BMW X5 Car Insurance Cost 2025
The average annual cost to insure a BMW X5 is approximately $2,016. However, the actual amount you’ll pay depends on several factors, including your age, the model year of your BMW X5, your location, and other individual considerations. To get a more precise estimate tailored to your profile, refer to the quote tables provided below.
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. On average, insurance for a BMW X5 costs $2,016 per year.
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 A BMW X5 Car Insurance Cost?
Typically, BMW X5 drivers can secure car insurance at an average annual rate of $2,573.
The cost of car insurance can vary significantly depending on various factors, such as your location, driving history, car model year, and the coverage options you choose. A clean driving record can help you secure lower premiums, while a history of accidents or traffic violations may increase costs.
Urban areas with heavy traffic often have higher insurance rates compared to rural regions with less congestion. Additionally, comprehensive insurance, which includes both collision and non-collision damage, is generally more expensive than minimum liability coverage.
For BMW X5 drivers, insurance costs are typically lower than the average for all BMW models but higher than the average for all cars. To find the best rates for your needs, you can use Insuranceopedia to compare quotes from various providers and secure the most competitive deal.
| Vehicle | Average Monthly Premium |
| BMW X5 | $183 |
| All BMWs | $206 |
| All Cars | $175 |
Average Insurance Cost Of BMW X5 By Model Year
| Model Year | Average Premium |
| 2024 BMW X5 | $1,493 |
| 2023 BMW X5 | $1,764 |
| 2022 BMW X5 | $1,709 |
| 2021 BMW X5 | $1,041 |
| 2020 BMW X5 | $1,185 |
| 2019 BMW X5 | $1,144 |
| 2018 BMW X5 | $847 |
| 2017 BMW X5 | $888 |
| 2016 BMW X5 | $953 |
| 2015 BMW X5 | $949 |
| 2014 BMW X5 | $1,015 |
| 2013 BMW X5 | $857 |
| 2012 BMW X5 | $1,227 |
| 2011 BMW X5 | $1,045 |
| 2010 BMW X5 | $967 |
2024 BMW X5 Insurance Rates
The average annual insurance cost for a 2024 BMW X5 is $1,493. However, Direct Auto offers the cheapest rates, averaging $1,071 per year.
| 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
The average annual insurance cost for a 2023 BMW X5 is $1,764. However, National General offers the cheapest rates, averaging $750 per year.
| 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
The average annual insurance cost for a 2022 BMW X5 is $1,709. However, Direct Auto offers the cheapest rates, averaging $1,110 per year.
| 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
The average annual insurance cost for a 2021 BMW X5 is $1,041. However, Safeco offers the cheapest rates, averaging $119 per year.
| 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
The average annual insurance cost for a 2020 BMW X5 is $1,185. However, American National P offers the cheapest rates, averaging $638 per year.
| 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
The average annual insurance cost for a 2019 BMW X5 is $1,144. However, Safeco offers the cheapest rates, averaging $261 per year.
| 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
The average annual insurance cost for a 2018 BMW X5 is $847. However, American National P offers the cheapest rates, averaging $331 per year.
| 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
The average annual insurance cost for a 2017 BMW X5 is $888. However, Mercury Insurance offers the cheapest rates, averaging $173 per year.
| 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
The average annual insurance cost for a 2016 BMW X5 is $953. However, Safeco offers the cheapest rates, averaging $354 per year.
| 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
The average annual insurance cost for a 2015 BMW X5 is $949. However, Safeco offers the cheapest rates, averaging $320 per year.
| 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
The average annual insurance cost for a 2014 BMW X5 is $1,015. However, Safeco offers the cheapest rates, averaging $296 per year.
| 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
The average annual insurance cost for a 2013 BMW X5 is $857. However, Safeco offers the cheapest rates, averaging $267 per year.
| 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
The average annual insurance cost for a 2012 BMW X5 is $1,227. However, Safeco offers the cheapest rates, averaging $330 per year.
| 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
The average annual insurance cost for a 2011 BMW X5 is $1,045. However, Safeco offers the cheapest rates, averaging $310 per year.
| 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
The average annual insurance cost for a 2010 BMW X5 is $967. However, Safeco offers the cheapest rates, averaging $451 per year.
| 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 BMW X5 Insurance Rates
Is A BMW X5 Expensive To Insure?
