Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used BMW X5? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW X5 insurance facts

  • Average full coverage auto insurance premium: $181/month

  • Most affordable companies: Texas Farm Bureau ($135/month) & State Farm ($141/month)

  • X5 car insurance cost vs. average rate: $19 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW X5 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average BMW X5 insurer costs by state:

Risk factors affecting BMW X5 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW X5 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average X5 repair costs equal higher car insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW X5 affecting auto policies

Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2598
Allstate$2280
Erie$2186
GEICO$2130
Kentucky Farm Bureau$2530
Liberty Mutual$1800
Mercury$1734
Nationwide$2419
Progressive$1835
Safeco$2742
State Farm$1687
Tennessee Farmers$2147
Texas Farm Bureau$1625
The Hanover$2571
Travelers$2316
USAA$1942

Compare all 2021 BMW X5 rates

Average Cost to Insure Per Year

$2183

List Price

$59400

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive40e iPerformance - xDrive50i - Base Engine: Turbocharged 3.0-liter six-cylinder engine (335 horsepower, 330 lb-ft) with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2263
Allstate$2039
American Family$1511
Erie$2037
Farmers$2180
GEICO$1925
Liberty Mutual$1634
Mercury$1516
Nationwide$2084
Progressive$1724
State Farm$1402
Tennessee Farmers$2016
Texas Farm Bureau$1369
The Hanover$2240
Travelers$2043
USAA$1851

Compare all 2020 BMW X5 rates

Average Cost to Insure Per Year

$2170

List Price

$58900

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive40e iPerformance - xDrive50i - Base Engine: Turbocharged 3.0-liter six-cylinder engine (335 horsepower, 330 lb-ft) with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2240
Allstate$1862
American Family$1425
Erie$1832
GEICO$1664
Kentucky Farm Bureau$2171
Liberty Mutual$1520
Mercury$1467
Nationwide$2034
Progressive$1587
State Farm$1366
Tennessee Farmers$1781
Texas Farm Bureau$1354
The Hanover$2234
Travelers$1926
USAA$1609

Compare all 2019 BMW X5 rates

Average Cost to Insure Per Year

$2168

List Price

$60700

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive40e iPerformance - xDrive50i - Base Engine: Turbocharged 3.0-liter six-cylinder engine (335 horsepower, 330 lb-ft) with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1517
Acuity$ 1517
Allied$ 1559
Allied$ 1559
Arbella$ 1759
Arbella$ 1759
Erie$ 1410
Erie$ 1410
Mercury$ 1639
Mercury$ 1639
Nationwide$ 1523
Nationwide$ 1523
Plymouth Rock Insurance$ 1651
Plymouth Rock Insurance$ 1651
Progressive$ 1292
Progressive$ 1292
State Farm$ 1678
State Farm$ 1678
Tennessee Farmers$ 1212
Tennessee Farmers$ 1212
USAA$ 1483
USAA$ 1483
Vermont Mutual$ 1613
Vermont Mutual$ 1613

Compare all 2018 BMW X5 rates

Average Cost to Insure Per Year

$ 1919

List Price

$ 57200

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive40e iPerformance - xDrive50i

2017 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1513
Acuity$ 1513
Allied$ 1639
Allied$ 1639
Country$ 1676
Country$ 1676
Erie$ 1380
Erie$ 1380
GEICO$ 1497
GEICO$ 1497
Mercury$ 1612
Mercury$ 1612
Nationwide$ 1605
Nationwide$ 1605
Plymouth Rock Insurance$ 1622
Plymouth Rock Insurance$ 1622
Progressive$ 1305
Progressive$ 1305
State Farm$ 1611
State Farm$ 1611
USAA$ 1544
USAA$ 1544
Vermont Mutual$ 1563
Vermont Mutual$ 1563

Compare all 2017 BMW X5 rates

Average Cost to Insure Per Year

$ 2169

List Price

$ 56600

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive40e iPerformance - xDrive50i

2016 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1472
Acuity$ 1472
Allied$ 1666
Allied$ 1666
Arbella$ 1603
Arbella$ 1603
Country$ 1627
Country$ 1627
Erie$ 1345
Erie$ 1345
Mercury$ 1610
Mercury$ 1610
Nationwide$ 1734
Nationwide$ 1734
Plymouth Rock Insurance$ 1570
Plymouth Rock Insurance$ 1570
Progressive$ 1532
Progressive$ 1532
Tennessee Farmers$ 1142
Tennessee Farmers$ 1142
USAA$ 1539
USAA$ 1539
Vermont Mutual$ 1497
Vermont Mutual$ 1497

