BMW X5 Car Insurance Cost
To insure a BMW X5, typically costs about $1,071 annually through Direct Auto. However, actual costs can vary based on factors like age, the model year of the car, and other considerations. You can utilize our quote tables below to get an accurate estimate of your insurance expenses.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a BMW X5, you’ll need to factor in the cost of insurance. Insurance is a crucial aspect of owning a car, and it’s essential to understand what you’re getting into before making a purchase.
Choosing the right car insurance policy is vital to avoid unexpected and potentially high expenses in the future. You don’t want to be caught with insufficient coverage in the event of an accident, which could leave you facing significant out-of-pocket costs. Additionally, if you’re at fault in an accident, you might see your premiums rise.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as age, driving history, and location can all have a significant impact on insurance premiums.
How Much Does BMW X5 Car Insurance Cost?
Typically, Direct Auto provides the most competitive price, averaging $1,071 annually for full coverage insurance on a 2024 BMW X5.
While Direct Auto’s pricing sets a good standard, it’s essential to recognize that car insurance expenses can fluctuate significantly based on various factors. These factors comprise your location, driving history, your vehicle’s model year, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a record of accidents or traffic violations can drive up your expenses.
Moreover, residing in urban areas with heavy traffic might lead to higher rates compared to rural locales with less congestion. The type of coverage you opt for will also influence your premium. Full coverage insurance, encompassing comprehensive and collision coverage, generally carries a higher cost than minimum liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring you secure the most advantageous deal.
2024 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mutual Of Enumclaw | $1,877 |
| Bristol West | $1,966 |
| California Capital | $1,608 |
| PEMCO | $1,584 |
| Capital Insurance Group | $1,082 |
| Safeco | $1,190 |
| Unigard | $1,308 |
| Direct Auto | $1,071 |
| Oregon Mutual | $1,491 |
| Mercury | $1,756 |
2023 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Auto-Owners Insurance Co | $2,163 |
| Mercury | $2,170 |
| USAA | $2,244 |
| Capital Insurance Group | $1,165 |
| Oregon Mutual | $1,839 |
| Dairyland | $1,151 |
| PEMCO | $2,062 |
| National General | $750 |
| California Capital | $2,081 |
| Kemper Auto | Infinity | $2,010 |
2022 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $2,077 |
| Texas Farm Bureau Group | $1,589 |
| California Capital | $2,098 |
| NatGen Value | $1,706 |
| Unigard | $2,008 |
| Direct Auto | $1,110 |
| Farm Bureau Mutual (IA Group) | $1,681 |
| PEMCO | $1,912 |
| Capital Insurance Group | $1,125 |
| Oregon Mutual | $1,780 |
2021 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $119 |
| West Bend Mutual | $1,134 |
| Pekin Insurance | $927 |
| Western National | $1,472 |
| Rural Mutual Insurance | $1,372 |
| SECURA Insurance | $945 |
| Virginia Farm Bureau | $1,113 |
| American National P | $628 |
| Clearcover | $1,380 |
| Texas Farm Bureau Group | $1,324 |
