BMW X5 insurance costs vary by model year, with 2026 models costing $251 monthly compared to $189 for a 2016 model. Newer BMW X5s cost more to insure due to their higher market values.
BMW X5 Insurance Cost
Key Takeaways
BMW X5 insurance costs an average of $182 monthly for full coverage and $94 for minimum coverage. GEICO offers the lowest rates. Read more
The X5 ranks 108th out of 256 SUVs for insurance affordability, placing it in the middle tier of its vehicle class. Among all 827 vehicles analyzed, it ranks 423rd overall, confirming moderate insurance costs for a luxury SUV. Read more
Check rates for your X5's specific model year to get accurate insurance costs. Read more
How Much Is BMW X5 Insurance?
2026 | $129 | $251 |
$121 | $237 | |
$117 | $228 | |
$81 | $158 | |
$76 | $149 | |
$64 | $125 | |
$121 | $236 | |
$110 | $214 | |
$104 | $204 | |
$102 | $199 | |
$97 | $189 | |
2015 | $92 | $178 |
2014 | $89 | $173 |
2013 | $80 | $155 |
2012 | $73 | $141 |
2011 | $74 | $144 |
2010 | $87 | $168 |
2009 | $84 | $163 |
2008 | $77 | $148 |
2007 | $75 | $145 |
2006 | $76 | $148 |
2005 | $72 | $139 |
2004 | $126 | $242 |
2003 | $118 | $227 |
2002 | $111 | $214 |
2001 | $84 | $162 |
2000 | $74 | $143 |
Looking for another BMW model? Read more about BMW insurance costs.
BMW X5 insurance costs depend on model year and insurer. Minimum coverage runs from $68 a month with GEICO to $144 with UAIC. Full coverage costs $149 a month with GEICO and climbs to $311 with AIG.
That $76 gap for minimum coverage and $162 gap for full coverage show how much rates differ by company. Insurers weigh the X5's repair costs and safety record differently, so your rate depends on which one you pick.
| AAA | $105 | $217 |
| AIG | $127 | $311 |
| Allstate | $124 | $240 |
| Amica | $119 | $243 |
| Chubb | $120 | $238 |
| Farmers | $136 | $239 |
| Geico | $68 | $149 |
| Kemper | $89 | $182 |
| Nationwide | $99 | $172 |
| Progressive | $93 | $175 |
| State Farm | $86 | $180 |
| The Hartford | $91 | $155 |
| Travelers | $81 | $150 |
| UAIC | $144 | $179 |
Is BMW X5 Expensive to Insure?
The BMW X5 ranks 108th out of 256 SUVs for insurance affordability, according to MoneyGeek's analysis, meaning 107 models cost less to insure. Its monthly rate falls within a few dollars of the Buick Envista and the Subaru Ascent, the two closest models in price on either side.
The X5 ranks 423rd out of 827 vehicles overall, in the more expensive half of all vehicles reviewed. SUVs tend to cost more to insure than sedans or compact cars, so this overall ranking matters when you set an insurance budget. The Isuzu Amigo has the lowest average premium among SUVs, and the Audi SQ8 e-tron has the highest.
| Cadillac SRX | $136 | 105 |
| Acura MDX | $137 | 106 |
| Buick Envista | $138 | 107 |
| BMW X5 | $138 | 108 |
| Subaru Ascent | $138 | 109 |
| Jeep Grand Cherokee | $138 | 110 |
| Mercedes R-Class | $139 | 111 |
| Buick Encore | $139 | 111 |
| Toyota bZ4X | $139 | 111 |
Several factors affect what you'll pay for BMW X5 insurance:
- Average Repair or Replacement Costs: BMW X5 maintenance costs average $2,163 a year, the eighth highest among 30 BMW models. That still puts it in BMW's cheaper half for maintenance costs.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 335 to 617, depending on trim, and higher-horsepower trims cost more to insure. The M50i and X5 M, the brand's highest-performance trims, carry the biggest premium increases.
- Driver Profile: Most BMW X5 owners are 35 to 55 years old with above-average incomes, which usually lowers rates. But the X5's performance reputation draws some risk-taking drivers, and insurers price that in. Read more about the costs of BMW X5s for young drivers.
