BMW X5 Insurance Cost
Auto insurance for a BMW X5 will cost about $2,319 per year.
This is more than the national average for luxury SUV models by $252. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.
Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW X5. Visit our Competitive Quote Tool to see if you can find lower rates for a X5.
These BMW X5 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.
BMW X5 insurance Cost
Age | Good Driver | Recent Accident | Poor Credit |
---|---|---|---|
17 | $7,855 | $11,700 | $13,831 |
18 | $7,321 | $10,904 | $12,889 |
19 | $6,470 | $9,636 | $11,391 |
20 | $5,641 | $8,402 | $9,932 |
21 | $4,731 | $7,046 | $8,329 |
22 | $4,607 | $6,862 | $8,112 |
23 | $4,031 | $6,004 | $7,098 |
24 | $3,830 | $5,704 | $6,743 |
25 | $3,305 | $4,923 | $5,819 |
30 | $2,575 | $3,835 | $4,533 |
35 | $2,411 | $3,592 | $4,246 |
40 | $2,319 | $3,454 | $4,083 |
45 | $2,257 | $3,361 | $3,973 |
55 | $2,070 | $3,083 | $3,644 |
65 | $2,159 | $3,216 | $3,801 |
75 | $2,725 | $4,059 | $4,798 |
BMW X5 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW X5 by state.
BMW X5 Insurance Rates by State
State | Good Driver | Recent Accident | Poor Credit |
---|---|---|---|
Alabama | $2,457 | $3,442 | $4,308 |
Alaska | $2,032 | $2,960 | $3,102 |
Arizona | $2,298 | $3,564 | $5,082 |
Arkansas | $2,519 | $3,816 | $4,269 |
California | $2,805 | $4,906 | $2,805 |
Colorado | $2,617 | $3,624 | $4,520 |
Connecticut | $3,344 | $5,170 | $6,622 |
Delaware | $2,768 | $3,812 | $5,060 |
Florida | $3,296 | $4,477 | $5,837 |
Georgia | $2,687 | $4,142 | $4,250 |
Hawaii | $1,073 | $1,482 | $1,073 |
Idaho | $1,865 | $2,510 | $3,125 |
Illinois | $1,952 | $2,885 | $3,346 |
Indiana | $2,005 | $3,134 | $3,657 |
Iowa | $1,589 | $2,383 | $2,777 |
Kansas | $2,113 | $3,111 | $3,686 |
Kentucky | $3,055 | $4,595 | $5,405 |
Louisiana | $3,922 | $5,994 | $6,453 |
Maine | $1,483 | $1,989 | $2,903 |
Maryland | $2,400 | $3,519 | $4,155 |
Massachusetts | $1,925 | $3,255 | $1,925 |
Michigan | $4,644 | $6,982 | $10,736 |
Minnesota | $1,912 | $2,568 | $3,802 |
Mississippi | $2,308 | $3,486 | $3,682 |
Missouri | $2,175 | $2,995 | $3,873 |
Montana | $2,211 | $3,460 | $3,816 |
Nebraska | $1,869 | $2,646 | $3,010 |
Nevada | $3,083 | $4,653 | $5,105 |
New Hampshire | $2,144 | $3,456 | $4,401 |
New Jersey | $2,363 | $3,725 | $4,805 |
New Mexico | $2,413 | $3,472 | $3,899 |
New York | $2,235 | $2,910 | $4,698 |
North Carolina | $1,385 | $2,237 | $1,724 |
North Dakota | $1,896 | $2,918 | $3,704 |
Ohio | $1,690 | $2,764 | $2,864 |
Oklahoma | $2,699 | $4,053 | $4,597 |
Oregon | $2,456 | $3,710 | $4,256 |
Pennsylvania | $2,069 | $3,129 | $3,591 |
Rhode Island | $3,454 | $5,301 | $6,062 |
South Carolina | $2,346 | $3,395 | $4,844 |
South Dakota | $2,105 | $2,896 | $3,474 |
Tennessee | $2,475 | $3,703 | $4,672 |
Texas | $2,493 | $3,669 | $4,605 |
Utah | $2,120 | $3,066 | $4,229 |
Vermont | $1,632 | $2,610 | $2,853 |
Virginia | $1,538 | $2,315 | $2,460 |
Washington | $2,036 | $3,058 | $3,606 |
West Virginia | $2,048 | $2,983 | $3,683 |
Wisconsin | $2,042 | $2,981 | $3,620 |
Wyoming | $1,906 | $2,801 | $3,132 |
Other Important Costs of Owning a BMW X5
Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW X5 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.
Already decided on buying a BMW X5? We have millions of new and used vehicles listed. Here are some BMW models for sale in your area.
Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.