How Much are BMW X5 Insurance Rates? [How to Find Cheap Rates]

If you want to buy affordable BMW X5 insurance coverage then you should know that a policy will cost $144 per month ($1,724 per year) on average. You can find cheap BMW X5 insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $1,013 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 22, 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

When the time comes to figure out how much BMX X5 car insurance rates are going to cost, you may not know where to begin. As a starting point, you should be aware that BMW X5 insurance rates cost an average of $1,724 per year, or $144 a month. This article will walk you through how BMW X5 rates are calculated so you are firmly in the driver’s seat when considering a policy.

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 car insurance costs 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 Dodge Journey, Ford Edge, and BMW X3.

Vehicle Comprehensive Collision Liability Total
BMW X5 $444 $750 $372 $1,724
Dodge Journey $322 $532 $372 $1,384
Ford Edge $266 $500 $372 $1,296
BMW X3 $376 $656 $372 $1,562
Buick Encore $322 $562 $372 $1,414
Chevrolet Traverse $336 $470 $316 $1,258
GMC Yukon $376 $594 $372 $1,500
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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, auto 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 impact on the cost of BMW X5 auto insurance. For example, 20-year-old drivers pay as much as $2,184 more each year for their BMW X5 auto insurance than 40-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 $1,483 a year more than drivers in Indianapolis.

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 car insurance with violations on their driving record.

BMW X5 Safety Ratings

Your BMW X5 auto insurance rates are influenced by 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

Poor BMW X5 crash test ratings could mean higher 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

Having a variety of safety features on your BMW X5 can help lower your insurance costs. According to AutoBlog, the 2020 BMW X5’s safety features include:

  • 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 BMW X5’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the BMW X5, others are more favorable and lead to lower insurance rates.

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, you will pay more if you purchase BMW X5 car insurance at the dealership, so be sure to shop around and compare BMW X5 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on BMW X5 Insurance

You have more options at your disposal to save money on your BMW X5 car insurance costs. For example, try these five tips:

  • Tell Your Insurer About Different Drivers or Uses for Your BMW X5
  • Move to an Area with a Lower Cost of Living
  • Choose Automatic Payments or EFT for Your BMW X5 Insurance Policy
  • Ask About Discounts for People with Disabilities
  • Make Sure You’re Raising a Safe Driver

Top BMW X5 Insurance Companies

The best auto insurance companies for BMW X5 car insurance rates will offer competitive rates, discounts, and account for the BMW X5’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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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