Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 30, 2020

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Things to Remember...

  • BMW is a German automaker with a long history and a reputation for well-crafted vehicles and motorcycles
  • The BMW X5 is a midsize crossover SUV, but the manufacturers refer to it as a Sport Activity Vehicle (SAV)
  • The BMW X5 does not have as extensive safety ratings as other domestic vehicles
  • Looking for BMW X5 auto insurance comparisons? The average rate of insurance for a BMW X5 is around $178/mo. or $2,136 yearly.
  • 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


You can save $711 on BMW X5 insurance rates when you’re eligible for policy discounts. BMW X5 insurance rates are $144 per month for full coverage and $58 per month for liability auto insurance coverage. Regarding the 2019 BMW X5 insurance cost, you can pay $390 if you opt only for liability coverage. Read through our guide to find out how you can save more money on auto insurance.

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

How much is insurance for a BMW?

The average BMW X5 auto insurance costs are $1,724 a year or $144 a month.

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Is the BMW X5 expensive to insure?

The chart below details how BMW X5 insurance rates compare to other SUVs like the Dodge Journey, Ford Expedition, and Honda Passport.

Vehicle Comprehensive Collision Liability Total
BMW X5 $444 $750 $372 $1,724
Dodge Journey $322 $532 $372 $1,384
Ford Expedition $336 $532 $316 $1,320
Honda Passport $362 $656 $316 $1,470
Jeep Compass $294 $500 $372 $1,324
Chevrolet Traverse $336 $470 $316 $1,258
Cadillac Escalade ESV $464 $720 $390 $1,732
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However, there are a few things you can do to find cheap BMW X5 insurance online.

What Impacts the Cost of BMW X5 Insurance?

You might have noticed that there is a multitude of factors that impact affordable BMW X5 auto insurance. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the BMW X5.

Age of the Vehicle

Older BMW X5 models generally cost less to insure. For example, auto insurance for a 2020 BMW X5 costs $1,724, while 2010 BMW X5 insurance costs 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 impact on BMW X5 auto insurance rates. As an example, a 40-year-old driver could pay $182 less each month for their BMW X5 car insurance compared to a 20-year-old driver.

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 auto insurance. Teens and drivers in their 20’s see the highest jump in their BMW X5 auto insurance with violations on their driving record.

BMW X5 Safety Ratings

The BMW X5’s safety ratings will affect your BMW X5 auto insurance rates. See the chart 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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The BMW X5 does not have as extensive safety ratings as domestic vehicles, requiring several sources to get an overall picture of the safety ratings. Vehicle safety ratings have a great impact on base car insurance rates, as increased safety means fewer injuries. A lower number of injuries in overall crashes mean lower claim rates, thus leading to lower car insurance costs.

The BMW X5 earned high rating marks from the Insurance Institute for Highway Safety (IIHS), though the IIHS did not perform all four of its standard tests.

The BMW X5 earned a “Good” rating, the highest for both front impact testing and side impact testing, which were the only tests conducted on the BMW X5 by the IIHS.

Interestingly enough, the National Highway Traffic Safety Administration (NHTSA) conducted rollover testing, but not front or side crash testing as is the norm.

In the X5 rollover test, each model of the BMX X5, including the V6, V8, the high-performance model and the diesel option, received four out of five stars, which is a decent rating.

According to the NHTSA, the BMW X5 has a 17.4 percent chance of rollover in the event of erratic driving maneuvers such as overcorrection.

BMW X5 Crash Test Ratings

BMW X5 crash test ratings can impact your BMW X5 auto insurance rates. See BMW X5 crash test results below. As a side note, you will not find ratings that impact 2007 BMW X5 insurance cost or 2008 BMW X5 insurance cost.

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 probability varies between different coverage types. The lower percentage means lower BMW X5 auto insurance costs; higher percentages mean a higher BMW car insurance cost.

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, you will pay more if you purchase BMW X5 auto insurance at the dealership, so be sure to shop around and compare BMW X5 auto insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Auto Insurance BMW

Although it may seem like your BMW auto insurance rates are set, there are a few measures that you can take to secure the best BMW X5 auto insurance rates possible. Take a look at the following five ways to save on BMW X5 auto insurance.

  • Consider Using a Tracking Device on Your BMW X5
  • Ask About Retiree Discounts
  • Bundle Your BMW X5 Auto Insurance with Home Insurance
  • Start Searching for New BMW X5 Auto Insurance a Month Before Your Renewal
  • Ask About Farm and Ranch Vehicle Discounts

Many drivers wish they could enjoy $2,000 a year auto insurance rates as their own rates are much higher and are not for a luxury vehicle. Unfortunately, most people don’t have a good grasp on what goes into calculating car insurance rates or even how to search for coverage.

However, there are a few steps that you can take to lower your risk of having a claim in the future.

If you appear to have a low likelihood for having a future claim, then your insurance rates might lower so much that you could afford a BMW X5.

First, you need to have a clean driving record, plain and simple. Accidents and speeding tickets prove you are a risk, so they need to be avoided. The best avoidance maneuver is to obey laws and rules of the road.

Your driving record goes back for three years, so moderate black marks fall off after three years. Serious offenses such as driving under the influence (DUI) stay on a driving record from seven to 10 years.

