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.
The average insurance rates for a BMW X5 are $1,552 a year including full coverage. Comprehensive costs on average $344 a year, collision costs $598, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing around $3,362. Teens cost the most to insure at $5,742 a year or more.
Average premium for full coverage: $1,552
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and X5 trim levels.
Price Range Variability
For a 40-year-old driver, BMW X5 insurance rates go from the low end price of $504 for basic liability insurance to a high of $3,362 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how your location can change car insurance rates.
The examples above highlight why it is important to compare prices based on a specific location, rather than relying on 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.
Rate Comparisons
The chart below breaks down estimated BMW X5 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $887
- Using higher $1,000 deductibles will save around $1,338 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,552
- Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,968
- Drivers with serious driving violations could pay upwards of $3,362 or more
- Policy cost that insures a teen driver may cost $5,742 or more
Car insurance rates for a BMW X5 also range considerably based on the trim level of your X5, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,700 a year. View Rates by Age
Your home state has a huge impact on BMW X5 insurance rates. A driver around age 40 might see rates as low as $1,190 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $630 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied.
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 Find More Affordable BMW X5 Insurance
Finding cheaper rates on BMW X5 insurance requires being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
Below is a summary of the ideas that were illustrated above.
- Teenage drivers are expensive to insure, with premiums being up to $479 each month if full coverage is purchased
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,810 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- You may be able to save as much as $190 per year simply by quoting early and online
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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