Compare all 2016 BMW X5 rates

Average Cost to Insure Per Year

$ 2608

List Price

$ 54700

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive40e - xDrive50i

2015 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1426
Acuity$ 1426
Allied$ 1527
Allied$ 1527
Arbella$ 1631
Arbella$ 1631
Country$ 1582
Country$ 1582
Erie$ 1235
Erie$ 1235
Mercury$ 1565
Mercury$ 1565
Nationwide$ 1618
Nationwide$ 1618
Plymouth Rock Insurance$ 1508
Plymouth Rock Insurance$ 1508
Progressive$ 1552
Progressive$ 1552
Tennessee Farmers$ 1410
Tennessee Farmers$ 1410
USAA$ 1349
USAA$ 1349
Vermont Mutual$ 1456
Vermont Mutual$ 1456

Compare all 2015 BMW X5 rates

Average Cost to Insure Per Year

$ 2337

List Price

$ 53900

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive50i

2014 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1403
Acuity$ 1403
Allied$ 1606
Allied$ 1606
Arbella$ 1597
Arbella$ 1597
Country$ 1581
Country$ 1581
Erie$ 1313
Erie$ 1313
GEICO$ 1679
GEICO$ 1679
Mercury$ 1566
Mercury$ 1566
Plymouth Rock Insurance$ 1490
Plymouth Rock Insurance$ 1490
Progressive$ 1564
Progressive$ 1564
Tennessee Farmers$ 1406
Tennessee Farmers$ 1406
USAA$ 1367
USAA$ 1367
Vermont Mutual$ 1419
Vermont Mutual$ 1419

Compare all 2014 BMW X5 rates

Average Cost to Insure Per Year

$ 2435

List Price

$ 52800

Trims Available

sDrive35i - xDrive35i - xDrive35d - xDrive50i

2013 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1302
Acuity$ 1302
Allied$ 1495
Allied$ 1495
Arbella$ 1501
Arbella$ 1501
Erie$ 1020
Erie$ 1020
GEICO$ 1108
GEICO$ 1108
Nationwide$ 1434
Nationwide$ 1434
Plymouth Rock Insurance$ 1373
Plymouth Rock Insurance$ 1373
Progressive$ 1155
Progressive$ 1155
State Farm$ 1238
State Farm$ 1238
Tennessee Farmers$ 1310
Tennessee Farmers$ 1310
USAA$ 1090
USAA$ 1090
Vermont Mutual$ 1297
Vermont Mutual$ 1297

Compare all 2013 BMW X5 rates

Average Cost to Insure Per Year

$ 1688

List Price

$ 47500

Trims Available

xDrive35i - xDrive35i Premium - xDrive35d - xDrive35i Sport Activity - xDrive50i

2012 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1200
Acuity$ 1200
Arbella$ 1430
Arbella$ 1430
Country$ 1406
Country$ 1406
Erie$ 976
Erie$ 976
GEICO$ 955
GEICO$ 955
Nationwide$ 1470
Nationwide$ 1470
Plymouth Rock Insurance$ 1336
Plymouth Rock Insurance$ 1336
Progressive$ 1130
Progressive$ 1130
State Farm$ 1259
State Farm$ 1259
Tennessee Farmers$ 1237
Tennessee Farmers$ 1237
USAA$ 1039
USAA$ 1039
Vermont Mutual$ 1187
Vermont Mutual$ 1187

Compare all 2012 BMW X5 rates

Average Cost to Insure Per Year

$ 1629

List Price

$ 47500

Trims Available

xDrive35i - xDrive35i Premium - xDrive35d - xDrive35i Sport Activity - xDrive50i

2011 BMW X5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1402
Acuity$ 1402
American Family$ 1431
American Family$ 1431
Arbella$ 1217
Arbella$ 1217
Country$ 1364
Country$ 1364
Erie$ 1034
Erie$ 1034
GEICO$ 1178
GEICO$ 1178
Plymouth Rock Insurance$ 1334
Plymouth Rock Insurance$ 1334
Progressive$ 1317
Progressive$ 1317
Southern Farm Bureau$ 1434
Southern Farm Bureau$ 1434
Tennessee Farmers$ 1206
Tennessee Farmers$ 1206
USAA$ 1059
USAA$ 1059
Vermont Mutual$ 1116
Vermont Mutual$ 1116

Compare all 2011 BMW X5 rates

Average Cost to Insure Per Year

$ 1912

List Price

$ 46300

Trims Available

xDrive35i - xDrive35d - xDrive35i Premium - xDrive35i Sport Activity - xDrive50i