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.
Estimated insurance rates for a BMW X5 are $1,692 a year including full coverage. Comprehensive costs around $424 each year, collision costs $720, and liability coverage costs around $390. A policy with only liability insurance costs as low as $452 a year, with a high-risk policy costing around $3,648. Teenage drivers pay the most at $6,050 a year or more.
Average premium for full coverage: $1,692
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and X5 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a BMW X5 go from as low as $452 for just the minimum liability insurance to a high rate of $3,648 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and risk profile, 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 Analysis
The chart below breaks down estimated BMW X5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $960
- Using higher $1,000 deductibles will save about $260 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,692
- Using low deductibles for physical damage coverage will increase the cost to $2,196
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,648 or more
- An auto insurance policy for full coverage for a teenage driver can be $6,050 or more
Car insurance prices for a BMW X5 also have a wide range based on your driving characteristics, the model of your X5, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $6,000 a year. View Rates by Age
Where you choose to live has a huge impact on BMW X5 insurance rates. A driver around age 40 might see prices as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,420 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut prices by as much as $770 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can be around 45% to 132% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 | $1,520 | $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 Find Cheap BMW X5 Insurance
Finding better rates on auto insurance requires having a good driving record, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $210 per year simply by quoting online in advance
- Drivers that tend to have accidents or serious violations pay on average $1,960 more every year to buy BMW X5 insurance
- Increasing policy deductibles can save around $775 each year
- Drivers age 20 and younger are the costliest to insure, with the cost nearing $504 per month if full coverage is included
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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