BMW X5 insurance groups & cost

Find out how much BMW X5 insurance costs in the UK is and how you can save on your premiums.

Updated

Fact checked
Promoted

Get BMW X5 insurance quotes

Quotezone WL logo
  • Save up to £283* on your car insurance
  • 97% of reviewers recommend Quotezone
  • Compare over 110 insurance providers
Get a quote

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.

BMW X5 insurance groups and average cost by driver’s age

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs -
sDrive25d M Sport 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d M Sport 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d M Sport 7Seat 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d M Sport 7Seat 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d SE 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d SE 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d SE 7Seat 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive25d SE 7Seat 5dr 37 £1,627 £944 £827 £667 Get Quote
xDrive25d SE 5dr 37 £1,627 £944 £827 £667 Get Quote
xDrive25d SE 5dr 37 £1,627 £944 £827 £667 Get Quote
xDrive25d SE 7Seat 5dr 37 £1,627 £944 £827 £667 Get Quote
xDrive25d SE 7Seat 5dr 37 £1,627 £944 £827 £667 Get Quote
sDrive 25d SE 218 Auto 5dr 38 £1,667 £967 £847 £684 Get Quote
xDrive 25d SE 218 Auto 5dr 38 £1,667 £967 £847 £684 Get Quote
xDrive25d M Sport 5dr 38 £1,667 £967 £847 £684 Get Quote
xDrive25d M Sport 5dr 38 £1,667 £967 £847 £684 Get Quote
xDrive25d M Sport 7Seat 5dr 38 £1,667 £967 £847 £684 Get Quote
xDrive25d M Sport 7Seat 5dr 38 £1,667 £967 £847 £684 Get Quote
sDrive 25d M Sport 218 Auto 5dr 39 £1,731 £993 £870 £702 Get Quote
xDrive 25d M Sport 218 Auto 5dr 40 £1,781 £1,018 £892 £720 Get Quote
xDrive40e SE 5dr 41 £1,795 £1,041 £912 £736 Get Quote
xDrive40e SE 5dr 41 £1,795 £1,041 £912 £736 Get Quote
Estate 3.0 xDrive30d SE 5dr 41 £1,795 £1,041 £912 £736 Get Quote
xDrive 30d SE 5dr Auto 42 £1,830 £1,062 £930 £751 Get Quote
XDrive 30d SE Auto 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d M Sport 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d M Sport 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d M Sport 7Seat 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d M Sport 7Seat 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d SE 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d SE 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d SE 7Seat 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive30d SE 7Seat 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive40e M Sport 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive40e M Sport 5dr 42 £1,830 £1,062 £930 £751 Get Quote
3.0 xDrive30d M Sport 5dr 42 £1,830 £1,062 £930 £751 Get Quote
xDrive 30d M Sport 5dr Auto 43 £1,861 £1,080 £946 £764 Get Quote
xDrive40d SE 5dr 43 £1,861 £1,080 £946 £764 Get Quote
xDrive40d SE 5dr 43 £1,861 £1,080 £946 £764 Get Quote
xDrive40d SE 7Seat 5dr 43 £1,861 £1,080 £946 £764 Get Quote
xDrive40d SE 7Seat 5dr 43 £1,861 £1,080 £946 £764 Get Quote
xDrive 30d 245 Auto 5dr 43 £1,861 £1,080 £946 £764 Get Quote
XDrive 30d M Sport Auto 44 £1,890 £1,096 £960 £775 Get Quote
xDrive40d M Sport 5dr 44 £1,890 £1,096 £960 £775 Get Quote
xDrive40d M Sport 5dr 44 £1,890 £1,096 £960 £775 Get Quote
xDrive40d M Sport 7Seat 5dr 44 £1,890 £1,096 £960 £775 Get Quote
xDrive40d M Sport 7Seat 5dr 44 £1,890 £1,096 £960 £775 Get Quote
Estate 3.0 xDrive40d SE 5dr 44 £1,890 £1,096 £960 £775 Get Quote
xDrive 40d SE 5dr Auto 45 £1,918 £1,112 £974 £786 Get Quote
3.0 xDrive40d M Sport 5dr 45 £1,918 £1,112 £974 £786 Get Quote
XDrive 35d SE Auto 46 £1,946 £1,129 £989 £799 Get Quote
xDrive 40d M Sport 5dr Auto 46 £1,946 £1,129 £989 £799 Get Quote
xDrive50i SE 5dr 46 £1,946 £1,129 £989 £799 Get Quote
xDrive50i SE 5dr 46 £1,946 £1,129 £989 £799 Get Quote
xDrive50i SE 7Seat 5dr 46 £1,946 £1,129 £989 £799 Get Quote
xDrive50i SE 7Seat 5dr 46 £1,946 £1,129 £989 £799 Get Quote
Estate 4.4 V8 xDrive50i M Sport Edition 5dr 46 £1,946 £1,129 £989 £799 Get Quote
xDrive 35i 306 Auto 5dr 46 £1,946 £1,129 £989 £799 Get Quote
XDrive 35d M Sport Auto 47 £1,974 £1,149 £1,006 £812 Get Quote
M50d 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
M50d 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
M50d 7Seat 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
M50d 7Seat 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
xDrive50i M Sport 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
xDrive50i M Sport 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
xDrive50i M Sport 7Seat 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
xDrive50i M Sport 7Seat 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
4.4 V8 xDrive50i M Sport 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
Estate 4.4 V8 xDrive50i SE 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
XDrive 35d Auto 47 £1,974 £1,149 £1,006 £812 Get Quote
xDrive 40d 306 Auto 5dr 47 £1,974 £1,149 £1,006 £812 Get Quote
XDrive 48i SE Auto 48 £2,002 £1,170 £1,025 £827 Get Quote
xDrive 50i M Sport 5dr Auto 48 £2,002 £1,170 £1,025 £827 Get Quote
3.0 M50d 5dr 48 £2,002 £1,170 £1,025 £827 Get Quote
xDrive 50i 407 Auto 5dr 49 £2,030 £1,194 £1,046 £844 Get Quote
M 5dr Auto 50 £2,058 £1,219 £1,068 £861 Get Quote
XDrive 48i M Sport Auto 50 £2,058 £1,219 £1,068 £861 Get Quote
4.4 V8 Auto 5dr 50 £2,058 £1,219 £1,068 £861 Get Quote
4.4 V8 Auto 5dr 50 £2,058 £1,219 £1,068 £861 Get Quote
M 555 Auto 5dr 50 £2,058 £1,219 £1,068 £861 Get Quote
xDrive M50d 381 Auto 5dr 50 £2,058 £1,219 £1,068 £861 Get Quote

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.

Which factors will affect the car insurance rate of my BMW x5?

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.

Where can I find BMW X5 insurance?

You can get car insurance for your BMW X5 from most leading insurers. BMW also provide annual car insurance and complimentary seven-day insurance. If you want to get cover for your BMW, you can compare insurance quotes by clicking the button below.

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, you’ll avoid paying any interest on the premium.
  • 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 £57,000.
  • 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.

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.

Bottom line

If you’re the owner of a BMW X5, avoid paying over the odds by auto renewing your policy with the same insurer.

With a little careful research and comparing the policies on offer, you could save money without compromising on protection.

Compare insurance for other BMW models

A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
Y

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site