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BMW X5 Insurance Cost [List of Money Saving Tips]

BMW X5 insurance cost averages $144/mo for full coverage, but you can find cheaper rates with a used vehicle, as 2013 BMW X5 insurance rates are less than a 2019 or 2020 model. Use our free online quote comparison tool to shop around for the cheapest BMW X5 insurance coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Aug 18, 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 $205 more per year than the average vehicle with full coverage costing approximately $1,724 a year or $144 a month. Good drivers can save up to $711 a year in policy discounts. Let’s dig into BMW X5 insurance rates, safety ratings, and more.

You can compare car insurance 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 Kia Telluride, Subaru Forester, and Toyota Sequoia.

Vehicle Comprehensive Collision Liability Total
BMW X5 $444 $750 $372 $1,724
Kia Telluride $376 $688 $316 $1,516
Subaru Forester $346 $512 $332 $1,326
Toyota Sequoia $332 $566 $398 $1,454
Honda Passport $362 $656 $316 $1,470
Volkswagen Atlas $358 $690 $390 $1,596
Audi Q7 $394 $714 $398 $1,664

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?

Even though the average annual rate for the BMW X5 is $1,724, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your BMW X5.

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

Driver Age

Driver age can have a significant effect on BMW X5 car insurance rates. For example, 30-year-old drivers pay $76 more for BMW X5 car 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 Houston may pay $1,271 a year more than drivers in Columbus.

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 car insurance rates are tied to the safety ratings of the BMW X5. 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

BMW X5 Crash Test Ratings

BMW X5 crash test ratings can impact your BMW X5 car insurance rates. See BMW X5 crash test results below:

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

BMW X5 Safety Features

BMW X5 safety features can lower the cost of your insurance. The safety features for the 2020 BMW X5 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

Another contributing factor that plays a direct role in BMW X5 insurance rates is the loss probability for 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

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

Although it may seem like your BMW X5 car insurance rates are set, there are a few measures that you can take to secure the best BMW X5 car insurance rates possible. Take a look at the following five ways to save on BMW X5 auto insurance.

  • Use a Service Like Turo to Rent Out Your BMW X5
  • Park Your BMW X5 Somewhere Safe – like a Garage or Private Driveway
  • Take Public Transit Instead of Driving Your BMW X5
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Provide Your BMW X5 VIN When Requesting BMW X5 Auto Insurance Quotes

Top BMW X5 Insurance Companies

Who is the best 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

Compare Free BMW X5 Insurance Quotes Online

While we can’t help you with BMW X5 insurance cost in the UK or India, we can help you find cheap BMW X5 insurance in the U.S. Whether you’re wondering about 2008 BMW X5 insurance costs, or 2013, 2015, 2019 BMW X5 insurance costs, we can get you fast quotes.

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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