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 insurance rates for a BMW X5 are $1,692 a year for full coverage insurance. Comprehensive costs an estimated $424 each year, collision insurance costs $720, and liability costs around $390. Liability-only coverage costs as low as $452 a year, and high-risk coverage costs around $3,648. 16-year-old drivers pay the most at up to $6,050 a year.
Average premium for full coverage: $1,692
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and X5 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW X5 range from as low as $452 for basic liability insurance to a high rate of $3,648 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how location helps determine insurance prices.
These rate differences illustrate why all drivers should compare prices for a targeted area and risk profile, instead of using rate 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.
Rate Comparisons
The chart below illustrates average BMW X5 insurance rates for other coverage scenarios.
- The best full coverage rate is $960
- Using higher $1,000 deductibles will save approximately $260 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,692
- Buying low deductibles for physical damage coverage will increase the cost to $2,196
- Drivers with multiple tickets or accidents could pay up to $3,648
- An auto insurance policy for full coverage for a teen driver can cost as much as $6,050 or more
Insurance prices for a BMW X5 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $6,000 a year. View Rates by Age
Where you choose to live has a huge impact on BMW X5 insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,290 on average in Florida, 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% |
Opting for high physical damage deductibles could cut prices by as much as $770 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than the average rate. View High Risk Driver Rates
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 More Affordable BMW X5 Insurance
Finding better rates on car insurance requires avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who have multiple accidents or major violations pay on average $1,960 more annually to insure a BMW X5
- It is possible to save approximately $210 per year just by quoting online in advance
- Increasing policy deductibles can save around $775 each year
- Policyholders who want increased liability limits will pay around $430 annually to increase from 30/60 bodily injury limits to 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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