BMW X5 Insurance Cost by State
BMW X5 minimum coverage costs range from just $39 monthly in Wyoming to $185 in Louisiana, depending on where you're located. These dramatic differences reflect your state's risk factors and insurance regulations rather than anything about the vehicle itself.
| Alabama | $80 | $151 |
| Alaska | $68 | $145 |
| Arizona | $113 | $211 |
| Arkansas | $75 | $167 |
| California | $89 | $179 |
| Colorado | $90 | $216 |
| Connecticut | $125 | $216 |
| Delaware | $125 | $209 |
| Florida | $113 | $260 |
| Georgia | $133 | $220 |
| Hawaii | $49 | $110 |
| Idaho | $50 | $100 |
| Illinois | $86 | $162 |
| Indiana | $60 | $117 |
| Iowa | $54 | $131 |
| Kansas | $68 | $159 |
| Kentucky | $115 | $196 |
| Louisiana | $185 | $395 |
| Maine | $49 | $103 |
| Maryland | $140 | $236 |
| Massachusetts | $96 | $203 |
| Michigan | $146 | $283 |
| Minnesota | $79 | $166 |
| Mississippi | $87 | $172 |
| Missouri | $115 | $228 |
| Montana | $71 | $168 |
| Nebraska | $68 | $156 |
| Nevada | $153 | $277 |
| New Hampshire | $65 | $116 |
| New Jersey | $148 | $244 |
| New Mexico | $75 | $168 |
| New York | $107 | $192 |
| North Carolina | $75 | $148 |
| North Dakota | $59 | $130 |
| Ohio | $69 | $134 |
| Oklahoma | $86 | $192 |
| Oregon | $105 | $183 |
| Pennsylvania | $83 | $194 |
| Rhode Island | $113 | $203 |
| South Carolina | $91 | $169 |
| South Dakota | $54 | $169 |
| Tennessee | $73 | $148 |
| Texas | $115 | $234 |
| Utah | $96 | $164 |
| Vermont | $45 | $106 |
| Virginia | $88 | $143 |
| Washington | $82 | $152 |
| West Virginia | $83 | $170 |
| Wisconsin | $61 | $133 |
| Wyoming | $39 | $121 |
BMW X5 Costs by Model Year and Insurance Company
Newer BMW X5 models cost more to insure than older ones, and your age affects rates across all model years. A 35- to 55-year-old driver pays $213 monthly for full coverage on a 2017 BMW X5 compared to $277 for a 2026 model. Young drivers in their teens and early twenties face much steeper premiums regardless of which year they're insuring.
You'll find savings opportunities when you shop between insurers for your BMW X5 coverage. Progressive offers the cheapest rates across all model years and could save certain drivers hundreds of dollars monthly versus average costs.
- 2026 BMW X5 Insurance Rates
- 2025 BMW X5 Insurance Rates
- 2024 BMW X5 Insurance Rates
- 2023 BMW X5 Insurance Rates
- 2022 BMW X5 Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW X5
| Geico | $94 | $207 |
| Progressive | $99 | $185 |
| National General | $105 | $215 |
| Travelers | $106 | $199 |
| The Hartford | $110 | $187 |
| State Farm | $112 | $237 |
| Kemper | $115 | $234 |
| Nationwide | $120 | $209 |
| AAA | $137 | $285 |
| Amica | $152 | $312 |
| Allstate | $156 | $302 |
| AIG | $170 | $428 |
| UAIC | $173 | $220 |
| Chubb | $179 | $359 |
| Farmers | $195 | $340 |
Cost of Car Insurance for 2024 BMW X5
| Geico | $91 | $199 |
| Progressive | $95 | $178 |
| National General | $101 | $207 |
| Travelers | $102 | $192 |
| The Hartford | $106 | $180 |
| State Farm | $108 | $228 |
| Kemper | $111 | $225 |
| Nationwide | $115 | $201 |
| AAA | $132 | $275 |
| Amica | $146 | $300 |
| Allstate | $151 | $291 |
| AIG | $163 | $412 |
| UAIC | $166 | $212 |
| Chubb | $172 | $346 |
| Farmers | $187 | $327 |
Cost of Car Insurance for 2023 BMW X5
| Geico | $63 | $138 |
| Progressive | $66 | $123 |
| National General | $70 | $143 |
| Travelers | $71 | $133 |
| The Hartford | $73 | $125 |
| State Farm | $75 | $158 |
| Kemper | $77 | $156 |
| Nationwide | $80 | $139 |
