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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...

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UPDATED: Apr 30, 2020

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BMW X5 insurance

Estimated insurance rates for a BMW X5 are $1,724 a year including full coverage. Comprehensive costs on average $444 a year, collision insurance costs $750, and liability insurance costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs around $3,712. Teenage drivers pay the most at up to $6,110 a year.

Average premium for full coverage: $1,724

Premium estimates by type of coverage:

Comprehensive $444
Collision $750
Liability $372

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 $438 for only liability insurance to a high of $3,712 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,724
High Risk $3,712

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 $1,293
Small Cities $1,810
Large Cities $2,327

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 $979
  • Drivers who choose higher $1,000 deductibles will pay around $1,452 every year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,724
  • Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,250
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,712
  • An auto insurance policy for full coverage for a teen driver may cost $6,110 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing BMW X5 insurance rates range from $979 to $6,110 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 $6,100 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 $1,320 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,460 on average in Michigan, New York, and Louisiana.

BMW X5 Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,560-$164-9.5%
Alaska$1,324-$400-23.2%
Arizona$1,432-$292-16.9%
Arkansas$1,724-$00.0%
California$1,966$24214.0%
Colorado$1,648-$76-4.4%
Connecticut$1,774$502.9%
Delaware$1,954$23013.3%
Florida$2,160$43625.3%
Georgia$1,592-$132-7.7%
Hawaii$1,240-$484-28.1%
Idaho$1,168-$556-32.3%
Illinois$1,286-$438-25.4%
Indiana$1,300-$424-24.6%
Iowa$1,164-$560-32.5%
Kansas$1,640-$84-4.9%
Kentucky$2,352$62836.4%
Louisiana$2,554$83048.1%
Maine$1,064-$660-38.3%
Maryland$1,424-$300-17.4%
Massachusetts$1,382-$342-19.8%
Michigan$2,996$1,27273.8%
Minnesota$1,444-$280-16.2%
Mississippi$2,066$34219.8%
Missouri$1,530-$194-11.3%
Montana$1,854$1307.5%
Nebraska$1,360-$364-21.1%
Nevada$2,070$34620.1%
New Hampshire$1,242-$482-28.0%
New Jersey$1,928$20411.8%
New Mexico$1,528-$196-11.4%
New York$1,818$945.5%
North Carolina$994-$730-42.3%
North Dakota$1,412-$312-18.1%
Ohio$1,190-$534-31.0%
Oklahoma$1,772$482.8%
Oregon$1,582-$142-8.2%
Pennsylvania$1,646-$78-4.5%
Rhode Island$2,302$57833.5%
South Carolina$1,564-$160-9.3%
South Dakota$1,456-$268-15.5%
Tennessee$1,512-$212-12.3%
Texas$2,080$35620.6%
Utah$1,278-$446-25.9%
Vermont$1,180-$544-31.6%
Virginia$1,034-$690-40.0%
Washington$1,334-$390-22.6%
West Virginia$1,582-$142-8.2%
Wisconsin$1,194-$530-30.7%
Wyoming$1,538-$186-10.8%

View Chart as Image

BMW X5 insurance rates by U.S. city

Using high physical damage deductibles could save up to $800 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 $335 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 44% to 130% 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 TrimAnnual PremiumMonthly Premium
BMW X5 3.0I AWD$1,546$129
BMW X5 3.5D AWD$1,636$136
BMW X5 4.8I AWD$1,680$140
BMW X5 M AWD$1,950$163

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 YearComprehensiveCollisionLiabilityTotal Premium
2020 BMW X5$444$750$372$1,724
2019 BMW X5$424$720$390$1,692
2018 BMW X5$406$714$398$1,676
2017 BMW X5$394$698$416$1,666
2016 BMW X5$380$668$430$1,636
2015 BMW X5$358$646$442$1,604
2014 BMW X5$344$598$452$1,552
2013 BMW X5$332$564$456$1,510
2012 BMW X5$318$506$460$1,442
2011 BMW X5$296$466$460$1,380
2010 BMW X5$286$436$464$1,344
2009 BMW X5$280$406$474$1,318
2008 BMW X5$258$378$474$1,268
2007 BMW X5$252$342$478$1,230
2006 BMW X5$234$314$474$1,180
2005 BMW X5$220$284$474$1,136
2004 BMW X5$214$256$468$1,096
2003 BMW X5$210$250$460$1,078
2002 BMW X5$206$238$452$1,054
2001 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 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 $1,990 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 $800 each year
  • Drivers who require more liability insurance will pay an extra $410 per year to go from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

BMW X5 Insurance Rates by Driver Age
Driver AgePremium
16$6,110
20$3,944
30$1,820
40$1,724
50$1,570
60$1,538

Full coverage, $500 deductibles

Rates by Deductible

BMW X5 Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,250
$250$2,008
$500$1,724
$1,000$1,452

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,724
50/100$2,024
100/300$2,117
250/500$2,359
100 CSL$2,062
300 CSL$2,266
500 CSL$2,415

Full coverage, driver age 40

Rates for High Risk Drivers

BMW X5 Insurance Rates for High Risk Drivers
AgePremium
16$8,772
20$6,260
30$3,816
40$3,712
50$3,536
60$3,502

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 $238

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$94
Multi-vehicle$87
Homeowner$23
5-yr Accident Free$133
5-yr Claim Free$112
Paid in Full/EFT$84
Advance Quote$87
Online Quote$125
Total Discounts$745
Rate after discounts $979

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

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