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BMW X5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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.

Estimated insurance rates for a BMW X5 are $1,692 a year including full coverage. Comprehensive costs on average $424 a year, collision insurance costs $720, and liability insurance costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs around $3,648. Teenage drivers pay the most at up to $6,050 a year.

Average premium for full coverage: $1,692

Premium estimates by type of coverage:

Comprehensive $424
Collision $720
Liability $390

Prices are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist coverage. Rates include averaging for all 50 U.S. states and X5 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a BMW X5 range from as low as $452 for only liability insurance to a high of $3,648 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,692
High Risk $3,648

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

These rate differences highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below breaks down average BMW X5 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $960
  • Drivers who choose higher $1,000 deductibles will pay around $1,432 every year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,692
  • Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,196
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,648
  • An auto insurance policy for full coverage for a teen driver may cost $6,050 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing BMW X5 insurance rates range from $960 to $6,050 for full coverage

Insurance prices for a BMW X5 also have a wide range based on your driving characteristics, the model of your X5, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age

Where you choose to live makes a big difference in BMW X5 insurance rates. A 40-year-old driver could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,420 on average in Michigan, New York, and Louisiana.

BMW X5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,532 -$160 -9.5%
Alaska $1,298 -$394 -23.3%
Arizona $1,406 -$286 -16.9%
Arkansas $1,692 -$0 0.0%
California $1,930 $238 14.1%
Colorado $1,618 -$74 -4.4%
Connecticut $1,740 $48 2.8%
Delaware $1,918 $226 13.4%
Florida $2,118 $426 25.2%
Georgia $1,564 -$128 -7.6%
Hawaii $1,216 -$476 -28.1%
Idaho $1,146 -$546 -32.3%
Illinois $1,262 -$430 -25.4%
Indiana $1,276 -$416 -24.6%
Iowa $1,142 -$550 -32.5%
Kansas $1,608 -$84 -5.0%
Kentucky $2,310 $618 36.5%
Louisiana $2,508 $816 48.2%
Maine $1,044 -$648 -38.3%
Maryland $1,396 -$296 -17.5%
Massachusetts $1,354 -$338 -20.0%
Michigan $2,942 $1,250 73.9%
Minnesota $1,418 -$274 -16.2%
Mississippi $2,028 $336 19.9%
Missouri $1,502 -$190 -11.2%
Montana $1,818 $126 7.4%
Nebraska $1,336 -$356 -21.0%
Nevada $2,030 $338 20.0%
New Hampshire $1,220 -$472 -27.9%
New Jersey $1,894 $202 11.9%
New Mexico $1,500 -$192 -11.3%
New York $1,782 $90 5.3%
North Carolina $974 -$718 -42.4%
North Dakota $1,388 -$304 -18.0%
Ohio $1,170 -$522 -30.9%
Oklahoma $1,740 $48 2.8%
Oregon $1,550 -$142 -8.4%
Pennsylvania $1,616 -$76 -4.5%
Rhode Island $2,260 $568 33.6%
South Carolina $1,534 -$158 -9.3%
South Dakota $1,428 -$264 -15.6%
Tennessee $1,484 -$208 -12.3%
Texas $2,040 $348 20.6%
Utah $1,254 -$438 -25.9%
Vermont $1,158 -$534 -31.6%
Virginia $1,014 -$678 -40.1%
Washington $1,308 -$384 -22.7%
West Virginia $1,550 -$142 -8.4%
Wisconsin $1,172 -$520 -30.7%
Wyoming $1,510 -$182 -10.8%

View Chart as Image

BMW X5 insurance rates by U.S. city

Using high physical damage deductibles could save up to $770 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $2,000 to $2,700 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

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 $1,520 $127
BMW X5 3.5D AWD $1,606 $134
BMW X5 4.8I AWD $1,650 $138
BMW X5 M AWD $1,908 $159

Rates assume 2020 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
2020 BMW X5 $424 $720 $390 $1,692
2019 BMW X5 $406 $714 $398 $1,676
2018 BMW X5 $394 $698 $416 $1,666
2017 BMW X5 $380 $668 $430 $1,636
2016 BMW X5 $358 $646 $442 $1,604
2015 BMW X5 $344 $598 $452 $1,552
2014 BMW X5 $332 $564 $456 $1,510
2013 BMW X5 $318 $506 $460 $1,442
2012 BMW X5 $296 $466 $460 $1,380
2011 BMW X5 $286 $436 $464 $1,344
2010 BMW X5 $280 $406 $474 $1,318
2009 BMW X5 $258 $378 $474 $1,268
2008 BMW X5 $252 $342 $478 $1,230
2007 BMW X5 $234 $314 $474 $1,180
2006 BMW X5 $220 $284 $474 $1,136
2005 BMW X5 $214 $256 $468 $1,096
2004 BMW X5 $210 $250 $460 $1,078
2003 BMW X5 $206 $238 $452 $1,054
2002 BMW X5 $190 $226 $446 $1,020
2001 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 Affordable BMW X5 Insurance

Finding better rates on BMW X5 insurance not only requires being a safe driver, but also having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Here is a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,960 more each year for insurance
  • You may be able to save as much as $210 per year just by quoting early and online
  • Increasing policy deductibles can save around $775 each year
  • Drivers who require more liability insurance will pay an extra $430 per year to go from 30/60 bodily injury limits to 250/500 limits

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 $6,050
20 $3,872
30 $1,782
40 $1,692
50 $1,542
60 $1,510

Full coverage, $500 deductibles

Rates by Deductible

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,196
$250 $1,964
$500 $1,692
$1,000 $1,432

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,692
50/100 $1,986
100/300 $2,084
250/500 $2,337
100 CSL $2,025
300 CSL $2,240
500 CSL $2,396

Full coverage, driver age 40

Rates for High Risk Drivers

BMW X5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,676
20 $6,158
30 $3,746
40 $3,648
50 $3,474
60 $3,444

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 $92
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $130
5-yr Claim Free $110
Paid in Full/EFT $82
Advance Quote $86
Online Quote $123
Total Discounts $732
Rate after discounts $960

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

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