BMW X5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2024

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BMW X5 insurance
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.

The average insurance rates for a BMW X5 are $1,692 a year with full coverage. Comprehensive insurance costs approximately $424 each year, collision costs $720, and liability coverage costs $390. A liability-only policy costs as little as $452 a year, with high-risk insurance costing $3,648 or more. Teenage drivers cost the most to insure at $6,050 a year or more.

Average premium for full coverage: $1,692

Policy rates by type of insurance:

Comprehensive $424
Collision $720
Liability $390

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and X5 models.

Price Range Variability

For the average driver, BMW X5 insurance rates go from the low end price of $452 for the bare minimum liability coverage to a high rate of $3,648 for high-risk insurance.

Liability Only $452
Full Coverage $1,692
High Risk $3,648

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

The examples above demonstrate why all drivers should compare rates using their specific location, rather than 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 Rate Information

The chart below details estimated BMW X5 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $960
  • Drivers who choose higher $1,000 deductibles will pay $260 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,692
  • Using low deductibles for comprehensive and collision insurance will cost an additional $504 each year
  • High-risk insureds who are prone to accidents and violations could pay around $3,648 or more
  • Policy cost that insures a teenage driver can cost $6,050 a year

View Chart as Image

BMW X5 insurance cost comparison chart
Column chart showing full coverage BMW X5 insurance prices range from $960 to $6,050

Car insurance rates for a BMW X5 also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can cost around 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,000 a year. View Rates by Age

Your home state makes a big difference in BMW X5 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,290 on average in New York, Michigan, and Florida.

BMW X5 Insurance Rates by State
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%

View Chart as Image

BMW X5 insurance rates by U.S. city

Using high physical damage deductibles could save up to $770 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

BMW X5 Insurance Rates by Model and Trim Level
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.

BMW X5 Insurance Rates by Model Year
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 Find the Right BMW X5 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices every couple of years by getting rate quotes from direct companies, and also from local insurance agencies.

The following list is a quick rundown of the material that was touched on above.

  • Consumers who purchase an increased level of liability coverage will pay an extra $430 every year to go from a 30/60 limit to the 250/500 level
  • Drivers age 16 to 20 pay the highest auto insurance rates, as much as $504 each month if full coverage is purchased
  • Drivers with reckless driving or DUI convictions may have to pay on average $1,960 more per year than a safer driver
  • Increasing comprehensive and collision deductibles can save approximately $775 each year

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

  1. https://www.iihs.org/ratings/vehicle/bmw/x5-4-door-suv/2020

Rates by Driver Age

BMW X5 Insurance 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

BMW X5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,196
$250 $1,964
$500 $1,692
$1,000 $1,432

Full coverage, driver age 40

Rates by Liability Limit

BMW X5 Insurance Rates with Different Liability Limits
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

BMW X5 Insurance 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.

SR-22 Surcharge $234

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
Rate after discounts $960

Discounts are estimated and may not be available from every company or in every state.

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