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 auto insurance rates for a BMW X5 are $1,692 annually for full coverage. Comprehensive costs an estimated $424, collision costs $720, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $3,648. Teenage drivers receive the highest rates at $6,050 a year or more.
Average premium for full coverage: $1,692
Rate estimates broken down by individual coverage type:
Includes $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all X5 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $452 for just the minimum liability insurance to the much higher price of $3,648 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.
The example below illustrates how your location can change insurance prices.
These examples show why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based 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.
Additional Rate Analysis
The chart below shows estimated BMW X5 insurance rates for other coverage scenarios.
- The best discount rate is $960
- Raising to $1,000 deductibles will save approximately $260 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,692
- Using pricier low deductibles will cost $2,196
- Drivers who are prone to accidents and violations could pay up to $3,648 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $6,050
Car insurance rates for a BMW X5 can also vary considerably based on the trim level of your X5, your driver profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $6,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $2,000 to $2,700 extra per year, depending on your age. BMW X5 insurance for high-risk drivers is expensive and can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $770 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on BMW X5 insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,420 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| 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 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 | $444 | $750 | $372 | $1,724 |
| 2023 BMW X5 | $424 | $720 | $390 | $1,692 |
| 2022 BMW X5 | $406 | $714 | $398 | $1,676 |
| 2021 BMW X5 | $394 | $698 | $416 | $1,666 |
| 2020 BMW X5 | $380 | $668 | $430 | $1,636 |
| 2019 BMW X5 | $358 | $646 | $442 | $1,604 |
| 2018 BMW X5 | $344 | $598 | $452 | $1,552 |
| 2017 BMW X5 | $332 | $564 | $456 | $1,510 |
| 2016 BMW X5 | $318 | $506 | $460 | $1,442 |
| 2015 BMW X5 | $296 | $466 | $460 | $1,380 |
| 2014 BMW X5 | $286 | $436 | $464 | $1,344 |
| 2013 BMW X5 | $280 | $406 | $474 | $1,318 |
| 2012 BMW X5 | $258 | $378 | $474 | $1,268 |
| 2011 BMW X5 | $252 | $342 | $478 | $1,230 |
| 2010 BMW X5 | $234 | $314 | $474 | $1,180 |
| 2009 BMW X5 | $220 | $284 | $474 | $1,136 |
| 2008 BMW X5 | $214 | $256 | $468 | $1,096 |
| 2006 BMW X5 | $206 | $238 | $452 | $1,054 |
| 2004 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 Buy the Cheapest BMW X5 Insurance
Saving money on insurance for a BMW X5 consists of having a good driving record, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Invest the time to shop around every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a recap of the information illustrated above.
- Drivers can save approximately $210 per year simply by quoting online well ahead of the renewal date
- Drivers age 20 and younger have the highest car insurance rates, costing as high as $504 per month if comprehensive and collision insurance is included
- Increasing deductibles could save up to $775 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,960 more annually to buy BMW X5 insurance
- Insureds who want increased levels of liability coverage will pay an extra $430 each year to raise from a minimum limit to higher 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,196 |
| $250 | $1,964 |
| $500 | $1,692 |
| $1,000 | $1,432 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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