BMW X5 insurance groups and cost

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

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BMW X5 models range from insurance groups 37 to 50, so the cost of insurance can vary significantly depending on which model you have.

BMW X5 insurance groups and cost

In the table below, we show you the insurance group for different BMW X5 model versions alongside the likely premiums for different age ranges.

Model / VersionGroup (1-50)Age 20yrsAge 30yrsAge 40yrsAge 50yrsLink
BMW X5 4x4 (2013 - 2018) SE sDrive25d (231bhp) SE (7 Seat) 5d Auto37£2,172.92£1,067.37£933.26£896.05Get Quote
BMW X5 4x4 (2013 - 2018) M Sport xDrive25d (231bhp) M Sport (7 Seat) 5d Auto38£1,992.12£1,028.10£890.79£870.50Get Quote
BMW X5 4x4 (2013 - 2018) M Sport xDrive25d (231bhp) M Sport 5d Auto38£1,992.12£1,028.10£890.79£870.50Get Quote
BMW X5 Estate (2007 - 2013) M Sport 3.0si M Sport (7 Seat) 5d Auto40£2,497.85£1,182.11£1,154.65£1,006.90Get Quote
BMW X5 4x4 (2013 - 2018) SE sDrive25d SE (7 Seat) 5d Auto41£4,976.17£1,537.43£1,223.63£1,173.91Get Quote
BMW X5 4x4 (2013 - 2018) SE sDrive25d SE 5d Auto41£4,976.17£1,537.43£1,223.63£1,173.91Get Quote
BMW X5 4x4 (2013 - 2018) SE xDrive40e SE 5d Auto41£4,976.17£1,537.43£1,223.63£1,173.91Get Quote
BMW X5 4x4 (2013 - 2018) SE xDrive25d SE (7 Seat) 5d Auto42£6,986.31£1,338.71£1,340.77£1,134.04Get Quote
BMW X5 Estate (2007 - 2013) SE xDrive30d SE (Dynamic) 5d Auto42£6,986.31£1,338.71£1,340.77£1,134.04Get Quote
BMW X5 Estate (2007 - 2013) SE xDrive30d SE 5d Auto42£6,986.31£1,338.71£1,340.77£1,134.04Get Quote
BMW X5 4x4 (2018 onwards) xLine xDrive30d MHT xLine Auto [7 Seat] 5d43£1,991.61£1,043.65£842.46£826.48Get Quote
BMW X5 4x4 (2018 onwards) xLine xDrive30d MHT xLine Auto 5d43£1,991.61£1,043.65£842.46£826.48Get Quote
BMW X5 Estate (2007 - 2013) SE xDrive30i SE (Dynamic) (7 Seat) 5d Auto43£1,991.61£1,043.65£842.46£826.48Get Quote
BMW X5 4x4 (2013 - 2018) M Sport xDrive40d M Sport 5d Auto44£6,571.27£1,623.70£1,309.63£1,058.60Get Quote
BMW X5 Estate (2007 - 2013) M Sport 30d xDrive M Sport 5d Auto44£6,571.27£1,623.70£1,309.63£1,058.60Get Quote
BMW X5 Estate (2000 - 2006) SE Exclusive Edition 3.0i SE Exclusive Edition 5d Auto44£6,571.27£1,623.70£1,309.63£1,058.60Get Quote
BMW X5 4x4 (2018 onwards) xLine xDrive30d MHT xLine 5dr Auto45£2,403.40£1,299.41£978.16£912.43Get Quote
BMW X5 Estate (2007 - 2013) SE xDrive40d SE (Dynamic) 5d Auto45£2,403.40£1,299.41£978.16£912.43Get Quote
BMW X5 Estate (2007 - 2013) SE xDrive40d SE 5d Auto45£2,403.40£1,299.41£978.16£912.43Get Quote
BMW X5 Estate (2000 - 2006) 4.4i V8 5d Auto (00)45£2,403.40£1,299.41£978.16£912.43Get Quote
BMW X5 4x4 (2018 onwards) xLine xDrive40i MHT xLine 5dr Auto [7 Seat]46£2,460.13£1,350.17£1,076.48£989.03Get Quote
BMW X5 4x4 (2018 onwards) xLine xDrive40i xLine Sport Automatic (Third-row Seating) 5d46£2,460.13£1,350.17£1,076.48£989.03Get Quote
BMW X5 Estate (2007 - 2013) SE xDrive35d SE (Dynamic) (7 Seat) 5d Auto46£2,460.13£1,350.17£1,076.48£989.03Get Quote
BMW X5 4x4 (2018 onwards) M Sport xDrive30d MHT M Sport 5dr Auto [7 Seat]47£5,754.09£1,554.28£1,237.96£1,084.25Get Quote
BMW X5 Estate (2007 - 2013) SE 4.8i SE 5d Auto47£5,754.09£1,554.28£1,237.96£1,084.25Get Quote
