BMW X5 Insurance Rates

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UPDATED: May 27, 2024

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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.

U.S. average insurance rates for a BMW X5 are $1,676 a year for full coverage. Comprehensive insurance costs around $406, collision costs $714, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing $3,624 or more. 16-year-old drivers pay the highest rates at $6,040 a year or more.

Average premium for full coverage: $1,676

Price estimates for individual coverage:

Comprehensive $406
Collision $714
Liability $398

Rates are based on $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all X5 models.

Price Range from Low to High

Using a 40-year-old driver as an example, BMW X5 insurance prices go from the low end price of $460 for the bare minimum liability coverage to the much higher price of $3,624 for a policy for a high-risk driver.

Liability Only $460
Full Coverage $1,676
High Risk $3,624

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,257
Small Cities $1,760
Large Cities $2,263

The ranges above show why everyone should compare prices for a specific zip code, rather than using rate 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 Information

The chart below shows estimated BMW X5 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $951
  • Using higher $1,000 deductibles will save about $252 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,676
  • Buying pricier low deductibles for physical damage coverage will cost an additional $496 each year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,624 or more
  • The price that insures a teenage driver for full coverage can be $6,040 or more

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing full coverage BMW X5 insurance prices range from $951 to $6,040

Car insurance prices for a BMW X5 are also quite variable based on the model of your X5, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $2,000 to $2,700 extra each year, depending on your age. BMW X5 insurance for high-risk drivers can be around 45% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $6,000 a year. View Rates by Age

The state you live in has a huge impact on BMW X5 insurance rates. A driver around age 40 might see prices as low as $1,110 a year in states like Idaho, Maine, and Iowa, or at least $2,390 on average in Michigan, Louisiana, and New York.

BMW X5 Insurance Rates by State
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%

View Chart as Image

BMW X5 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $750 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite 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 $1,508 $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.

BMW X5 Insurance Rates by Model Year
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 the Best Cheap BMW X5 Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop every year by getting rate quotes from direct carriers, and also from several local insurance agents.

The following is a quick review of the coverage data raised in the charts and tables above.

  • Drivers can save up to $210 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $750 each year
  • Teens are the costliest to insure, with premiums as much as $503 a month if full coverage is purchased
  • Drivers with a DUI or reckless driving violation pay on average $1,950 more every year for X5 insurance

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 $6,040
20 $3,856
30 $1,768
40 $1,676
50 $1,528
60 $1,498

Full coverage, $500 deductibles

Rates by Deductible

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,172
$250 $1,942
$500 $1,676
$1,000 $1,424

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
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

BMW X5 Insurance 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.

SR-22 Surcharge $234

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
Rate after discounts $951

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

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