BMW X5 Insurance Rates
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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. Comprehensive insurance costs approximately $394, collision insurance costs $698, and liability is estimated at $416. A liability-only policy costs approximately $474 a year, and high-risk insurance costs $3,600 or more. 16-year-old drivers receive the highest rates at up to $6,036 a year.
Average premium for full coverage: $1,666
Rate estimates by individual coverage type:
Prices include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different X5 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $474 for a discount liability-only rate to a much higher rate of $3,600 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.
These examples show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows average BMW X5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $944
- Choosing higher $1,000 deductibles can save $250 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,666
- Buying more expensive low deductibles for comp and collision coverage costs an extra $478 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $3,600
- The cost to insure a 16-year-old driver with full coverage can cost $6,036 each year
Insurance rates for a BMW X5 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your X5.
Opting for high physical damage deductibles can save as much as $730 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance ranges from 45% to 134% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for BMW X5 insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Iowa, Maine, and Idaho, or at least $2,370 on average in New York, Louisiana, and Michigan.
| 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% |
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 insurance for a BMW X5 takes not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save around $210 per year just by shopping early and online
- Increasing deductibles could save as much as $725 each year
- Teens are expensive to insure, costing as high as $503 per month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,930 more per year for X5 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 | $6,036 |
| 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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