BMW X5 Insurance Rates
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Michelle Robbins
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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.
Average insurance prices for a BMW X5 are $1,666 every 12 months for full coverage insurance. Comprehensive insurance costs around $394, collision costs $698, and liability insurance is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $3,600 or more. Teens receive the highest rates at $6,036 a year or more.
Average premium for full coverage: $1,666
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different X5 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $474 for just liability coverage to a much higher rate of $3,600 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates estimated BMW X5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $944
- Raising to $1,000 deductibles will save about $250 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,666
- Selecting more expensive low deductibles costs an extra $478 a year
- Higher-risk drivers with serious driving violations could pay at least $3,600 or more
- The cost to insure a teen driver with full coverage can be $6,036
Auto insurance rates for a BMW X5 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $730 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $2,000 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on BMW X5 insurance rates. A middle-age driver might find rates as low as $1,090 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,250 on average in Michigan, New York, and Florida.
| 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 so much variability in rates, the only way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates can be significantly 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 the Right BMW X5 Insurance
Saving money on BMW X5 insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick rundown of the ideas that were touched on in this article.
- Drivers under the age of 20 are expensive to insure, costing up to $503 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,930 more every year to insure a BMW X5
- Increasing deductibles could save as much as $725 each year
- It is possible to save up to $210 per year simply by shopping 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 | $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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