Best BMW X5 Car Insurance Quotes (2024)
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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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
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Frequently Asked Questions
What is BMW X5 car insurance?
BMW X5 car insurance is a type of insurance that provides coverage for the BMW X5 model. It offers financial protection against damages, theft, accidents, and other incidents that may occur while driving the car.
How do I find the best BMW X5 car insurance quotes for 2023?
The best way to find the best BMW X5 car insurance quotes is to compare quotes from multiple insurance companies. You can use online comparison tools to get quotes from different insurance providers and compare them based on coverage, premiums, and other factors.
What type of coverage do I need for my BMW X5?
The type of coverage you need for your BMW X5 will depend on several factors, including your budget, driving habits, and the car’s value. Generally, you will need liability coverage to protect against damages or injuries you cause to other people or their property. You may also want to consider collision coverage, which covers damages to your car in the event of a collision, and comprehensive coverage, which covers non-collision incidents such as theft or vandalism.
How can I save money on BMW X5 car insurance?
There are several ways to save money on BMW X5 car insurance, including:
- Increase your deductible
- Bundle your car insurance with other policies like homeowners or renters insurance
- Take advantage of discounts for safe driving, low mileage, or anti-theft devices
- Shop around and compare quotes from multiple insurance providers
Are BMW X5 car insurance premiums more expensive than other SUVs?
BMW X5 car insurance premiums may be more expensive than insurance for other SUVs, as it is a luxury vehicle with a higher value and more expensive parts. However, insurance rates can vary depending on several factors, including your location, driving record, and insurance provider.
Do I need to purchase additional insurance if I lease my BMW X5?
If you lease your BMW X5, you may be required to purchase additional insurance coverage to meet the leasing company’s requirements. This may include gap insurance, which covers the difference between the value of the car and the amount you owe on your lease if the car is totaled or stolen.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.