BMW X5 Insurance Rates
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UPDATED: Nov 21, 2019
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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.
Estimated insurance rates for a BMW X5 are $1,604 a year for full coverage insurance. Comprehensive costs approximately $358, collision costs $646, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $3,478. Teenage drivers pay the most at $5,904 a year or more.
Average premium for full coverage: $1,604
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different X5 trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a BMW X5 go from the low end price of $496 for just liability coverage to a much higher rate of $3,478 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location, 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.
Detailed Rate Analysis
The chart below illustrates estimated BMW X5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $911
- Drivers who choose higher $1,000 deductibles will pay $228 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,604
- Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,046
- Higher-risk drivers who are prone to accidents and violations could pay around $3,478 or more
- An auto insurance policy that insures a teen driver with full coverage can cost $5,904 a year
Insurance prices for a BMW X5 also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average, or $125 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 in the ballpark of $5,900 a year. View Rates by Age
Where you choose to live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,170 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,452 | -$152 | -9.5% |
| Alaska | $1,230 | -$374 | -23.3% |
| Arizona | $1,334 | -$270 | -16.8% |
| Arkansas | $1,604 | -$0 | 0.0% |
| California | $1,828 | $224 | 14.0% |
| Colorado | $1,532 | -$72 | -4.5% |
| Connecticut | $1,648 | $44 | 2.7% |
| Delaware | $1,816 | $212 | 13.2% |
| Florida | $2,006 | $402 | 25.1% |
| Georgia | $1,482 | -$122 | -7.6% |
| Hawaii | $1,154 | -$450 | -28.1% |
| Idaho | $1,086 | -$518 | -32.3% |
| Illinois | $1,196 | -$408 | -25.4% |
| Indiana | $1,208 | -$396 | -24.7% |
| Iowa | $1,082 | -$522 | -32.5% |
| Kansas | $1,524 | -$80 | -5.0% |
| Kentucky | $2,190 | $586 | 36.5% |
| Louisiana | $2,376 | $772 | 48.1% |
| Maine | $990 | -$614 | -38.3% |
| Maryland | $1,324 | -$280 | -17.5% |
| Massachusetts | $1,284 | -$320 | -20.0% |
| Michigan | $2,786 | $1,182 | 73.7% |
| Minnesota | $1,342 | -$262 | -16.3% |
| Mississippi | $1,922 | $318 | 19.8% |
| Missouri | $1,422 | -$182 | -11.3% |
| Montana | $1,726 | $122 | 7.6% |
| Nebraska | $1,264 | -$340 | -21.2% |
| Nevada | $1,924 | $320 | 20.0% |
| New Hampshire | $1,154 | -$450 | -28.1% |
| New Jersey | $1,792 | $188 | 11.7% |
| New Mexico | $1,422 | -$182 | -11.3% |
| New York | $1,692 | $88 | 5.5% |
| North Carolina | $924 | -$680 | -42.4% |
| North Dakota | $1,314 | -$290 | -18.1% |
| Ohio | $1,110 | -$494 | -30.8% |
| Oklahoma | $1,648 | $44 | 2.7% |
| Oregon | $1,470 | -$134 | -8.4% |
| Pennsylvania | $1,532 | -$72 | -4.5% |
| Rhode Island | $2,140 | $536 | 33.4% |
| South Carolina | $1,452 | -$152 | -9.5% |
| South Dakota | $1,354 | -$250 | -15.6% |
| Tennessee | $1,406 | -$198 | -12.3% |
| Texas | $1,934 | $330 | 20.6% |
| Utah | $1,190 | -$414 | -25.8% |
| Vermont | $1,098 | -$506 | -31.5% |
| Virginia | $962 | -$642 | -40.0% |
| Washington | $1,240 | -$364 | -22.7% |
| West Virginia | $1,470 | -$134 | -8.4% |
| Wisconsin | $1,110 | -$494 | -30.8% |
| Wyoming | $1,430 | -$174 | -10.8% |
Using high physical damage deductibles could save up to $670 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X5 3.0I AWD | $1,452 | $121 |
| BMW X5 3.5D AWD | $1,528 | $127 |
| BMW X5 4.8I AWD | $1,566 | $131 |
| BMW X5 M AWD | $1,794 | $150 |
Rates assume 2018 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 |
|---|---|---|---|---|
| 2018 BMW X5 | $358 | $646 | $442 | $1,604 |
| 2016 BMW X5 | $332 | $564 | $456 | $1,510 |
| 2013 BMW X5 | $286 | $436 | $464 | $1,344 |
| 2012 BMW X5 | $280 | $406 | $474 | $1,318 |
| 2011 BMW X5 | $258 | $378 | $474 | $1,268 |
| 2010 BMW X5 | $252 | $342 | $478 | $1,230 |
| 2009 BMW X5 | $234 | $314 | $474 | $1,180 |
| 2008 BMW X5 | $220 | $284 | $474 | $1,136 |
| 2006 BMW X5 | $210 | $250 | $460 | $1,078 |
| 2004 BMW X5 | $190 | $226 | $446 | $1,020 |
| 2003 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 Cheaper BMW X5 Insurance
Finding better rates on car insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least every other year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
The next list is a condensed summary of the car insurance concepts illustrated above.
- Higher risk drivers with multiple at-fault accidents could be charged and average of $1,870 more per year to buy BMW X5 insurance
- It is possible to save around $200 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $675 each year
- Policyholders who purchase increased levels of liability coverage will pay an extra $490 annually to go from 30/60 bodily injury limits to the 250/500 level
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 | $5,904 |
| 20 | $3,698 |
| 30 | $1,680 |
| 40 | $1,604 |
| 50 | $1,464 |
| 60 | $1,436 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,046 |
| $250 | $1,842 |
| $500 | $1,604 |
| $1,000 | $1,376 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,604 |
| 50/100 | $1,882 |
| 100/300 | $1,993 |
| 250/500 | $2,280 |
| 100 CSL | $1,927 |
| 300 CSL | $2,170 |
| 500 CSL | $2,347 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,450 |
| 20 | $5,894 |
| 30 | $3,560 |
| 40 | $3,478 |
| 50 | $3,318 |
| 60 | $3,288 |
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 | $87 |
| Multi-vehicle | $84 |
| Homeowner | $23 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $76 |
| Advance Quote | $81 |
| Online Quote | $116 |
| Total Discounts | $693 |
Discounts are estimated and may not be available from every company or in every state.
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