2020 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,213 |
| Auto-Owners Insurance Co | $1,507 |
| Farm Bureau Mutual (IA Group) | $1,224 |
| Mercury Insurance | $748 |
| Texas Farm Bureau Group | $1,272 |
| SECURA Insurance | $1,178 |
| Safeco | $883 |
| North Carolina Farm Bureau | $1,530 |
| American National P | $638 |
| Wolverine Mutual | $1,655 |
2019 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,664 |
| American National P | $557 |
| Texas Farm Bureau Group | $1,221 |
| Safeco | $261 |
| SECURA Insurance | $1,353 |
| Mercury Insurance | $1,010 |
| Southern Farm Bureau | $1,533 |
| PEMCO | $1,681 |
| Pekin Insurance | $1,051 |
| Direct Auto | $1,107 |
2018 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,000 |
| Pekin Insurance | $1,053 |
| Safeco | $628 |
| NatGen Value | $698 |
| Virginia Farm Bureau | $1,179 |
| Direct Auto | $1,369 |
| Plymouth Rock | $395 |
| Mercury Insurance | $546 |
| American National P | $331 |
| Texas Farm Bureau Group | $1,275 |
2017 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $1,146 |
| Safeco | $333 |
| Texas Farm Bureau Group | $989 |
| Kemper Auto | Infinity | $1,193 |
| Concord Group | $1,114 |
| Mercury Insurance | $173 |
| Infinity Special | $1,153 |
| American National P | $668 |
| Titan | $988 |
| Utica National Ins Group | $1,124 |
2016 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $814 |
| PEMCO | $1,182 |
| Hastings Mutual Insurance Co | $1,061 |
| Virginia Farm Bureau | $1,218 |
| American National P | $574 |
| Mississippi Farm Bureau | $1,231 |
| Capital Insurance Group | $773 |
| Safeco | $354 |
| Buckeye Insurance Group | $1,143 |
| Pekin Insurance | $1,180 |
2015 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| West Bend Mutual | $1,313 |
| Concord Group | $1,274 |
| Rural Mutual Insurance | $1,135 |
| Buckeye Insurance Group | $683 |
| Virginia Farm Bureau | $1,099 |
| MMG Insurance Company | $1,266 |
| Kemper Auto | Infinity | $801 |
| Patriot Group | $1,114 |
| Mercury Insurance | $480 |
| Safeco | $320 |
2014 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,445 |
| Capital Insurance Group | $1,425 |
| American National P | $666 |
| NatGen Value | $1,558 |
| SECURA Insurance | $1,284 |
| Dairyland Broadform | $735 |
| Safeco | $296 |
| Kemper Auto | Infinity | $1,018 |
| Dairyland Scored | $959 |
| Mercury Insurance | $761 |
2013 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| PEMCO | $1,291 |
| Mercury Insurance | $272 |
| SECURA Insurance | $1,423 |
| SafeAuto | $896 |
| Safeco | $267 |
| American National P | $943 |
| Capital Insurance Group | $994 |
| Buckeye Insurance Group | $787 |
| Kemper Personal Insurance | $772 |
| Virginia Farm Bureau | $925 |
2012 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| PEMCO | $1,301 |
| SECURA Insurance | $1,464 |
| Capital Insurance Group | $1,371 |
| New Jersey Manufacturers | $1,279 |
| Penn National | $1,656 |
| SafeAuto | $1,165 |
| Safeco | $330 |
| American National P | $785 |
| Farm Bureau Mutual (IA Group) | $1,390 |
| 21st Century | $1,524 |
2011 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Titan | $1,244 |
| Direct Auto | $1,151 |
| North Carolina Farm Bureau | $1,295 |
| Concord Group | $1,028 |
| Virginia Farm Bureau | $985 |
| Plymouth Rock Assurance | $1,150 |
