BMW X5 4.8I AWD Insurance Rates

Estimated insurance rates for a BMW X5 4.8I AWD are $1,690 a year with full coverage. Comprehensive insurance costs around $438 a year, collision insurance costs $730, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs $3,630 or more. Teenage drivers pay the most at up to $5,980 a year.

Annual premium for full coverage: $1,690

Premium estimates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this BMW X5 Trim Level

These rate differences demonstrate why it is important for drivers to compare prices for a specific zip code, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a BMW X5 4.8I AWD also have a wide range based on the model year of your X5, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $2,000 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,900 a year. View Rates by Age

Where you choose to live has a huge impact on BMW X5 4.8I AWD insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $780 a year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to find out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the rates will be substantially different.

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The chart above shows BMW X5 4.8I AWD insurance prices for various risks and coverage choices. The cheapest price with discounts is $961. Drivers who use higher $1,000 deductibles will pay $1,424. The average price for a driver age 40 with no violations using $500 deductibles is $1,690. Choosing low $100 deductibles for comp and collision coverage could cost up to $2,202. Drivers with multiple violations and accidents could be charged up to $3,630. The cost for full coverage for a 16-year-old driver can be as high as $5,980.

View Chart as Image