York, and Michigan.

BMW X5 Insurance Rates by State
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%

View Chart as Image

BMW X5 insurance rates by U.S. city

Choosing high deductibles could save up to $630 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

BMW X5 Insurance Rates by Model and Trim Level
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.

BMW X5 Insurance Rates by Model Year
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 Find Cheaper BMW X5 Insurance

Finding better rates on BMW X5 insurance not only requires avoiding accidents and claims, but also having above-average credit, refrain from filing small claims, and taking advantage of discounts. Shop around at least every other year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the car insurance concepts presented in the illustrations above.

  • High-risk drivers with multiple at-fault accidents could be charged and average of $1,810 more annually to insure a BMW X5
  • You may be able to save approximately $190 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $625 each year
  • Drivers who want increased liability limits will pay about $500 per year to go from 30/60 bodily injury limits to the 250/500 level

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

  1. https://www.iihs.org/ratings/vehicle/bmw/x5-4-door-suv/2020

Rates by Driver Age

BMW X5 Insurance 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

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,968
$250 $1,776
$500 $1,552
$1,000 $1,338

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
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

BMW X5 Insurance 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.

SR-22 Surcharge $217

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
Rate after discounts $887

Discounts are estimated and may not be available from every company or in every state.

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