| Mercury Insurance | $1,159 |
| PEMCO | $1,185 |
| National General Value | $943 |
| Safeco | $310 |
2010 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $451 |
| PEMCO | $1,036 |
| Clearcover | $1,074 |
| Texas Farm Bureau Group | $1,060 |
| SECURA Insurance | $946 |
| Pekin Insurance | $868 |
| Buckeye Insurance Group | $1,155 |
| NatGen Advantage | $1,170 |
| Capital Insurance Group | $1,131 |
| Direct Auto | $781 |
Find Affordable Rates Today
Cost of BMW X5 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $10,921 | $15,975 | $18,684 |
| 18 | $10,173 | $14,920 | $17,425 |
| 19 | $8,940 | $13,202 | $15,421 |
| 20 | $7,851 | $11,524 | $13,475 |
| 21 | $6,517 | $9,679 | $11,296 |
| 22 | $6,364 | $9,365 | $11,020 |
| 23 | $5,606 | $8,231 | $9,625 |
| 24 | $5,354 | $7,783 | $9,103 |
| 25 | $4,560 | $6,748 | $7,838 |
| 30 | $3,528 | $5,269 | $6,087 |
| 35 | $3,371 | $4,930 | $5,753 |
| 40 | $3,174 | $4,674 | $5,569 |
| 45 | $3,137 | $4,556 | $5,366 |
| 55 | $2,841 | $4,208 | $4,943 |
| 65 | $2,968 | $4,371 | $5,172 |
| 75 | $3,784 | $5,537 | $6,484 |
BMW X5 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,388 | $4,981 | $6,304 |
| Alaska | $2,836 | $3,934 | $3,776 |
| Arizona | $3,222 | $4,617 | $6,793 |
| Arkansas | $3,488 | $5,529 | $6,077 |
| California | $3,876 | $6,888 | $3,909 |
| Colorado | $3,605 | $5,051 | $6,403 |
| Connecticut | $4,671 | $7,241 | $9,101 |
| Delaware | $3,861 | $5,096 | $6,584 |
| Florida | $4,535 | $6,309 | $8,204 |
| Georgia | $3,750 | $5,529 | $5,604 |
| Hawaii | $1,511 | $2,034 | $1,471 |
| Idaho | $2,630 | $3,416 | $4,129 |
| Illinois | $2,686 | $4,133 | $4,625 |
| Indiana | $2,770 | $4,218 | $4,820 |
| Iowa | $2,239 | $3,000 | $3,537 |
| Kansas | $2,922 | $4,249 | $5,001 |
| Kentucky | $4,280 | $6,191 | $7,385 |
| Louisiana | $5,402 | $8,199 | $8,893 |
| Maine | $2,062 | $2,853 | $4,199 |
| Maryland | $3,322 | $4,862 | $5,412 |
| Massachusetts | $2,705 | $4,617 | $2,671 |
| Michigan | $6,397 | $9,780 | $15,485 |
| Minnesota | $2,621 | $3,518 | $4,967 |
| Mississippi | $3,197 | $4,603 | $4,582 |
| Missouri | $2,991 | $4,353 | $5,709 |
| Montana | $3,115 | $4,241 | $5,025 |
| Nebraska | $2,589 | $3,783 | $4,175 |
| Nevada | $4,231 | $6,328 | $6,650 |
| New Hampshire | $2,980 | $4,738 | $5,933 |
| New Jersey | $3,270 | $5,103 | $6,770 |
| New Mexico | $3,384 | $4,998 | $5,140 |
| New York | $3,127 | $3,951 | $6,554 |
| North Carolina | $1,946 | $3,293 | $2,403 |
| North Dakota | $2,621 | $4,011 | $4,756 |
| Ohio | $2,308 | $3,639 | $3,729 |
| Oklahoma | $3,739 | $5,394 | $5,998 |
| Oregon | $3,363 | $4,585 | $5,430 |
| Pennsylvania | $2,881 | $4,218 | $4,973 |
| Rhode Island | $4,784 | $7,018 | $7,925 |
| South Carolina | $3,221 | $4,482 | $6,212 |
| South Dakota | $2,874 | $4,223 | $4,823 |
| Tennessee | $3,420 | $5,062 | $6,688 |
| Texas | $3,420 | $5,028 | $6,181 |
| Utah | $2,908 | $4,125 | $5,703 |
| Vermont | $2,242 | $3,514 | $3,662 |
| Virginia | $2,118 | $3,318 | $3,204 |
| Washington | $2,824 | $3,824 | $4,541 |
| West Virginia | $2,825 | $4,068 | $5,060 |
| Wisconsin | $2,819 | $4,442 | $5,085 |
| Wyoming | $2,649 | $3,672 | $3,965 |
Compare BMW X5 To Other BMW Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
Quotes Analyzed
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Research Hours
Years Of Experience
