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BMW X5 car insurance

Find out how much would it cost to insure a BMW X5, and how can I save on my premiums.

Most people are probably familiar with the BMW X5. The X5 has been on the roads since 1999, and has remained a favourite among drivers for almost two decades.

Keep reading to find out how much it will cost you to insure a BMW X5, compare quotes and start saving.

Compare BMW X5 Car Insurance Quotes

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Average insurance rates for the X5

You can insure your X5 for approximately £80.74 per month. This comes at the top end of the price range for a car in this field, however it is important to note that the average was swayed by the significantly more expensive insurance quotes offered for the 4.4L X5. If you’d rather pay in an annual sum, you’d expect to be set back an average of £868.46.

In order to calculate these insurance figures, we aggregated quotes from a variety of well-known car insurance providers. We used the following information to generate our quotes.

  • Driver was a thirty-year-old male teacher from Exeter.
  • Factory standard alarm/immobiliser technology.
  • Five years no-claims bonus.
  • An average of 10,000 miles driven per year.
  • This was the only car belonging to the driver.
  • Used for social, domestic, and commuting reasons.
  • Car parked in a driveway overnight.
  • We identified the car as a 2018 BMW X5 in all quotes.
  • Comprehensive insurance.

Companies that provide coverage for an BMW X5

Updated April 22nd, 2019
Name Product Available Cover Offer Details
Comprehensive, Third Party Fire and Theft & Third Party only
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
10% of new AA customers paid just £165 or less for comprehensive cover purchased online.
Comprehensive, Third Party Fire and Theft & Third Party only
No claims & MultiCar discounts
Voted best car insurance provider 2017/18 at the Personal Finance Awards.
Churchill
Churchill
Comprehensive, Third Party Fire and Theft & Third Party only
If your car is vandalised Churchill will let you keep your no claim discount.
Comprehensive cover only. Excess applies. Crime reference number required. The damage can't have been caused by another vehicle. Underwritten by U K Insurance Limited
Direct Line
Direct Line
Comprehensive, Third Party Fire and Theft & Third Party only
Guaranteed hire car cover comes as standard with comprehensive motor insurance
Underwritten by U K Insurance Limited
Third Party, Third Party Fire & Theft, Comprehensive
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Endsleigh Business Insurance Services is a trading name of Endsleigh Insurances (Brokers) Limited.
Third Party, Third Party Fire & Theft, Comprehensive
No claims discounts
Go Girl is the trading name of Sabre Insurance Company Limited.
Young drivers insurance
Earn up to 21% off by driving well.
ingenie’s car insurance is underwritten by a panel of leading UK insurers.
Third Party, Third Party Fire & Theft, Comprehensive
M&S Bank cardholder's save up to 15% when taking out a new policy and when renewing existing cover. Terms and conditions apply.
M&S Car Insurance is arranged and administered by BISL Limited using a panel of insurers. Terms and conditions apply.
Comprehensive, Third Party Fire and Theft & Third Party only
-
Post Office car insurance is arranged and administered by BISL Limited and insured by a panel of insurers
Comprehensive, Third Party Fire and Theft & Third Party only
No claims discounts
RAC offer car insurance from a panel of insurers

Compare up to 4 providers

Factors that can affect your insurance premiums

Insurance providers maintain the right to vary their quote depending on the information provided by the driver seeking insurance. Below we’ve identified some of the main factors that affect the cost of car insurance prices.

  • Safety features. The presence of security and safety devices on the car may entice the insurer to offer you a lower rate of insurance as it reduces the risk of you claiming.
  • Mileage. Insurers will analyse your policy in part through how many miles you drive every year, in relation to the national average of 10,000 miles per year.
  • Modifications. Does your car possess any modifications not designed to increase safety or security? If so, there may be a price impact on your insurance figures.
  • Driver details. What is the state of your credit history, no-claims discount and rate of driving convictions? Insurers will take note of the drivers’ situation. Variables that might affect your rate of insurance include age, sex, marital status, and geographical location – all of which inform the insurer about the stability of you as a driver, and hence can affect your premiums.
  • Fuel type. The fuel type of your vehicle may have a knock-on effect on your insurance premiums. By our calculations, a 2.0L diesel model was £51.95 cheaper than the petrol equivalent.

How can I save on my BMW X5 premiums?

Some of the features in the list above have simple fixes. Other methods of reducing your premiums are not so obvious, but don’t worry! We’re here to make sure you know how to keep the costs of your car insurance down:

  • If possible, opt-in to certain extra packages that install security or safety features. This might include trackers or safety hardware installed on the vehicle. Try to make sure that your modifications exist solely to reinforce the safety or security of the car; insurers may increase premiums for drivers who invest in racing extras or other ‘flashy’ modifications.
  • Have you considered paying for your car insurance annually rather than monthly? Whilst this would mean a single significant hit to your bank balance each year, our research suggests you can expect to save an average of £100.38 every year when you insure your BMW X5.
  • Keep your credit rating and no-claims discount in good standing. Insurers will reward this, especially if you are also not convicted for any driving offences in the given period.
  • Try to reduce the amount you drive, if you find that you consistently emerge above the national average of 10,000 miles per year. If the opportunity arises where it is not necessary to take a car, walk or use public transport – it’ll save you money in the long run!
  • Only insure drivers who regularly use the car – you can always add in others later! Claiming an extra driver on your policy when they rarely drive will send your premiums skyrocketing.

Facts about the BMW X5

    • In the United Kingdom, BMW X5 models can be bought for a starting price of approximately £48,000.
    • It was a conscious choice of BMW to ensure that the X5 was branded and marketed as an SAV (Sport Activity Vehicle) rather than an SUV, in order to draw attention to his capability on the road despite its bulk.
    • The fuel economy of the BMW X5 is superb. This is in part due to BMW’s decision to restrict the number of models available with petrol engines, which use a lot of fuel in a short space of time.

How safe is the BMW X5?

The BMW X5’s bulk and extensive safety measures means it’s a pretty safe family SUV. It is worth mentioning that BMW finished ahead of Audi and Mercedes in terms of driver safety and satisfaction in 2017.

Available safety features include multiple airbags, traction control, and braking assistance come as standard on all X5 models, but you can also install automatic low-speed braking, automatic headlight technology and parking sensors to increase the safety and usability of your X5. Ask your insurer what extra safety and security features you can add in return for lower premiums.


Compare BMW X5 Car Insurance Quotes

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*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products finder.com has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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