BMW X5 Insurance Rates
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Written by
Jeffrey Johnson |
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.
Average insurance rates for a BMW X5 are $1,604 a year for full coverage. Comprehensive costs on average $358 a year, collision costs $646, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,478. Teen drivers receive the highest rates at $5,904 a year or more.
Average premium for full coverage: $1,604
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and X5 trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,478 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
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.
Insurance Rate Analysis
The chart below shows estimated BMW X5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $911
- Drivers who choose higher $1,000 deductibles will pay around $1,376 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,604
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,046
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,478 or more
- The cost for full coverage for a teen driver may cost $5,904 a year
for a BMW X5 can also vary considerably based on your driver profile, the trim level of your X5, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,900 a year. View Rates by Age
Where you live makes a big difference in BMW X5 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or as much as $2,290 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could save up to $670 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
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
Saving money on BMW X5 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $675 each year
- Drivers can save as much as $200 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $492 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,870 more each year for insurance
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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