BMW X5 insurance costs average $94 monthly for minimum coverage and $182 for full coverage. Depending on your particular trim and model year, costs can range from $56 to $331 for BMW X5 monthly.
BMW X5 Insurance Cost
Updated: September 24, 2025
Key Takeaways
BMW X5 insurance costs vary widely from $89 to $331 monthly, with older base models costing less than newer performance trims like the 4.8is.
The BMW X5 ranks 423rd out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
GEICO offers the most affordable BMW X5 coverage at $149 monthly for full coverage and $68 for minimum coverage.
How Much Is BMW X5 Insurance?
| BMW X5 | $94 | $182 |
BMW X5 Insurance Cost by Model Year
Your BMW X5 insurance rates depend on your vehicle's model year and available trim options, with newer models costing more due to higher fair market value. Monthly premiums for BMW X5 models span from $64 for older years to $251 for the newest trims.
| 2026 | $129 | $251 |
| 2025 | $121 | $237 |
| 2024 | $117 | $228 |
| 2023 | $81 | $158 |
| 2022 | $76 | $149 |
| 2021 | $64 | $125 |
| 2020 | $121 | $236 |
| 2019 | $110 | $214 |
| 2018 | $104 | $204 |
| 2017 | $102 | $199 |
| 2016 | $97 | $189 |
| 2015 | $92 | $178 |
| 2014 | $89 | $173 |
| 2013 | $80 | $155 |
| 2012 | $73 | $141 |
| 2011 | $74 | $144 |
| 2010 | $87 | $168 |
| 2009 | $84 | $163 |
| 2008 | $77 | $148 |
| 2007 | $75 | $145 |
| 2006 | $76 | $148 |
| 2005 | $72 | $139 |
| 2004 | $126 | $242 |
| 2003 | $118 | $227 |
| 2002 | $111 | $214 |
| 2001 | $84 | $162 |
| 2000 | $74 | $143 |
BMW X5 Insurance Cost by Trim
Your BMW X5 trim impacts insurance costs. Features, performance capabilities and market value drive rate differences across models. Monthly premiums range from $70 for basic trims to $302 for high-performance variants, creating substantial savings opportunities when choosing your vehicle.
| Xdrive45e Sport Utility 4d | $70 | $137 |
| Xdrive35i Premium Sport Utility 4d | $73 | $142 |
| 4.8i Sport Utility 4d | $76 | $146 |
| Sdrive40i Sport Utility 4d | $76 | $148 |
| 3.0si Sport Utility 4d | $77 | $148 |
| Xdrive35i Sport Activity Sport Utility 4d | $80 | $155 |
| Xdrive30i Sport Utility 4d | $83 | $160 |
| 4.4i Sport Utility 4d | $83 | $161 |
| Xdrive48i Sport Utility 4d | $87 | $168 |
| Xdrive40i Sport Utility 4d | $87 | $170 |
| 3.0i Sport Utility 4d | $87 | $168 |
| Xdrive40e Sport Utility 4d | $88 | $172 |
| Xdrive35i Sport Utility 4d | $90 | $174 |
| Xdrive35d Sport Utility 4d | $91 | $177 |
| Xdrive50i Sport Utility 4d | $92 | $180 |
| Sdrive35i Sport Utility 4d | $98 | $192 |
| M50i Sport Utility 4d | $99 | $194 |
| Xdrive40e Iperformance Sport Utility 4d | $100 | $194 |
| Sdrive40i | $108 | $211 |
| 4.8is Sport Utility 4d | $110 | $213 |
| Xdrive40i | $113 | $220 |
| Xdrive50e | $120 | $235 |
| M60i | $148 | $289 |
| 4.6is Sport Utility 4d | $157 | $302 |
Compare Personalized BMW X5 Insurance Costs
We've broken down BMW X5 insurance costs by model year and trim for more accurate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:4.4i Sport Utility 4d
| 4.4i Sport Utility 4d | $74 | $143 |
BMW X5 Insurance Cost by Company
BMW X5 insurance costs vary by provider, from $108 to $219 monthly. Minimum coverage ranges from $68 to $144, while full coverage spans $149 to $311. Rates vary due to different risk assessment models.
| AAA | $105 | $217 |
| AIG | $127 | $311 |
| Allstate | $124 | $240 |
| Amica | $119 | $243 |
| Chubb | $120 | $238 |
| Farmers | $136 | $239 |
| GEICO | $68 | $149 |
| Kemper | $89 | $182 |
| Nationwide | $99 | $172 |
| Progressive | $93 | $175 |
| State Farm | $86 | $180 |
| The Hartford | $91 | $155 |
| Travelers | $81 | $150 |
| UAIC | $144 | $179 |
BMW X5 Insurance Cost by State
BMW X5 insurance costs vary dramatically by location, ranging from $39 monthly in Wyoming to $290 in Louisiana. This $251 difference shows how much your state impacts premiums. Review pricing within your area below.
