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: November 16, 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 |
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
Age and driving history impact BMW X5 insurance costs. Young drivers under 25 face the steepest rates at $349 monthly, while adult drivers between 26 to 64 get 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?
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.
| 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.
How to Lower the Cost of BMW X5 Insurance
These are the best way to buy car insurance for your BMW X5:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your X5 based on ownership status. If you own your BMW, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
See what others pay by reviewing average auto insurance costs for midsize luxury SUVs. Use these figures as reference points when comparing the cheapest car insurance companies.
- 3Look for more than just low rates
Picking quality car insurance requires investigating more than rates. Check J.D. Power satisfaction scores, read forum feedback on claims experiences, review Better Business Bureau complaints and verify AM Best financial strength. Cheap premiums don't help when claims processing lags.
- 4Explore discounts you qualify for
Identify car insurance discounts you can claim. BMW X5 owners commonly get safety features discounts, multi-vehicle discounts, bundling discounts, professional occupation discounts and anti-theft discounts.
- 5Consider alternative car insurance types
Explore usage-based insurance or GEICO DriveEasy to reduce costs through monitored safe driving habits.
- 6Check rates every year
Pull fresh car insurance quotes every 12 months from multiple insurers. Insurance pricing fluctuates, and annual shopping can cut your BMW X5 costs by up to 24%.
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
BMW X5 owners need accurate insurance cost estimates before buying or budgeting for this luxury SUV, since premium vehicles typically cost more to insure than economy cars due to higher repair costs, expensive OEM parts, and elevated theft rates for luxury models. We built this analysis to show you what you'll actually pay based on your X5's model year, your coverage choices, and your driving profile.
We analyzed hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025, ensuring our data reflects real-world pricing for every X5 generation, from older used models to the latest releases with advanced technology packages.
These rates reflect what a typical driver pays: an unmarried 40-year-old male with a clean record (no tickets or crashes), a credit score in a good range, and no insurance claims history. This driver logs about 12,000 miles annually and holds a valid driver's license with no suspensions. This profile represents a typical X5 owner and provides a reliable baseline for comparing costs across model years and coverage levels.
We analyzed two coverage scenarios:
Minimum Coverage satisfying state-required liability limits that meet legal requirements but provide minimal financial protection, and
Full Coverage with 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles, which protects both your financial liability and your X5 itself.
X5 insurance costs vary significantly by model year because newer luxury SUVs cost substantially more to repair with specialized parts, advanced driver assistance systems, and premium materials, while older models have lower values that reduce comprehensive and collision premiums. The X5's classification as a luxury vehicle means higher-than-average rates across all model years compared to mainstream SUVs like the Toyota Highlander or Honda Pilot. Our extensive dataset across 25 years of X5 models shows you exactly how your specific vehicle's age and generation affect what you'll pay.
This approach prioritizes real-world accuracy for luxury SUV buyers. Whether you're shopping for a used 2015 X5 or a brand-new 2025 model with the latest M Sport package, our data shows what drivers like you actually pay for coverage, helping you budget accurately and compare total ownership costs before you buy this premium German SUV.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Hedges & Company. "BMW X5 Owner Demographics: Income, Age, Gender and More." Accessed November 30, 2025.