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
BMW X5 insurance costs depend on model year and insurer. Minimum coverage ranges from $68 per month with GEICO to $144 per month with UAIC. Full coverage costs $149 per month with GEICO and $311 per month with AIG.
That $76 gap for minimum coverage and $162 gap for full coverage show how much rates differ by company. Insurers weigh the X5's repair costs and safety record differently, so your rate depends on which one you pick.
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 |
| 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 |
The BMW X5 ranks 108th out of 256 SUVs for insurance affordability, according to MoneyGeek's analysis, meaning 107 models cost less to insure. Its monthly rate falls within a few dollars of the Buick Envista and the Subaru Ascent, the two closest models in price on either side.
The X5 ranks 423rd out of 827 vehicles overall, in the more expensive half of all vehicles reviewed. SUVs tend to cost more to insure than sedans or compact cars, so this overall ranking matters when you set an insurance budget. The Isuzu Amigo has the lowest average premium among SUVs, and the Audi SQ8 e-tron has the highest.
| 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:
BMW X5 minimum coverage costs range from $39 a month in Wyoming to $185 in Louisiana. State risk factors and insurance regulations drive this gap, not 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 insurance costs rise with model year, and age changes rates too. A 35- to 55-year-old driver pays $213 a month for full coverage on a 2017 model compared to $277 for a 2026 model. Teen and young-adult drivers pay far higher premiums than middle-aged drivers, regardless of model year.
Shopping between insurers uncovers savings on BMW X5 coverage. Progressive offers the cheapest rates across all model years. Certain drivers could save hundreds of dollars a month versus average costs.
Older models (2016 to 2020):
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 costs shift sharply by trim. Full coverage on the 4.6is Sport Utility 4d runs $302 a month. Minimum coverage on the Xdrive45e runs $70 a month.
| 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 |
Here's how to find affordable BMW X5 insurance rates.
Decide how much coverage to buy for your BMW X5 based on your ownership situation. If you own your vehicle outright, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want more 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.
Check average auto insurance costs for luxury SUVs like the X5 to see what you should pay. Use that benchmark to find the cheapest car insurance companies with competitive rates. Knowing typical costs for your vehicle class helps you spot real savings when you compare quotes from different insurers.
Good car insurance means more than a low quote. Check J.D. Power satisfaction ratings, read claims-processing reviews, look up Better Business Bureau complaints, and check AM Best's financial strength rating for each insurer. Budget insurers may offer limited coverage or slower service when you file a claim.
Find car insurance discounts for your BMW X5. Luxury SUV owners often qualify for safety-feature discounts, anti-theft device savings, multi-policy discounts for bundling auto and home insurance, and good-driver rewards. Multi-vehicle discounts can also lower costs for families with multiple cars.
BMW X5 owners may benefit from usage-based insurance programs that track driving habits and lower premiums for safe drivers. Progressive Snapshot and Allstate Drivewise are two examples that monitor your actual driving behavior. These programs can save careful, low-mileage drivers a large amount on their luxury vehicle's premium.
Get car insurance quotes from multiple companies every year to make sure you're getting the best deal. Your current insurer won't tell you when competitors lower their prices, so comparing rates regularly could save you up to 24% on BMW X5 insurance. Set a calendar reminder to check rates each renewal period.
BMW X5 insurance costs are average compared to other vehicles, but you can still secure decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options help you find the best insurance rate.
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.
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.
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.
Several factors affect BMW X5 insurance rates. Luxury vehicle costs matter most. Repairs on high-end parts run expensive, and luxury SUVs carry higher theft risk. Insurers price both into your premium. Advanced safety features help lower accident claims. Your driving record, credit score, and coverage choices also affect your final rate.
Compare quotes from multiple insurers. BMW X5 pricing varies by company. Usage-based programs that track your driving can also cut costs. Claim available discounts, bundle with home or renters insurance, and keep a clean driving record for the most competitive rates.
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to calculate BMW X5 insurance costs.
Who We Based These Rates On
These BMW X5 rates reflect what an average driver pays:
Coverage Definitions
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
