BMW X5 Insurance Rates
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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 auto insurance rates for a BMW X5 are $1,692 annually including full coverage. Comprehensive insurance costs an estimated $424, collision costs $720, and liability costs $390. A liability-only policy costs as little as $452 a year, with high-risk insurance costing $3,648 or more. Teenage drivers pay the most at $6,050 a year or more.
Average premium for full coverage: $1,692
Premium estimates broken down by type of coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different X5 trim levels.
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 cheap as $452 for your basic liability-only policy to a much higher rate of $3,648 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on 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.
More Rate Information
The chart below breaks down estimated BMW X5 insurance rates for other coverage scenarios.
- The best discount rate is $960
- Drivers who choose higher $1,000 deductibles will pay approximately $260 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,692
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $504 annually
- Drivers who are prone to accidents and violations could pay up to $3,648 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $6,050 a year
Auto insurance prices for a BMW X5 also have a wide range based on the model of your X5, your driving characteristics, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $6,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $2,000 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $770 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in BMW X5 insurance prices. A 40-year-old driver could pay as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,420 on average in Louisiana, New York, and Michigan.
| 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 such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different between companies.
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 Buy Cheap BMW X5 Insurance
Finding better rates on insurance for a BMW X5 not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least every other year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a brief summary of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,960 more annually than a low-risk driver
- You may be able to save approximately $210 per year simply by shopping early and online
- Increasing policy deductibles could save up to $775 each year
- Insureds who want more liability protection will pay an extra $430 per year to go from 30/60 bodily injury limits to higher 250/500 limits
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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