The cost of insuring a BMW X5 is typically higher than the average for all cars. However, your specific premium will depend on several factors, including your age, the age of your vehicle, your location, and other personal details. By considering these variables, insurers determine the level of risk and adjust your rate accordingly.
Cost of BMW X5 Car Insurance By Age
Age is a key factor in determining vehicle insurance rates. Teenagers generally face the highest premiums due to their increased likelihood of being involved in accidents. As drivers age and gain experience, their insurance premiums typically decrease because they are considered lower-risk by insurers.
| 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
Your location significantly impacts how insurance companies calculate rates. Each state sets its own auto insurance regulations, which can lead to variations in costs. For instance, Michigan drivers often face higher premiums due to the state’s requirement for more comprehensive coverage.
Local climate conditions also play a role; areas prone to extreme weather like hurricanes, storms, or flooding may result in higher rates. Additionally, factors such as crime statistics, car theft rates, and accident frequency in your area influence insurance costs. Insurers assess all these elements to determine the exact premium for your BMW X5.
| 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 |
Find Affordable BMW X5 Insurance Rates
Cheapest Car Insurance Companies For A BMW X5
If you’re considering purchasing a new car insurance policy for your BMW X5, finding the most affordable provider is essential. Hugo offers a competitive rate of $22 per month, making them one of the cheapest options for BMW X5 insurance. However, it’s important to note that insurance rates can vary depending on individual factors like your driving history, location, and coverage needs.
To ensure you get the best rate tailored to your profile, shopping around and comparing quotes from multiple insurers is the most effective strategy.
| Company | Average Monthly Rate |
| Hugo | $22 |
| Mapfre | $45 |
| MetLife | $34 |
| Shelter Mutual | $45 |
| NationalGeneral | $40 |
Common BMW X5 Insurance Discounts
Discounts are an excellent way to reduce the cost of insuring your BMW X5. Most auto insurance providers offer various discounts that you can take advantage of. Here are a few common ones to consider:
- Multi-policy: Bundling your home and auto insurance policies with the same provider can result in a reduced rate.
- Pay annually: Opting to pay your premium in full upfront instead of monthly installments often qualifies you for a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for lower insurance premiums.
There are additional discounts you might qualify for, depending on your insurer. Speak with your insurance agent to explore all possible savings opportunities tailored to your profile.
Ways To Save On BMW X5 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to reduce your BMW X5 insurance costs. A single speeding ticket or accident can lead to higher premiums. Drivers with a ticket on their record typically pay around $102 per month, while those with multiple accidents face an average cost of $147 per month. Avoiding violations and accidents not only keeps your rates lower but also demonstrates responsible driving behavior.
Additionally, annual mileage significantly impacts your insurance rates. Low-mileage drivers, covering between 5,000 and 7,500 miles per year, pay an average of $90 per month, while high-mileage drivers, exceeding 10,000 miles per year, see an average cost of $97 per month. Reducing your time on the road and maintaining a good driving record can help keep your insurance premiums affordable.
Compare BMW X5 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used for the calculations was a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It's important to note that these figures are averages and your actual insurance costs may differ based on various personal factors.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW X5?
Yes, before you can drive your BMW X5 off the dealership lot, you’ll need to provide proof of insurance. It’s best to purchase an insurance policy in advance and notify your insurer that you’re about to buy the car. This way, you can ensure you’re covered from the moment you drive it, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your BMW X5?
The best way to find the cheapest rates for your BMW X5 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia provides a convenient platform that allows you to compare quotes from multiple providers directly on our website, helping you find the best deal for your needs.