| AAA | $91 | $190 |
| Amica | $101 | $208 |
| Allstate | $104 | $201 |
| AIG | $113 | $285 |
| UAIC | $115 | $147 |
| Chubb | $119 | $239 |
| Farmers | $130 | $226 |
Cost of Car Insurance for 2022 BMW X5
| Geico | $59 | $130 |
| Progressive | $62 | $116 |
| National General | $66 | $135 |
| Travelers | $67 | $125 |
| The Hartford | $69 | $118 |
| State Farm | $71 | $149 |
| Kemper | $72 | $147 |
| Nationwide | $75 | $131 |
| AAA | $86 | $180 |
| Amica | $95 | $196 |
| Allstate | $98 | $190 |
| AIG | $107 | $269 |
| UAIC | $109 | $138 |
| Chubb | $113 | $226 |
| Farmers | $122 | $214 |
Cost of Car Insurance for 2021 BMW X5
| Geico | $50 | $109 |
| Progressive | $52 | $97 |
| National General | $55 | $113 |
| Travelers | $56 | $105 |
| The Hartford | $58 | $99 |
| State Farm | $59 | $125 |
| Kemper | $61 | $123 |
| Nationwide | $63 | $110 |
| AAA | $72 | $150 |
| Amica | $80 | $164 |
| Allstate | $82 | $159 |
| AIG | $89 | $225 |
| UAIC | $91 | $116 |
| Chubb | $94 | $189 |
| Farmers | $102 | $179 |
Cost of Car Insurance for 2020 BMW X5
| Geico | $90 | $196 |
| National General | $100 | $205 |
| Travelers | $104 | $194 |
| Kemper | $106 | $221 |
| State Farm | $110 | $231 |
| The Hartford | $114 | $194 |
| Progressive | $119 | $224 |
| Nationwide | $126 | $219 |
| UAIC | $136 | $168 |
| AAA | $140 | $293 |
| Chubb | $146 | $295 |
| Allstate | $156 | $303 |
| Amica | $165 | $339 |
| Farmers | $172 | $302 |
| AIG | $174 | $436 |
Cost of Car Insurance for 2019 BMW X5
| Geico | $83 | $182 |
| National General | $85 | $175 |
| Travelers | $97 | $179 |
| State Farm | $99 | $207 |
| Kemper | $103 | $214 |
| The Hartford | $108 | $184 |
| Progressive | $114 | $215 |
| Nationwide | $118 | $205 |
| AAA | $127 | $264 |
| Allstate | $132 | $256 |
| UAIC | $133 | $165 |
| Chubb | $134 | $269 |
| Amica | $139 | $285 |
| AIG | $154 | $385 |
| Farmers | $165 | $289 |
Cost of Car Insurance for 2018 BMW X5
| Geico | $75 | $165 |
| Travelers | $84 | $156 |
| National General | $90 | $185 |
| Progressive | $98 | $185 |
| State Farm | $105 | $219 |
| Nationwide | $105 | $183 |
| Kemper | $107 | $222 |
| The Hartford | $110 | $187 |
| Chubb | $125 | $253 |
| AAA | $130 | $270 |
| Allstate | $131 | $254 |
| UAIC | $138 | $171 |
| Amica | $144 | $295 |
| AIG | $155 | $382 |
| Farmers | $157 | $276 |
Cost of Car Insurance for 2017 BMW X5
| National General | $77 | $157 |
| Geico | $79 | $172 |
| Travelers | $79 | $146 |
| The Hartford | $103 | $175 |
| Kemper | $106 | $219 |
| Nationwide | $108 | $187 |
| Progressive | $108 | $203 |
| State Farm | $108 | $226 |
| AAA | $112 | $232 |
| Chubb | $115 | $231 |
| Allstate | $119 | $230 |
| Amica | $120 | $246 |
| AIG | $135 | $333 |
| UAIC | $144 | $179 |
| Farmers | $148 | $262 |
Cost of Car Insurance for 2016 BMW X5
| National General | $70 | $144 |
| Geico | $74 | $161 |
| Travelers | $81 | $150 |
| State Farm | $100 | $209 |
| The Hartford | $101 | $172 |
| Kemper | $102 | $209 |
| Progressive | $104 | $195 |
| AAA | $107 | $222 |
| Nationwide | $107 | $186 |
| Amica | $110 | $226 |
| Chubb | $110 | $220 |
| Allstate | $116 | $223 |
| AIG | $129 | $319 |
| Farmers | $137 | $242 |
| UAIC | $141 | $175 |
BMW X5 Insurance Cost by Trim
BMW X5 insurance costs vary by trim, with high-performance variants like the 4.6is Sport Utility 4d costing $302 monthly for full coverage compared to $70 for minimum coverage on basic Xdrive45e models. Performance features and market value determine where your specific trim falls in this range.
