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.
U.S. average insurance rates for a BMW X5 are $1,552 a year for full coverage. Comprehensive costs approximately $344 each year, collision costs $598, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $3,362. Teenage drivers pay the highest rates at $5,742 a year or more.
Average premium for full coverage: $1,552
Price estimates by individual coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and X5 models.
Price Range from Low to High
For an average driver, BMW X5 insurance prices go from the low end price of $504 for a discount liability-only rate to a high rate of $3,362 for a policy for a high-risk driver.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why all drivers should compare rates using their specific location, instead of using average rates.
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.
Rates by State, City, and Model
The chart below shows estimated BMW X5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $887
- Drivers who choose higher $1,000 deductibles will pay $214 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,552
- Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,968
- Higher-risk drivers who are prone to accidents and violations could pay around $3,362 or more
- The price that insures a teen driver can cost $5,742 a year
Car insurance prices for a BMW X5 are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,700 a year. View Rates by Age
The state you live in makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,220 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $630 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes may be quite different.
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
Getting lower rates on car insurance not only requires being a low-risk driver, but also having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare prices every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The items below are a summary of the coverage data covered in the above illustrations.
- Drivers can save around $190 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $625 each year
- Teen drivers pay the highest auto insurance prices, with premiums as much as $479 a month if full coverage is purchased
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,810 more per year to insure their X5
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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