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. 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 $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 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: