BMW X5 Insurance Cost

Auto insurance for a BMW X5 will cost about $1,987 per year.

This is more than the national average for luxury SUV models by $93. 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 $6,732 $9,885 $11,565
18 $6,274 $9,212 $10,777
19 $5,545 $8,142 $9,524
20 $4,835 $7,099 $8,305
21 $4,054 $5,953 $6,964
22 $3,948 $5,798 $6,783
23 $3,455 $5,073 $5,935
24 $3,282 $4,819 $5,638
25 $2,832 $4,159 $4,866
30 $2,207 $3,240 $3,790
35 $2,067 $3,035 $3,550
40 $1,987 $2,918 $3,414
45 $1,934 $2,840 $3,322
55 $1,774 $2,605 $3,047
65 $1,850 $2,717 $3,178
75 $2,335 $3,429 $4,012

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 $2,106 $3,058 $3,893
Alaska $1,742 $2,415 $2,347
Arizona $1,969 $2,847 $4,194
Arkansas $2,159 $3,392 $3,735
California $2,404 $4,251 $2,404
Colorado $2,243 $3,139 $3,983
Connecticut $2,866 $4,445 $5,642
Delaware $2,373 $3,162 $4,061
Florida $2,825 $3,908 $5,093
Georgia $2,303 $3,444 $3,472
Hawaii $920 $1,249 $920
Idaho $1,598 $2,119 $2,576
Illinois $1,673 $2,529 $2,883
Indiana $1,719 $2,628 $2,949
Iowa $1,361 $1,867 $2,195
Kansas $1,811 $2,635 $3,082
Kentucky $2,618 $3,843 $4,539
Louisiana $3,361 $5,081 $5,509
Maine $1,271 $1,757 $2,594
Maryland $2,057 $2,993 $3,325
Massachusetts $1,649 $2,877 $1,649
Michigan $3,980 $6,065 $9,567
Minnesota $1,638 $2,185 $3,076
Mississippi $1,978 $2,821 $2,839
Missouri $1,864 $2,664 $3,500
Montana $1,895 $2,644 $3,077
Nebraska $1,602 $2,369 $2,573
Nevada $2,642 $3,919 $4,140
New Hampshire $1,838 $2,906 $3,674
New Jersey $2,025 $3,177 $4,157
New Mexico $2,068 $3,076 $3,193
New York $1,915 $2,412 $4,026
North Carolina $1,187 $2,040 $1,455
North Dakota $1,625 $2,469 $2,920
Ohio $1,449 $2,234 $2,291
Oklahoma $2,313 $3,312 $3,730
Oregon $2,105 $2,825 $3,374
Pennsylvania $1,773 $2,603 $3,046
Rhode Island $2,960 $4,343 $4,890
South Carolina $2,010 $2,786 $3,846
South Dakota $1,804 $2,599 $2,999
Tennessee $2,121 $3,123 $4,159
Texas $2,136 $3,086 $3,839
Utah $1,817 $2,547 $3,504
Vermont $1,399 $2,155 $2,277
Virginia $1,318 $2,023 $1,983
Washington $1,745 $2,368 $2,827
West Virginia $1,755 $2,514 $3,149
Wisconsin $1,750 $2,732 $3,116
Wyoming $1,634 $2,287 $2,436

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: