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.
Average insurance rates for a BMW X5 are $1,666 a year with full coverage. Comprehensive insurance costs around $394, collision costs $698, and liability insurance is estimated at $416. Liability-only coverage costs approximately $474 a year, with high-risk coverage costing $3,600 or more. Teenage drivers receive the highest rates at $6,036 a year or more.
Average premium for full coverage: $1,666
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different X5 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $474 for your basic liability-only policy to a much higher rate of $3,600 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, 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.
More Rate Information
The chart below details estimated BMW X5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $944
- Choosing higher $1,000 deductibles can save about $250 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,666
- Using more expensive low deductibles for comp and collision coverage will cost an additional $478 a year
- High-risk insureds who are prone to accidents and violations could pay at least $3,600 or more
- The cost that insures a teen driver with full coverage can be $6,036 each year
Car insurance rates for a BMW X5 can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $6,000 a year. View Rates by Age
Where you live plays a big part in determining prices for BMW X5 insurance rates. A good driver about age 40 could pay as low as $1,200 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,250 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can save as much as $730 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.
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 Find Affordable BMW X5 Insurance
Saving money on BMW X5 insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief review of the concepts that were illustrated above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,930 more every year than a low-risk driver
- Youthful drivers are the costliest to insure, with premiums as much as $503 per month if full coverage is purchased
- You may be able to save up to $210 per year simply by shopping early and online
- Increasing deductibles can save approximately $725 each year
- You may be able to save up to $210 per year simply by shopping early and online
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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