BMW X5 Estate (2000 - 2006) SE 4.4i V8 SE 5d Auto (03)47£5,754.09£1,554.28£1,237.96£1,084.25Get Quote
BMW X5 4x4 (2018 onwards) M Sport xDrive40d MHT M Sport Auto [Plus Pack] 5d48£5,802.56£1,613.85£1,229.46£1,242.81Get Quote
BMW X5 4x4 (2018 onwards) M Sport xDrive40d MHT M Sport Auto [Tech/Plus Pack] 5d48£5,802.56£1,613.85£1,229.46£1,242.81Get Quote
BMW X5 Estate (2007 - 2013) M Sport xDrive50i M Sport (7 Seat) 5d Auto48£5,802.56£1,613.85£1,229.46£1,242.81Get Quote
BMW X5 Estate (2007 - 2013) M Sport xDrive50i M Sport 5d Auto48£5,802.56£1,613.85£1,229.46£1,242.81Get Quote
BMW X5 4x4 (2018 onwards) M Sport xDrive50e M Sport 5dr Auto [Pro Pack]49£7,917.72£1,669.14£1,383.80£1,133.85Get Quote
BMW X5 4x4 (2018 onwards) M Sport xDrive50e M Sport 5dr Auto [Tech Pack]49£7,917.72£1,669.14£1,383.80£1,133.85Get Quote
BMW X5 4x4 (2018 onwards) M Sport xDrive50e M Sport 5dr Auto [Tech/Pro Pack]49£7,917.72£1,669.14£1,383.80£1,133.85Get Quote
BMW X5 Estate (2000 - 2006) S 4.6iS V8 5d Auto49£7,917.72£1,669.14£1,383.80£1,133.85Get Quote
BMW X5 Estate (2000 - 2006) Carbon Black 4.6iS Carbon Black Edition 5d Auto49£7,917.72£1,669.14£1,383.80£1,133.85Get Quote
BMW X5 M (2019 onwards) xDrive X5 M Competition 5dr Step Auto50£7,121.14£1,412.48£1,108.35£1,076.97Get Quote
BMW X5 Estate (2000 - 2006) 4.8is 5d Auto50£7,121.14£1,412.48£1,108.35£1,076.97Get Quote
BMW X5 Estate (2000 - 2006) Exclusive Edition 4.8is Exclusive Edition 5d Auto50£7,121.14£1,412.48£1,108.35£1,076.97Get Quote

Average BMW X5 insurance cost

To provide you with an idea of how much it may cost you to insure your BMW X5, we ran several quotes to find an average figure. Based on our results, on average, you could insure your BMW X5 with a comprehensive policy for £2,148.26 yearly, or £183.98 paying monthly.

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BMW X5 insurance cost by location

The table above shows the average cost of BMW X5 insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a BMW X5 4x4 (2013 - 2018) SE sDrive25d (231bhp) SE (7 Seat) 5d Auto.

  • Expensive: £2,239.53 (London E10)
  • Mid-range: £1,067.37 (Chester CH1)
  • Cheap: £801.95 (Newquay TR8)

What factors affect my BMW X5 insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

How can I save on my BMW X5 premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

  • Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
  • Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
  • Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
  • Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
  • Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
  • Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of BMW X5 you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £558.49 to £16,359.52, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

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Danny was a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Danny has written 292 Finder guides across topics including:
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Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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