How to Find Cheap BMW X5 Insurance Quotes

BMW X5 insurance rates average at $144 a month, but you can find cheap BMW X5 insurance quotes online when you comparison shop. Follow this guide where we compare BMW X5 insurance costs across different cities and auto insurance companies to ensure that you find the best possible BMW X5 insurance coverage in your area.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,724 a year or $144 each month
  • A liability-only policy costs around $691 a year or $58 each month
  • Highest rates are for teenage drivers at around $6,301 a year or $525 each month
  • Good drivers can save as much as $711 a year by earning policy discounts
  • BMW X5 insurance costs around $205 more per year than the average vehicle

BMW X5 insurance rates are about $205 more per year than the average vehicle partly owing to its higher MSRP. Full coverage costs around $1,724 a year or $144 a month. Owners of an older BMW X5 may opt for liability-only insurance which will cost around $691 a year or $58 a month.

Good drivers save up to $711 a year in policy discounts by practicing safe driving habits. Let’s look at BMW X5 insurance rates, safety ratings, and more.

You can start comparing quotes for BMW X5 car insurance rates from some of the best car insurance companies by using our free online tool now.

BMW X5 Insurance Cost

The average auto insurance rates for a BMW X5 cost $1,724 a year or $144 a month.

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Are BMW X5s Expensive to Insure?

The chart below details how BMW X5 insurance rates compare to other SUVs like the Mitsubishi Outlander, GMC Yukon, and Mitsubishi Outlander Sport.

Vehicle Comprehensive Collision Liability Total
BMW X5 $444 $750 $372 $1,724
Mitsubishi Outlander $306 $542 $332 $1,316
GMC Yukon $376 $594 $372 $1,500
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Acura MDX $376 $562 $372 $1,468
Jaguar F-PACE $470 $982 $398 $2,008
Subaru Forester $346 $512 $332 $1,326
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However, there are a few things you can do to find the cheapest BMW insurance rates online.

What Impacts the Cost of BMW X5 Insurance?

The BMW X5 trim and model you choose can impact the total price you will pay for BMW X5 insurance coverage.

Age of the Vehicle

Older BMW X5 models generally cost less to insure. For example, auto insurance rates for a 2020 BMW X5 are $1,724, while 2010 BMW X5 rates are $1,344, a difference of $380.

Model Year Comprehensive Collision Liability Total
2020 BMW X5 $444 $750 $372 $1,724
2019 BMW X5 $424 $720 $390 $1,692
2018 BMW X5 $406 $714 $398 $1,676
2017 BMW X5 $394 $698 $416 $1,666
2016 BMW X5 $380 $668 $430 $1,636
2015 BMW X5 $358 $646 $442 $1,604
2014 BMW X5 $344 $598 $452 $1,552
2013 BMW X5 $332 $564 $456 $1,510
2012 BMW X5 $318 $506 $460 $1,442
2011 BMW X5 $296 $466 $460 $1,380
2010 BMW X5 $286 $436 $464 $1,344
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Driver Age

Driver age can have a significant effect on BMW X5 car insurance rates. For example, 20-year-old drivers pay $2,108 more for their BMW X5 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on BMW X5 insurance rates. For example, drivers in New York may pay $1,052 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of BMW X5 car insurance. Teens and drivers in their 20’s see the highest jump in their BMW X5 car insurance rates with violations on their driving record.

BMW X5 Safety Ratings

Your BMW X5 car insurance rates are tied to the safety ratings of the BMW X5. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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BMW X5 Crash Test Ratings

BMW X5 crash test ratings can impact your BMW X5 car insurance rates. See BMW X5 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X5 SUV AWD 4 stars 4 stars 5 stars 4 stars
2020 BMW X5 M SUV AWD N/R N/R N/R N/R
2019 BMW X5 SUV AWD 4 stars 4 stars 5 stars 4 stars
2018 BMW X5 SUV RWD 5 stars 5 stars 5 stars 4 stars
2018 BMW X5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 BMW X5 PHEV SUV AWD N/R N/R N/R N/R
2018 BMW X5 M SUV AWD N/R N/R N/R N/R
2017 BMW X5 SUV RWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X5 PHEV SUV AWD N/R N/R N/R N/R
2017 BMW X5 M SUV AWD N/R N/R N/R N/R
2016 BMW X5 SUV RWD 5 stars 5 stars 5 stars 4 stars
2016 BMW X5 SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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BMW X5 Safety Features

The more safety features you have on your BMW X5, the more likely it is that you can earn a discount. The BMW X5’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Night Vision
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

BMW X5 Insurance Loss Probability

The BMW X5’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the BMW X5, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision 31%
Property Damage 10%
Comprehensive 53%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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BMW X5 Finance and Insurance Cost

If you are financing a BMW X5, most lenders will require your carry higher BMW X5 coverage options including comprehensive coverage, so be sure to shop around and compare BMW X5 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on BMW X5 Insurance

There are many ways that you can save on BMW X5 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your BMW X5 car insurance rates low.

  • Make Sure You Use an Accredited Driver Safety Program
  • Bundle Your BMW X5 Auto Insurance with Home Insurance
  • Buy a BMW X5 with an Anti-Theft Device
  • Pay Your Bills On Time — Especially BMW X5 Payments and Insurance
  • Tell Your Insurer How You Use Your BMW X5

Top BMW X5 Insurance Companies

Who is the top car insurance company for BMW X5 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW X5 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the BMW X5 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free BMW X5 Insurance Quotes Online

To start comparing BMW X5 car insurance quotes for free, use our online car insurance comparison tool.

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