BMW X5 insurance costs vary by model year, with 2026 models costing $251 monthly compared to $189 for a 2016 model. Newer BMW X5s cost more to insure due to their higher market values.
BMW X5 Insurance Cost
Updated: January 19, 2026
Key Takeaways
BMW X5 insurance costs an average of $182 monthly for full coverage and $94 for minimum coverage. GEICO offers the lowest rates. Read more
The X5 ranks 108th out of 256 SUVs for insurance affordability, placing it in the middle tier of its vehicle class. Among all 827 vehicles analyzed, it ranks 423rd overall, confirming moderate insurance costs for a luxury SUV. Read more
Check rates for your X5's specific model year to get accurate insurance costs. Read more
How Much Is BMW X5 Insurance?
2026 | $129 | $251 |
$121 | $237 | |
$117 | $228 | |
$81 | $158 | |
$76 | $149 | |
$64 | $125 | |
$121 | $236 | |
$110 | $214 | |
$104 | $204 | |
$102 | $199 | |
$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 |
Looking for another BMW model? Read more about BMW insurance costs.
Costs vary by model year and company. BMW X5 minimum coverage spans $68 monthly with GEICO to $144 with UAIC, while full coverage ranges from $149 monthly with GEICO to $311 with AIG.
Rate variations exceeding $76 for minimum coverage and $162 for full coverage demonstrate why X5 owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| 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 |
Is BMW X5 Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the BMW X5 ranking 108th for affordability, meaning 107 models cost less to insure. It's positioned between the slightly cheaper Buick Envista and the marginally pricier Subaru Ascent, with costs differing by just a few dollars monthly. This middle-tier positioning among SUVs provides useful context for potential buyers.
While it's average among SUVs, the X5 ranks 423rd out of 827 total vehicles, placing it in the slightly more expensive half overall. SUVs generally carry higher insurance costs, so this broader ranking matters when budgeting. The Isuzu Amigo claims the most affordable SUV spot, while the Audi SQ8 e-tron commands the highest premiums in the category.
| Cadillac SRX | $136 | 105 |
| Acura MDX | $137 | 106 |
| Buick Envista | $138 | 107 |
| BMW X5 | $138 | 108 |
| Subaru Ascent | $138 | 109 |
| Jeep Grand Cherokee | $138 | 110 |
| Mercedes R-Class | $139 | 111 |
| Buick Encore | $139 | 111 |
| Toyota bZ4X | $139 | 111 |
Several factors affect what you'll pay for BMW X5 insurance:
- Average Repair or Replacement Costs: BMW X5 maintenance costs average $2,163 annually, ranking as the 8th most expensive BMW model to maintain out of 30. While repair bills are significant, this places it in BMW's more affordable maintenance category.
- Vehicle Trim, Features, and Accessories:Â The X5's horsepower ranges from 335 to 617, depending on your trim level, with higher-performance variants commanding higher premiums. Performance-focused trims like the M50i and X5 M cost more to insure due to their extreme power output.
- Driver Profile: Most BMW X5 owners fall between 35 and 55 years old with higher incomes, which leads to better insurance rates. However, the X5's performance reputation attracts risk-taking driving behaviors that concern insurers. Read more about the costs of BMW X5s for young drivers.
BMW X5 Insurance Cost by State
BMW X5 minimum coverage costs range from just $39 monthly in Wyoming to $185 in Louisiana, depending on where you're located. These dramatic differences reflect your state's risk factors and insurance regulations rather than anything about the vehicle itself.
| 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 Costs by Model Year and Insurance Company
Newer BMW X5 models cost more to insure than older ones, and your age affects rates across all model years. A 35- to 55-year-old driver pays $213 monthly for full coverage on a 2017 BMW X5 compared to $277 for a 2026 model. Young drivers in their teens and early twenties face much steeper premiums regardless of which year they're insuring.
You'll find savings opportunities when you shop between insurers for your BMW X5 coverage. Progressive offers the cheapest rates across all model years and could save certain drivers hundreds of dollars monthly versus average costs.