| Alabama | $80 | $151 |
| Alaska | $68 | $145 |
| Arizona | $113 | $211 |
| Arkansas | $75 | $167 |
| California | $89 | $179 |
| Colorado | $90 | $216 |
| Connecticut | $125 | $216 |
| Delaware | $125 | $209 |
| Florida | $113 | $260 |
| Georgia | $133 | $220 |
| Hawaii | $49 | $110 |
| Idaho | $50 | $100 |
| Illinois | $86 | $162 |
| Indiana | $60 | $117 |
| Iowa | $54 | $131 |
| Kansas | $68 | $159 |
| Kentucky | $115 | $196 |
| Louisiana | $185 | $395 |
| Maine | $49 | $103 |
| Maryland | $140 | $236 |
| Massachusetts | $96 | $203 |
| Michigan | $146 | $283 |
| Minnesota | $79 | $166 |
| Mississippi | $87 | $172 |
| Missouri | $115 | $228 |
| Montana | $71 | $168 |
| Nebraska | $68 | $156 |
| Nevada | $153 | $277 |
| New Hampshire | $65 | $116 |
| New Jersey | $148 | $244 |
| New Mexico | $75 | $168 |
| New York | $107 | $192 |
| North Carolina | $75 | $148 |
| North Dakota | $59 | $130 |
| Ohio | $69 | $134 |
| Oklahoma | $86 | $192 |
| Oregon | $105 | $183 |
| Pennsylvania | $83 | $194 |
| Rhode Island | $113 | $203 |
| South Carolina | $91 | $169 |
| South Dakota | $54 | $169 |
| Tennessee | $73 | $148 |
| Texas | $115 | $234 |
| Utah | $96 | $164 |
| Vermont | $45 | $106 |
| Virginia | $88 | $143 |
| Washington | $82 | $152 |
| West Virginia | $83 | $170 |
| Wisconsin | $61 | $133 |
| Wyoming | $39 | $121 |
BMW X5 Insurance Cost by Driver Profile
Your driving profile, especially age and driving history, dramatically impacts BMW X5 insurance costs. Young drivers under 25 face the steepest rates at $349 monthly, while adult drivers between 26-64 enjoy the most affordable premiums at just $138 per month.
| Adult Drivers | $94 | $182 |
| Young Drivers | $239 | $460 |
| Senior Drivers | $125 | $230 |
| Drivers With a Speeding Ticket | $117 | $229 |
| Drivers With an Accident | $138 | $267 |
| Drivers With a DUI | $174 | $333 |
| Drivers With Bad Credit | $225 | $453 |
Is a BMW X5 Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW X5 ranks 423rd out of 827, making it one of the more expensive cars to insure. Among midsize luxury crossover SUVs, the model ranks 7th out of 22.
| Buick Rendezvous | $72 | $139 |
| Lincoln MKX | $83 | $161 |
| Infiniti JX | $90 | $175 |
| Acura ADX | $92 | $179 |
| Cadillac SRX | $93 | $180 |
| Acura MDX | $93 | $180 |
| Bmw X5 | $94 | $182 |
| Mercedes R-Class | $95 | $183 |
| Infiniti QX60 | $101 | $196 |
| Acura ZDX | $101 | $197 |
| Cadillac XT6 | $103 | $201 |
| Bmw X6 | $105 | $205 |
| Land Rover Range Rover Velar | $109 | $213 |
| Cadillac Lyriq | $109 | $213 |
| Genesis GV80 | $120 | $234 |
| Audi SQ7 | $121 | $238 |
| BMW X5 Model X | $143 | $279 |
| Cadillac Lyriq-V | $147 | $287 |
| Audi SQ8 | $151 | $296 |
| Polestar 3 | $165 | $321 |
| Audi SQ6 e-tron | $360 | $709 |
| Audi Q8 e-tron | $369 | $727 |
Factors That Affect BMW Car Insurance Costs
Several factors influence what you'll pay for BMW X5 insurance coverage:
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423. BMW X5 repair costs average $787 annually, making it BMW X5's most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The BMW X5's advanced features and multiple trim levels (sDrive40i, xDrive40i, xDrive50e, M60i, M Competition) increase insurance premiums.
Higher trims feature BMW Curved Display, advanced safety systems, premium materials, and performance components like M Sport brakes and adaptive suspension, all contributing to higher replacement costs and specialized repair requirements.