While waiting for items to disappear, you can try to find a safe driving course that will remove points from your license or generate a discount from you insurance provider.

Next, you need to also improve your credit history if it is not great. If you qualified for financing for a BMW X5, you likely have a golden credit history; if not, it is something to work for.

Keep your credit card debt low, pay your bills on time, and check your credit often to improve your history.

You can also add anti-theft devices to your vehicle that will help you to get discounts. The options range from expensive tracking devices and alarms to often-free VIN etching, but they can get you discounts from 5 percent to 20 percent.

However, the best way to save on car insurance costs is to shop around. Few people understand that car insurance companies have rates for the same coverage that varies by hundreds and even thousands of dollars.

Get as many quotes for coverage as possible and you are almost guaranteed to find something lower for the same amount of insurance than you are paying now.

Top BMW X5 Insurance Companies

Several insurance companies offer competitive rates for the BMW X5 based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with BMW X5 drivers organized by market share.

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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BMW X5 Model Overview

BMW is a German automaker with a long history and a reputation for well-crafted vehicles and motorcycles.

The BMW X5 is a crossover SUV that is a marriage of the styling of the 5 series vehicles with the capabilities of an SUV. Finding the right insurance for your BMW X5 is surely one of your top priorities.

For many, owning a BMW is the only option. The manufacturer has a fiercely loyal customer base in the United States and around the world; this is due in part to the high safety standards of all BMWs.

Check out car insurance options for your BMW X5 by entering your ZIP code in the FREE box above!

The BMW X5 is a midsize crossover SUV, but the manufacturers refer to it as a Sport Activity Vehicle (SAV) to distinguish it from the pack of SUVs traveling the roadways. It was the first SUV offered by BMW, and it has undergone two redesigns and many updates to become

It was the first SUV offered by BMW, and it has undergone two redesigns and many updates to become the sporty yet luxurious crossover it is today.

The BMW X5 is offered with two different, new engine specs, the V6 xDrive35i or the larger, V8 xDrive50i. The xDrive35i starts at $47,500 for the base model and tops out at $57,700 for the Sports package. The xDrive50i is obviously more expensive at $64,200, due to its larger engine.

Both engines have an impressive amount of horsepower, with the xDrive35i generating 300 horsepower and the xDrive50i creating 400 horsepower.

There is also a diesel option and a high-performance model, the BMW X5 M, which generated 555 horsepower and sells for $87,250.

While they both have a lot of power, there’s also a host of technology for increasing fuel efficiency. The V6 X5 model gets 16 mpg in the city and 23 mpg on the highway according to FuelEconomy.gov, and the V8 X5 gets 14 mpg in the city and 20 mpg on the highway.

It also allows the vehicle to choose exactly the right gear for optimal performance for the least amount of fuel possible. It is part of what BMW refers to as efficient dynamics, which is an effort to keep peak performance but cut fuel consumption using engineering and aerodynamics.

The interior of the X5 is exactly what you would expect from a luxury manufacturer such as BMW. The vehicle is resplendent in fine wood paneling, leather seating, and the latest technology for safety, communication, and entertainment.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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BMW X5 Coverage Options

The BMW X5 is an expensive piece of German engineering, and few drivers would have anything but full coverage on such a vehicle.

As a larger vehicle, the BMW X5 has the ability to do serious damage to other vehicles. BMW X5 owners should follow the advice of experts and purchase liability limits of $100,000 per individual and $300,000 for an entire accident.

The average driver would be hard pressed to be able to afford such an expensive luxury vehicle, making a BMW X5 a vehicle for those with money. In such a case, perhaps an umbrella liability policy is a good idea.

Certainly, full coverage options such as collision and comprehensive are also a must, just to protect the value of the vehicle. Even if it is paid off, buying full coverage will likely be less expensive than replacing the BMW X5 out-of-pocket.

Additional options such as personal injury protection and roadside assistance are at the discretion of the car owner. Such options should be purchased if there isn’t similar coverage elsewhere, such as towing with an auto club.

Is BMW Insurance More Expensive?

While the BMW X5 certainly has impressive safety features, which usually lowers base car insurance rates, the vehicle also has some aspects that could increase insurance rates. The biggest aspect is the vehicle’s luxury pedigree and expensive price tag.

Vehicles that are more expensive to buy are also more expensive to fix. This increases insurance rates. The BMW X5 is no exception. BMWs are engineered with top-of-the-line parts that are not inexpensive.

Being a foreign car also helps to increase the cost of parts and labor, which increases the insurance costs altogether.

Estimated insurance costs from MSN Money show that insurance for the BMW X5 auto is usually more expensive than average vehicles.

The BMW X5 V6 has an estimated annual insurance cost from $1,401 to $1,519. The BMW X5 V8 has an average insurance cost of $1,718 annually, and the high-performance BMW X5 M is almost $2,000.

The diesel option for the BMW X5 is right in the middle of the two options with estimated car insurance costs of $1,648.

Of course, your car insurance rates could vary widely from those above. The safety and overall cost of a vehicle are not the only factors used to set car insurance rates. A driver’s unique set of factors will likely have more of an impact on increasing or lowering car insurance rates.

Best Car Insurance for BMW

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