BMW X5 Insurance Rates
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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 prices for a BMW X5 are $1,692 every 12 months with full coverage. Comprehensive insurance costs approximately $424 a year, collision costs $720, and liability insurance is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing $3,648 or more. Teen drivers receive the highest rates at $6,050 a year or more.
Average premium for full coverage: $1,692
Rate estimates by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and X5 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $452 for minimum levels of liability insurance to a high of $3,648 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why it is important to get quotes using their specific location and their own driving history, 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.
Additional Rate Details
The chart below details estimated BMW X5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $960
- Choosing higher $1,000 deductibles can save $1,432 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,692
- Choosing low $100 deductibles for comp and collision coverage costs an extra $504 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,648 or more
- The cost to insure a teen driver can cost $6,050 each year
Car insurance rates for a BMW X5 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your X5.
Choosing high deductibles can save as much as $770 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $6,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 132% more than average. View High Risk Driver Rates
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 $1,220 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,290 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, 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 | $1,520 | $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.
| 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 Shop for the Best Cheap BMW X5 Insurance
Saving money on BMW X5 insurance takes being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a quick review of the data covered in the above illustrations.
- Drivers who purchase more liability coverage will pay about $430 every year to raise limits from a minimum limit to a 250/500 level
- You may be able to save around $210 per year simply by quoting early and online
- Increasing deductibles could save as much as $775 each year
- Teen drivers pay the highest auto insurance rates, with premiums as much as $504 per month if the policy includes full coverage
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 | $6,050 |
| 20 | $3,872 |
| 30 | $1,782 |
| 40 | $1,692 |
| 50 | $1,542 |
| 60 | $1,510 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,196 |
| $250 | $1,964 |
| $500 | $1,692 |
| $1,000 | $1,432 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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