- 2026 BMW X5 Insurance Rates
- 2025 BMW X5 Insurance Rates
- 2024 BMW X5 Insurance Rates
- 2023 BMW X5 Insurance Rates
- 2022 BMW X5 Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW X5
| Geico | $94 | $207 |
| Progressive | $99 | $185 |
| National General | $105 | $215 |
| Travelers | $106 | $199 |
| The Hartford | $110 | $187 |
| State Farm | $112 | $237 |
| Kemper | $115 | $234 |
| Nationwide | $120 | $209 |
| AAA | $137 | $285 |
| Amica | $152 | $312 |
| Allstate | $156 | $302 |
| AIG | $170 | $428 |
| UAIC | $173 | $220 |
| Chubb | $179 | $359 |
| Farmers | $195 | $340 |
Cost of Car Insurance for 2024 BMW X5
| Geico | $91 | $199 |
| Progressive | $95 | $178 |
| National General | $101 | $207 |
| Travelers | $102 | $192 |
| The Hartford | $106 | $180 |
| State Farm | $108 | $228 |
| Kemper | $111 | $225 |
| Nationwide | $115 | $201 |
| AAA | $132 | $275 |
| Amica | $146 | $300 |
| Allstate | $151 | $291 |
| AIG | $163 | $412 |
| UAIC | $166 | $212 |
| Chubb | $172 | $346 |
| Farmers | $187 | $327 |
Cost of Car Insurance for 2023 BMW X5
| Geico | $63 | $138 |
| Progressive | $66 | $123 |
| National General | $70 | $143 |
| Travelers | $71 | $133 |
| The Hartford | $73 | $125 |
| State Farm | $75 | $158 |
| Kemper | $77 | $156 |
| Nationwide | $80 | $139 |
| AAA | $91 | $190 |
| Amica | $101 | $208 |
| Allstate | $104 | $201 |
| AIG | $113 | $285 |
| UAIC | $115 | $147 |
| Chubb | $119 | $239 |
| Farmers | $130 | $226 |
Cost of Car Insurance for 2022 BMW X5
| Geico | $59 | $130 |
| Progressive | $62 | $116 |
| National General | $66 | $135 |
| Travelers | $67 | $125 |
| The Hartford | $69 | $118 |
| State Farm | $71 | $149 |
| Kemper | $72 | $147 |
| Nationwide | $75 | $131 |
| AAA | $86 | $180 |
| Amica | $95 | $196 |
| Allstate | $98 | $190 |
| AIG | $107 | $269 |
| UAIC | $109 | $138 |
| Chubb | $113 | $226 |
| Farmers | $122 | $214 |
Cost of Car Insurance for 2021 BMW X5
| Geico | $50 | $109 |
| Progressive | $52 | $97 |
| National General | $55 | $113 |
| Travelers | $56 | $105 |
| The Hartford | $58 | $99 |
| State Farm | $59 | $125 |
| Kemper | $61 | $123 |
| Nationwide | $63 | $110 |
| AAA | $72 | $150 |
| Amica | $80 | $164 |
| Allstate | $82 | $159 |
| AIG | $89 | $225 |
| UAIC | $91 | $116 |
| Chubb | $94 | $189 |
| Farmers | $102 | $179 |
Cost of Car Insurance for 2020 BMW X5
| Geico | $90 | $196 |
| National General | $100 | $205 |
| Travelers | $104 | $194 |
| Kemper | $106 | $221 |
| State Farm | $110 | $231 |
| The Hartford | $114 | $194 |
| Progressive | $119 | $224 |
| Nationwide | $126 | $219 |
| UAIC | $136 | $168 |
| AAA | $140 | $293 |
| Chubb | $146 | $295 |
| Allstate | $156 | $303 |
| Amica | $165 | $339 |
| Farmers | $172 | $302 |
| AIG | $174 | $436 |
Cost of Car Insurance for 2019 BMW X5
| Geico | $83 | $182 |
| National General | $85 | $175 |
| Travelers | $97 | $179 |
| State Farm | $99 | $207 |
| Kemper | $103 | $214 |
| The Hartford | $108 | $184 |
| Progressive | $114 | $215 |
| Nationwide | $118 | $205 |
| AAA | $127 | $264 |
| Allstate | $132 | $256 |
| UAIC | $133 | $165 |
| Chubb | $134 | $269 |
| Amica | $139 | $285 |
| AIG | $154 | $385 |
| Farmers | $165 | $289 |
Cost of Car Insurance for 2018 BMW X5
| Geico | $75 | $165 |
| Travelers | $84 | $156 |
| National General | $90 | $185 |
| Progressive | $98 | $185 |
| State Farm | $105 | $219 |
| Nationwide | $105 | $183 |
| Kemper | $107 | $222 |
| The Hartford | $110 | $187 |
| Chubb | $125 | $253 |
| AAA | $130 | $270 |
| Allstate | $131 | $254 |
| UAIC | $138 | $171 |
| Amica | $144 | $295 |
| AIG | $155 | $382 |
| Farmers | $157 | $276 |
Cost of Car Insurance for 2017 BMW X5
| National General | $77 | $157 |
| Geico | $79 | $172 |
| Travelers | $79 | $146 |
| The Hartford | $103 | $175 |
| Kemper | $106 | $219 |
| Nationwide | $108 | $187 |
| Progressive | $108 | $203 |
| State Farm | $108 | $226 |
| AAA | $112 | $232 |
| Chubb | $115 | $231 |
| Allstate | $119 | $230 |
| Amica | $120 | $246 |
| AIG | $135 | $333 |
| UAIC | $144 | $179 |
| Farmers | $148 | $262 |
Cost of Car Insurance for 2016 BMW X5
| National General | $70 | $144 |
| Geico | $74 | $161 |
| Travelers | $81 | $150 |
| State Farm | $100 | $209 |
