BMW X5 Insurance Cost

Auto insurance for a BMW X5 will cost about $1,902 per year.

This is more than the national average for luxury SUV models by $115. 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 $6,442 $9,459 $11,066
18 $6,004 $8,816 $10,313
19 $5,306 $7,791 $9,114
20 $4,626 $6,793 $7,947
21 $3,880 $5,697 $6,664
22 $3,778 $5,548 $6,490
23 $3,306 $4,854 $5,679
24 $3,141 $4,612 $5,395
25 $2,710 $3,980 $4,656
30 $2,111 $3,100 $3,627
35 $1,978 $2,904 $3,397
40 $1,902 $2,793 $3,267
45 $1,851 $2,718 $3,179
55 $1,697 $2,492 $2,916
65 $1,770 $2,600 $3,041
75 $2,235 $3,281 $3,839

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 $2,015 $2,927 $3,725
Alaska $1,667 $2,310 $2,246
Arizona $1,884 $2,724 $4,013
Arkansas $2,066 $3,246 $3,574
California $2,300 $4,068 $2,300
Colorado $2,147 $3,004 $3,811
Connecticut $2,742 $4,253 $5,399
Delaware $2,270 $3,026 $3,886
Florida $2,703 $3,740 $4,873
Georgia $2,204 $3,295 $3,323
Hawaii $880 $1,195 $880
Idaho $1,529 $2,027 $2,465
Illinois $1,601 $2,420 $2,759
Indiana $1,645 $2,514 $2,821
Iowa $1,303 $1,787 $2,101
Kansas $1,733 $2,522 $2,949
Kentucky $2,505 $3,678 $4,343
Louisiana $3,216 $4,862 $5,271
Maine $1,216 $1,681 $2,482
Maryland $1,968 $2,864 $3,182
Massachusetts $1,578 $2,753 $1,578
Michigan $3,809 $5,804 $9,155
Minnesota $1,568 $2,090 $2,944
Mississippi $1,893 $2,700 $2,717
Missouri $1,783 $2,550 $3,349
Montana $1,813 $2,530 $2,945
Nebraska $1,533 $2,267 $2,462
Nevada $2,528 $3,750 $3,961
New Hampshire $1,759 $2,781 $3,515
New Jersey $1,938 $3,040 $3,978
New Mexico $1,979 $2,943 $3,055
New York $1,833 $2,308 $3,852
North Carolina $1,136 $1,952 $1,392
North Dakota $1,555 $2,363 $2,794
Ohio $1,386 $2,138 $2,192
Oklahoma $2,214 $3,170 $3,569
Oregon $2,014 $2,703 $3,228
Pennsylvania $1,697 $2,491 $2,915
Rhode Island $2,833 $4,155 $4,679
South Carolina $1,924 $2,666 $3,680
South Dakota $1,726 $2,487 $2,870
Tennessee $2,030 $2,988 $3,980
Texas $2,044 $2,953 $3,674
Utah $1,739 $2,437 $3,353
Vermont $1,339 $2,062 $2,179
Virginia $1,261 $1,936 $1,898
Washington $1,669 $2,266 $2,706
West Virginia $1,680 $2,405 $3,014
Wisconsin $1,675 $2,614 $2,982
Wyoming $1,563 $2,189 $2,331

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: