BMW X5 Insurance Rates
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Michelle Robbins
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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.
U.S. average insurance rates for a BMW X5 are $1,676 a year including full coverage. Comprehensive insurance costs an estimated $406, collision costs $714, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $3,624 or more. Teenage drivers pay the highest rates at $6,040 a year or more.
Average premium for full coverage: $1,676
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all X5 models.
Price Range from Low to High
For an average driver, BMW X5 insurance prices go from the low end price of $460 for liability-only coverage to the much higher price of $3,624 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why everyone should compare prices for a targeted area, 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.
Additional Charts and Tables
The chart below breaks down estimated BMW X5 insurance rates for other coverage scenarios.
- The best discount rate is $951
- Using higher $1,000 deductibles will save approximately $252 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,676
- Using pricier low deductibles for physical damage coverage will cost an additional $496 every year
- Drivers who are prone to accidents and violations could pay up to $3,624 or more
- The price that insures a teen driver for full coverage can cost as much as $6,040 or more
Insurance prices for a BMW X5 are also quite variable based on the model of your X5, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $2,000 to $2,700 extra each year, depending on your age. BMW X5 insurance for high-risk drivers can be as much as 45% to 134% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $6,000 a year. View Rates by Age
The state you live in has a huge impact on BMW X5 insurance prices. A driver around age 40 might see prices as low as $1,290 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,390 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,518 | -$158 | -9.4% |
| Alaska | $1,288 | -$388 | -23.2% |
| Arizona | $1,394 | -$282 | -16.8% |
| Arkansas | $1,676 | -$0 | 0.0% |
| California | $1,912 | $236 | 14.1% |
| Colorado | $1,602 | -$74 | -4.4% |
| Connecticut | $1,726 | $50 | 3.0% |
| Delaware | $1,898 | $222 | 13.2% |
| Florida | $2,100 | $424 | 25.3% |
| Georgia | $1,550 | -$126 | -7.5% |
| Hawaii | $1,206 | -$470 | -28.0% |
| Idaho | $1,136 | -$540 | -32.2% |
| Illinois | $1,252 | -$424 | -25.3% |
| Indiana | $1,264 | -$412 | -24.6% |
| Iowa | $1,132 | -$544 | -32.5% |
| Kansas | $1,594 | -$82 | -4.9% |
| Kentucky | $2,292 | $616 | 36.8% |
| Louisiana | $2,484 | $808 | 48.2% |
| Maine | $1,038 | -$638 | -38.1% |
| Maryland | $1,384 | -$292 | -17.4% |
| Massachusetts | $1,344 | -$332 | -19.8% |
| Michigan | $2,916 | $1,240 | 74.0% |
| Minnesota | $1,404 | -$272 | -16.2% |
| Mississippi | $2,012 | $336 | 20.0% |
| Missouri | $1,490 | -$186 | -11.1% |
| Montana | $1,804 | $128 | 7.6% |
| Nebraska | $1,324 | -$352 | -21.0% |
| Nevada | $2,014 | $338 | 20.2% |
| New Hampshire | $1,212 | -$464 | -27.7% |
| New Jersey | $1,876 | $200 | 11.9% |
| New Mexico | $1,488 | -$188 | -11.2% |
| New York | $1,768 | $92 | 5.5% |
| North Carolina | $968 | -$708 | -42.2% |
| North Dakota | $1,376 | -$300 | -17.9% |
| Ohio | $1,160 | -$516 | -30.8% |
| Oklahoma | $1,726 | $50 | 3.0% |
| Oregon | $1,538 | -$138 | -8.2% |
| Pennsylvania | $1,602 | -$74 | -4.4% |
| Rhode Island | $2,240 | $564 | 33.7% |
| South Carolina | $1,522 | -$154 | -9.2% |
| South Dakota | $1,418 | -$258 | -15.4% |
| Tennessee | $1,470 | -$206 | -12.3% |
| Texas | $2,024 | $348 | 20.8% |
| Utah | $1,244 | -$432 | -25.8% |
| Vermont | $1,148 | -$528 | -31.5% |
| Virginia | $1,004 | -$672 | -40.1% |
| Washington | $1,298 | -$378 | -22.6% |
| West Virginia | $1,540 | -$136 | -8.1% |
| Wisconsin | $1,162 | -$514 | -30.7% |
| Wyoming | $1,494 | -$182 | -10.9% |
Using high physical damage deductibles could cut prices by as much as $750 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X5 3.0I AWD | $1,508 | $126 |
| BMW X5 3.5D AWD | $1,594 | $133 |
| BMW X5 4.8I AWD | $1,636 | $136 |
| BMW X5 M AWD | $1,890 | $158 |
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 | $424 | $720 | $390 | $1,692 |
| 2023 BMW X5 | $406 | $714 | $398 | $1,676 |
| 2022 BMW X5 | $394 | $698 | $416 | $1,666 |
| 2021 BMW X5 | $380 | $668 | $430 | $1,636 |
| 2020 BMW X5 | $358 | $646 | $442 | $1,604 |
| 2019 BMW X5 | $344 | $598 | $452 | $1,552 |
| 2018 BMW X5 | $332 | $564 | $456 | $1,510 |
| 2017 BMW X5 | $318 | $506 | $460 | $1,442 |
| 2016 BMW X5 | $296 | $466 | $460 | $1,380 |
| 2015 BMW X5 | $286 | $436 | $464 | $1,344 |
| 2014 BMW X5 | $280 | $406 | $474 | $1,318 |
| 2013 BMW X5 | $258 | $378 | $474 | $1,268 |
| 2012 BMW X5 | $252 | $342 | $478 | $1,230 |
| 2011 BMW X5 | $234 | $314 | $474 | $1,180 |
| 2010 BMW X5 | $220 | $284 | $474 | $1,136 |
| 2009 BMW X5 | $214 | $256 | $468 | $1,096 |
| 2008 BMW X5 | $210 | $250 | $460 | $1,078 |
| 2006 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 the Best BMW X5 Insurance
Getting lower rates on car insurance requires being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a brief recap of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $210 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers who tend to receive serious violations could be charged and average of $1,950 more annually than a low-risk driver
- Increasing physical damage deductibles can save approximately $750 each year
- Youthful drivers are charged the highest prices, possibly costing $503 a month if full coverage is included
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 | $6,040 |
| 20 | $3,856 |
| 30 | $1,768 |
| 40 | $1,676 |
| 50 | $1,528 |
| 60 | $1,498 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,172 |
| $250 | $1,942 |
| $500 | $1,676 |
| $1,000 | $1,424 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,676 |
| 50/100 | $1,970 |
| 100/300 | $2,069 |
| 250/500 | $2,328 |
| 100 CSL | $2,009 |
| 300 CSL | $2,228 |
| 500 CSL | $2,388 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,664 |
| 20 | $6,130 |
| 30 | $3,724 |
| 40 | $3,624 |
| 50 | $3,456 |
| 60 | $3,426 |
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 | $91 |
| Multi-vehicle | $86 |
| Homeowner | $23 |
| 5-yr Accident Free | $129 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $81 |
| Advance Quote | $85 |
| Online Quote | $121 |
| Total Discounts | $725 |
Discounts are estimated and may not be available from every company or in every state.
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