| The Hartford | $101 | $172 |
| Kemper | $102 | $209 |
| Progressive | $104 | $195 |
| AAA | $107 | $222 |
| Nationwide | $107 | $186 |
| Amica | $110 | $226 |
| Chubb | $110 | $220 |
| Allstate | $116 | $223 |
| AIG | $129 | $319 |
| Farmers | $137 | $242 |
| UAIC | $141 | $175 |
BMW X5 Insurance Cost by Trim
BMW X5 insurance costs vary by trim, with high-performance variants like the 4.6is Sport Utility 4d costing $302 monthly for full coverage compared to $70 for minimum coverage on basic Xdrive45e models. Performance features and market value determine where your specific trim falls in this range.
| 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 |
How to Lower the Cost of BMW X5 Insurance
We've compiled proven strategies to help you find affordable BMW X5 insurance rates:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your BMW X5 based on your ownership situation. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance from your lender.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs like your BMW X5. This benchmark assists with finding the cheapest car insurance companies that offer competitive rates. Understanding typical costs for your vehicle class prevents overpaying and helps identify genuine savings opportunities when comparing quotes from different insurers.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget options might offer limited coverage or slower service when you need to file a claim.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your BMW X5 situation. Luxury SUV owners qualify for safety features discounts, anti-theft device savings, bundling discounts when combining auto and home policies, and good driver rewards. Multi-vehicle discounts also help families with multiple cars reduce their overall insurance costs .
- 5Consider alternative car insurance types
BMW X5 owners might benefit from usage-based insurance programs that track driving habits and deliver premium reductions. Options like Progressive Snapshot telematics or Allstate Drivewise safe driving apps monitor your actual driving behavior. These programs can provide substantial savings for careful drivers who don't put many miles on their luxury vehicle.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so regular shopping comparisons could save up to 24% on your BMW X5 insurance. Set a calendar reminder to compare rates each renewal period.
BMW X5 Insurance Cost: Bottom Line
BMW X5 insurance costs average compared to other vehicles, but you can still secure decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you find the best insurance rate.
BMW X5 Insurance Rates: FAQ
What is the average cost of car insurance for a BMW X5?
BMW X5 insurance costs average $1,125 annually for state minimum coverage and $2,185 for full coverage. Monthly premiums run about $94 for minimum and $182 for comprehensive protection.
What company has the cheapest car insurance for a BMW X5?
GEICO provides the most affordable auto insurance for a BMW X5 at $819 annually for minimum coverage. BMW X5 owners seeking full coverage will also find GEICO offers the best rates at $1,782 per year.
Are BMW X5s expensive to insure?
No, BMW X5 insurance is not more expensive than most vehicles. Among SUVs, this model ranks 108th out of 256 for affordability, while sitting at 423rd out of 827 vehicles overall.
What factors affect insurance costs for BMW X5s?
Multiple factors affect BMW X5 insurance rates, with luxury vehicle costs being the primary driver. High-end parts make repairs expensive, while luxury SUVs face elevated theft risks that concern insurers. However, advanced safety features help reduce accident claims, and your driving record, credit score and coverage selections impact your final premium.
How can I lower BMW X5 insurance costs?
Compare quotes from multiple insurers since BMW X5 pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance, and maintain a clean driving record to secure the most competitive rates.
How We Determined BMW X5 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate BMW X5 insurance costs.
Who We Based These Rates On
These BMW X5 rates reflect what an average 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.