How Much is Insurance on a BMW X5? [Rates + Comparison Guide]

If you want to buy inexpensive BMW X5 insurance coverage then you should know that a policy will cost $144 per month ($1,724 per year) on average. Teens pay the highest rates at up to $6,301 a year, while good drivers may only pay $1,013.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,724 a year or $144 each month
  • A liability-only policy costs around $691 a year or $58 each month
  • Highest rates are for teenage drivers at around $6,301 a year or $525 each month
  • Good drivers can save as much as $711 a year by earning policy discounts
  • BMW X5 insurance costs around $205 more per year than the average vehicle

BMW X5 insurance rates are more expensive. BMW X5 insurance costs around $205 more per year than the average vehicle. However, finding cheap BMW X5 insurance rates is possible if you know the best ways to save. We cover the critical factors that determine your BMW X5 insurance rates, from your driving record to crash test ratings.

You can start comparing quotes for BMW X5 car insurance rates from some of the best car insurance companies by using our free online tool now.

BMW X5 Insurance Cost

The average BMW X5 auto insurance rates are $1,724 a year or $144 a month.

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Are BMW X5s Expensive to Insure?

The chart below details how BMW X5 insurance rates compare to other SUVs like the Jeep Wrangler, Chevrolet Tahoe, and GMC Yukon.

Vehicle Comprehensive Collision Liability Total
BMW X5 $444 $750 $372 $1,724
Jeep Wrangler $280 $376 $420 $1,256
Chevrolet Tahoe $336 $532 $372 $1,398
GMC Yukon $376 $594 $372 $1,500
Dodge Durango $348 $562 $372 $1,440
Jeep Compass $294 $500 $372 $1,324
Chevrolet Suburban $336 $532 $372 $1,398
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However, there are a few things you can do to find the cheapest BMW insurance rates online.

What Impacts the Cost of BMW X5 Insurance?

The BMW X5 trim and model you choose can impact the total price you will pay for BMW X5 insurance coverage.

Age of the Vehicle

Older BMW X5 models generally cost less to insure. For example, car insurance for a 2020 BMW X5 costs $1,724, while 2010 BMW X5 insurance costs are $1,344, a difference of $380.

Model Year Comprehensive Collision Liability Total
2020 BMW X5 $444 $750 $372 $1,724
2019 BMW X5 $424 $720 $390 $1,692
2018 BMW X5 $406 $714 $398 $1,676
2017 BMW X5 $394 $698 $416 $1,666
2016 BMW X5 $380 $668 $430 $1,636
2015 BMW X5 $358 $646 $442 $1,604
2014 BMW X5 $344 $598 $452 $1,552
2013 BMW X5 $332 $564 $456 $1,510
2012 BMW X5 $318 $506 $460 $1,442
2011 BMW X5 $296 $466 $460 $1,380
2010 BMW X5 $286 $436 $464 $1,344
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Driver Age

Driver age can have a significant effect on BMW X5 car insurance rates. For example, 20-year-old drivers pay $2,108 more for their BMW X5 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on BMW X5 insurance rates. For example, drivers in Los Angeles may pay $638 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of BMW X5 auto insurance. Teens and drivers in their 20’s see the highest jump in their BMW X5 auto insurance rates with violations on their driving record.

BMW X5 Safety Ratings

Your BMW X5 auto insurance rates are tied to the BMW X5’s safety ratings. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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BMW X5 Crash Test Ratings

BMW X5 crash test ratings will affect your BMW X5 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X5 SUV AWD 4 stars 4 stars 5 stars 4 stars
2020 BMW X5 M SUV AWD N/R N/R N/R N/R
2019 BMW X5 SUV AWD 4 stars 4 stars 5 stars 4 stars
2018 BMW X5 SUV RWD 5 stars 5 stars 5 stars 4 stars
2018 BMW X5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 BMW X5 PHEV SUV AWD N/R N/R N/R N/R
2018 BMW X5 M SUV AWD N/R N/R N/R N/R
2017 BMW X5 SUV RWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X5 PHEV SUV AWD N/R N/R N/R N/R
2017 BMW X5 M SUV AWD N/R N/R N/R N/R
2016 BMW X5 SUV RWD 5 stars 5 stars 5 stars 4 stars
2016 BMW X5 SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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BMW X5 Safety Features

Good BMW X5 safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 BMW X5 are:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Night Vision
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

BMW X5 Insurance Loss Probability

The lower percentage means lower BMW X5 car insurance rates; higher percentages mean higher BMW X5 auto insurance rates. Insurance loss probability on the BMW X5 fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 31%
Property Damage 10%
Comprehensive 53%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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BMW X5 Finance and Insurance Cost

If you are financing a BMW X5, most lenders will require your carry higher BMW X5 coverage options including comprehensive coverage, so be sure to shop around and compare BMW X5 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on BMW X5 Insurance

Save more on your BMW X5 car insurance rates. Take a look at the following five strategies that will get you the best BMW X5 auto insurance rates possible.

  • Take Public Transit Instead of Driving Your BMW X5
  • Understand that Your Insurer Can Change Your BMW X5 Auto Insurance Rates Mid-Term for Other Reasons
  • Ask About Loyalty Discounts
  • Buy a BMW X5 with an Anti-Theft Device
  • Purchase a Roadside Assistance Program for Your BMW X5

Top BMW X5 Insurance Companies

Who is the top auto insurance company for BMW X5 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW X5 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the BMW X5 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Save on your BMW X5 car insurance rates by taking advantage of our FREE comparison tool.

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