BMW X5 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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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 prices for a BMW X5 are $1,666 every 12 months for full coverage. Comprehensive insurance costs on average $394 a year, collision costs $698, and liability costs $416. A policy with only liability insurance costs as little as $474 a year, with a high-risk policy costing $3,600 or more. Teen drivers pay the most at $6,036 a year or more.
Average premium for full coverage: $1,666
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all states and X5 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a BMW X5 go from the cheapest price of $474 for just liability coverage to a high of $3,600 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how geographic area affects car insurance rates.
These rate differences show why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based 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.
Detailed Rate Analysis
The chart below shows estimated BMW X5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $944
- Drivers who choose higher $1,000 deductibles will pay around $1,416 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,666
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $478 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,600 or more
- An auto insurance policy to insure a 16-year-old driver may cost $6,036 a year
Car insurance prices for a BMW X5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your X5.
Choosing high deductibles could save up to $730 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $6,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can cost from 45% to 134% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Idaho, Maine, and Iowa, or as much as $2,370 on average in Michigan, Louisiana, 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% |
With such a large range in prices, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW X5 3.0I AWD | $1,500 | $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 Shop for Affordable BMW X5 Insurance
Finding better rates on insurance for a BMW X5 not only requires being a good driver, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every year by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following list is a brief review of the coverage data presented in the illustrations above.
- Drivers can save as much as $210 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $725 each year
- Drivers age 16 to 20 are expensive to insure, as much as $503 per month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,930 more each year than a safer driver
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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