BMW X5 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
U.S. average insurance rates for a BMW X5 are $1,676 a year for full coverage. Comprehensive costs around $406 a year, collision insurance costs $714, and liability is $398. Buying just liability costs around $460 a year, and insurance for high-risk drivers costs around $3,624. 16-year-old drivers pay the highest rates at up to $6,040 a year.
Average premium for full coverage: $1,676
Price estimates for individual coverage:
These estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and X5 trim levels.
Price Range from Low to High
For an average driver, BMW X5 insurance prices range from as low as $460 for just liability coverage to a high of $3,624 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why it is important to compare rates quotes for a specific zip code and risk profile, instead of 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.
Detailed Rate Analysis
The chart below shows average BMW X5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $951
- Raising to $1,000 deductibles will save about $1,424 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,676
- Buying low $100 deductibles will increase the cost to $2,172
- At-risk drivers with multiple tickets or accidents could pay at least $3,624
- The price for full coverage for a teen driver can be $6,040
Insurance prices for a BMW X5 are also quite variable based on your driving record, the trim level of your X5, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $6,000 a year. View Rates by Age
The state you live in also has a big influence on BMW X5 insurance prices. A middle-age driver might find 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.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $750 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $2,000 to $2,700 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 134% more than the average rate. 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 Cheap BMW X5 Insurance
Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following is a brief summary of the primary concepts that were covered in the above illustrations.
- Drivers can save up to $210 per year just by quoting early and online
- Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,950 more every year for X5 insurance
- Increasing physical damage deductibles can save around $750 each year
- Teens are charged the highest prices, with premiums as much as $503 a month including comprehensive and collision 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
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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