| Xdrive45e Sport Utility 4d | $70 | $137 |
| Xdrive35i Premium Sport Utility 4d | $73 | $142 |
| 4.8i Sport Utility 4d | $76 | $146 |
| Sdrive40i Sport Utility 4d | $76 | $148 |
| 3.0si Sport Utility 4d | $77 | $148 |
| Xdrive35i Sport Activity Sport Utility 4d | $80 | $155 |
| Xdrive30i Sport Utility 4d | $83 | $160 |
| 4.4i Sport Utility 4d | $83 | $161 |
| Xdrive48i Sport Utility 4d | $87 | $168 |
| Xdrive40i Sport Utility 4d | $87 | $170 |
| 3.0i Sport Utility 4d | $87 | $168 |
| Xdrive40e Sport Utility 4d | $88 | $172 |
| Xdrive35i Sport Utility 4d | $90 | $174 |
| Xdrive35d Sport Utility 4d | $91 | $177 |
| Xdrive50i Sport Utility 4d | $92 | $180 |
| Sdrive35i Sport Utility 4d | $98 | $192 |
| M50i Sport Utility 4d | $99 | $194 |
| Xdrive40e Iperformance Sport Utility 4d | $100 | $194 |
| Sdrive40i | $108 | $211 |
| 4.8is Sport Utility 4d | $110 | $213 |
| Xdrive40i | $113 | $220 |
| Xdrive50e | $120 | $235 |
| M60i | $148 | $289 |
| 4.6is Sport Utility 4d | $157 | $302 |
How to Lower the Cost of BMW X5 Insurance
We've compiled proven strategies to help you find affordable BMW X5 insurance rates:
- 1Choose the right coverage
Decide how much coverage to buy for your BMW X5 based on your ownership situation. If you own your vehicle outright, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want more protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance from your lender.
- 2Research costs and cheap companies
Check average auto insurance costs for luxury SUVs like the X5 to see what you should pay. Use that benchmark to find the cheapest car insurance companies with competitive rates. Knowing typical costs for your vehicle class helps you spot real savings when you compare quotes from different insurers.
- 3Look for more than just low rates
Good car insurance means more than a low quote. Check J.D. Power satisfaction ratings, read claims-processing reviews, look up Better Business Bureau complaints, and check AM Best's financial strength rating for each insurer. Budget insurers may offer limited coverage or slower service when you file a claim.
- 4Check discounts you qualify for
Find car insurance discounts for your BMW X5. Luxury SUV owners often qualify for safety-feature discounts, anti-theft device savings, multi-policy discounts for bundling auto and home insurance, and good-driver rewards. Multi-vehicle discounts can also lower costs for families with multiple cars.
- 5Consider alternative car insurance types
BMW X5 owners may benefit from usage-based insurance programs that track driving habits and lower premiums for safe drivers. Progressive Snapshot and Allstate Drivewise are two examples that monitor your actual driving behavior. These programs can save careful, low-mileage drivers a large amount on their luxury vehicle's premium.
- 6Check rates every year
Get car insurance quotes from multiple companies every year to make sure you're getting the best deal. Your current insurer won't tell you when competitors lower their prices, so comparing rates regularly could save you up to 24% on BMW X5 insurance. Set a calendar reminder to check rates each renewal period.
BMW X5 Insurance Cost: Bottom Line
BMW X5 insurance costs average compared to other vehicles, but you can still secure decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you find the best insurance rate.
BMW X5 Insurance Rates: FAQ
BMW X5 insurance costs average $1,125 annually for state minimum coverage and $2,185 for full coverage. Monthly premiums run about $94 for minimum and $182 for comprehensive protection.
GEICO provides the most affordable auto insurance for a BMW X5 at $819 annually for minimum coverage. BMW X5 owners seeking full coverage will also find GEICO offers the best rates at $1,782 per year.
No, BMW X5 insurance is not more expensive than most vehicles. Among SUVs, this model ranks 108th out of 256 for affordability, while sitting at 423rd out of 827 vehicles overall.
Several factors affect BMW X5 insurance rates. Luxury vehicle costs matter most: high-end parts make repairs expensive, and luxury SUVs deal with higher theft risk, which insurers price into your premium. Advanced safety features help lower accident claims. Your driving record, credit score, and coverage choices also affect your final rate.
Compare quotes from multiple insurers, since BMW X5 pricing varies by company, and explore usage-based programs that track your driving. Claim available discounts, bundle with home or renters insurance, and keep a clean driving record to get the most competitive rates.
How We Determined BMW X5 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate BMW X5 insurance costs.
Who We Based These Rates On
These BMW X5 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record, no tickets or crashes
- Credit score in a good range
- Has never filed an insurance claim
- Drives about 12,000 miles a year
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability plus comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.