BMW X5 Insurance Cost

Auto insurance for a BMW X5 will cost about $2,468 per year.

This is more than the national average for luxury SUV models by $243. 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

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.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

BMW X5 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW X5 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $8,361 $12,278 $14,363
18 $7,792 $11,442 $13,385
19 $6,886 $10,112 $11,829
20 $6,004 $8,817 $10,314
21 $5,035 $7,394 $8,650
22 $4,904 $7,201 $8,424
23 $4,291 $6,301 $7,371
24 $4,076 $5,986 $7,003
25 $3,518 $5,166 $6,043
30 $2,740 $4,024 $4,708
35 $2,567 $3,769 $4,409
40 $2,468 $3,625 $4,240
45 $2,402 $3,527 $4,126
55 $2,203 $3,235 $3,784
65 $2,298 $3,374 $3,947
75 $2,900 $4,259 $4,982

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 $2,615 $3,799 $4,835
Alaska $2,163 $2,999 $2,915
Arizona $2,446 $3,536 $5,209
Arkansas $2,681 $4,213 $4,639
California $2,985 $5,279 $2,985
Colorado $2,786 $3,899 $4,947
Connecticut $3,559 $5,520 $7,007
Delaware $2,947 $3,927 $5,044
Florida $3,508 $4,854 $6,325
Hawaii $1,143 $1,551 $1,143
Idaho $1,985 $2,631 $3,199
Illinois $2,078 $3,141 $3,581
Indiana $2,135 $3,263 $3,662
Iowa $1,691 $2,319 $2,727
Kansas $2,249 $3,273 $3,828
Kentucky $3,252 $4,773 $5,637
Louisiana $4,174 $6,310 $6,842
Maine $1,579 $2,182 $3,221
Maryland $2,554 $3,718 $4,129
Massachusetts $2,048 $3,574 $2,048
Michigan $4,943 $7,533 $11,882
Minnesota $2,035 $2,713 $3,821
Mississippi $2,456 $3,504 $3,527
Missouri $2,315 $3,309 $4,347
Montana $2,353 $3,284 $3,822
Nebraska $1,989 $2,942 $3,196
Nevada $3,281 $4,867 $5,141
New Hampshire $2,282 $3,609 $4,563
New Jersey $2,515 $3,945 $5,163
New Mexico $2,568 $3,820 $3,965
New York $2,379 $2,995 $5,000
North Carolina $1,475 $2,533 $1,807
North Dakota $2,018 $3,067 $3,627
Ohio $1,799 $2,775 $2,845
Oklahoma $2,873 $4,114 $4,632
Oregon $2,614 $3,508 $4,190
Pennsylvania $2,202 $3,233 $3,783
Rhode Island $3,677 $5,393 $6,073
South Carolina $2,497 $3,461 $4,776
South Dakota $2,240 $3,228 $3,725
Tennessee $2,635 $3,879 $5,165
Texas $2,653 $3,833 $4,768
Utah $2,257 $3,163 $4,352
Vermont $1,737 $2,676 $2,828
Virginia $1,637 $2,513 $2,463
Washington $2,167 $2,941 $3,512
West Virginia $2,180 $3,122 $3,912
Wisconsin $2,173 $3,393 $3,870
Wyoming $2,029 $2,841 $3,025
Georgia $2,860 $4,277 $4,313

BMW X5 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW X5 ranks for Insurance compared to other vehicles. Also check out how the X5 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW X5 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW X5 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: