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BMW X5 insurance rates

Average BMW X5 insurance cost? $200. But this SUV boss can go even cheaper with Progressive.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW X5 is $199.90. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 BMW X5$120.57$125.59$211.79$204.22$165.54
2016 BMW X5$116.41$151.61$241.96$180.30$172.57
2021 BMW X5$116.24$183.75$290.62$208.97$199.90

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, location, job type, annual mileage and more.

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Compare the X5’s insurance factors to similar cars

With the BMW X5, you won’t sacrifice a low insurance rate to gain the luxury and speed that this SUV offers. The X5 falls on the south end of luxury insurance rates, helping you keep ownership costs lower than other vehicles in its class.

Models similar to BMW X5Monthly insurance costCar valueSafety rating by NHTSA
BMW X5$199.90$60,3954-star
BMW X7$220.63$75,895Not rated
Genesis GV80–$49,9455-star
Lincoln Aviator–$52,6655-star
Porsche Cayenne–$68,850Not rated

We found 2021 car values from Car and Driver’s car model reviews. We also found 2021 safety ratings from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model available.

BMW X5 Series money-saving safety features

You could save money on car insurance for your BMW X5 Series if it comes equipped with these safety features.

  • Airbags
  • Antilock brakes
  • Antitheft device
  • Electronic stability control
  • Seatbelt pretensioners
  • Lane-departure warning systems
  • Adaptive cruise control
  • Daytime running lights

About the BMW X5

The BMW X5 has been around since 1999 and is a midsize luxury SUV. In 2015, there were approximately 55,000 sales in the United States. The BMW X5 is known for its powerful engine, large cargo space, and comfortable interior. The latest model was awarded 5-Star Overall Rating from the National Highway Safety Administration for safety.

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Publisher

Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College. See full bio

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