Fuel Type
BMW X5 offers diverse powertrains that affect insurance costs: gasoline engines (375 to 523 hp), plug-in hybrid xDrive50e with 38 miles electric range, and upcoming hydrogen fuel cell options.
The hybrid variant's complex dual-powertrain system and high-voltage battery components require specialized technicians and expensive parts, increasing repair costs and insurance premiums.
Location
BMW X5 owners are concentrated in wealthy ZIP codes and affluent metropolitan areas, including Manhattan (ZIP 10274), Palm Beach, Fisher Island, Greenwich, CT and Century City, CA. Location affects rates through state regulations, weather risks, crime rates, and accident statistics.
Higher concentration in expensive urban areas correlates with increased theft risk and higher repair costs due to premium parts availability.
Driver Profile
Most BMW X5 drivers are male (76%) with median age of 58 and household income of $267,045. This demographic receives favorable rates due to higher credit scores and stable financial profiles.
Driver demographics affect BMW X5 rates:
• Age (median 58 years): Mature drivers receive lower rates than younger buyers.
• Gender (76% male): Male ownership correlates with performance-focused driving behaviors.
• Income ($267,045 median): Higher credit scores reduce premiums, though wealth enables riskier vehicle purchases.
Cheapest BMW X5 Insurance Companies
When shopping for X5 car insurance, GEICO stands out with the most affordable full coverage at $149 monthly. For drivers who only need basic coverage, GEICO also offers the cheapest minimum car insurance for the X5 at $68 per month.
| GEICO | $68 | $149 |
| Travelers | $81 | $150 |
| The Hartford | $91 | $155 |
| State Farm | $86 | $180 |
| Progressive | $93 | $175 |
Cheapest BMW X5 Insurance by State
We found that these are the top three cheapest car insurance providers for a BMW X5:
- Auto-Owners: Most affordable in 10 states
- Travelers: Most affordable in nine states
- GEICO: Most affordable in seven states
Filter below to see who offers the most affordable auto insurance rates for your BMW X5.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Auto Owners | $60 |
How to Get the Best Cheap BMW X5 Insurance
Below we break down the best way to buy car insurance for your BMW X5:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your BMW X5, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that BMW X5 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): X5 owners frequently have multiple luxury vehicles since the midsize SUV often serves affluent families with diverse transportation needs. Multiple vehicles in the household qualify for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (10% to 25% savings): With X5 prices ranging from $67,600 (base sDrive40i) to over $129,700 (M Competition), buyers typically have substantial assets including high-value homes, making them prime candidates for bundling auto and home insurance for significant savings.
- Safety Features/Advanced Safety Discount (5% to 15% savings): The X5 earned IIHS Top Safety Pick Plus recognition and comes standard with automated emergency braking with pedestrian detection, blind-spot monitoring, and lane-departure warning. These advanced safety technologies can unlock discounts while reducing accident risk.
- Good Driver/Safe Driver Discount (5% to 30% savings): X5 buyers are typically mature, affluent professionals (often 35-55 years old) who value safety and maintain clean driving records. This demographic's responsible driving history qualifies for substantial good driver discounts.
- Professional/Occupation Discount (5% to 15% savings): Many X5 owners work in high-earning professional fields like medicine, law, finance, or executive roles that qualify for occupational discounts, potentially saving $130 to $230 annually despite the vehicle's luxury status and higher repair costs.
- 5
Consider alternative car insurance types
BMW X5 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW X5 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW X5 Insurance Cost: Bottom Line
Insuring a BMW X5costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW X5 Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW X5.
What is the average cost of car insurance for a BMW X5?
The BMW X5's average annual insurance cost is $1,125 for minimum coverage and $2,185 for full coverage.
What company has the cheapest car insurance for a BMW X5?
GEICO offers the cheapest car insurance for both full and minimum coverage for BMW X5s, with rates of $149 and $68 respectively.
Are BMW X5s expensive to insure?
Yes, a BMW X5 is expensive to insure. Compared to the rest of the models on the U.S. market, a BMW X5 ranks 423rd out of 827, making it one of the more expensive cars to insure. Among midsize luxury crossover SUVs, the model ranks 7th out of 22.
What factors affect insurance costs for BMW X5s?
Several things drive up your BMW X5 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer BMW-certified repair shops cost more.
How can I lower BMW X5 insurance costs?
Shop around with multiple insurers as rates vary for BMWs, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features and technology features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW X5 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW X5 insurance costs.
Who We Based These Rates On
These BMW X5 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Hedges & Company. "BMW X5 Owner Demographics: Income, Age, Gender and More." Accessed October 15, 2025.