BMW X5 Car Insurance Cost
To insure a BMW X5, typically costs about $1,061 annually through Direct Auto. However, actual costs can vary based on factors like age, the model year of the car, and other considerations. You can utilize our quote tables below to get an accurate estimate of your insurance expenses.
If you’re thinking about buying a BMW X5, you’ll need to factor in the cost of insurance. Insurance is a crucial aspect of owning a car, and it’s essential to understand what you’re getting into before making a purchase.
Choosing the right car insurance policy is vital to avoid unexpected and potentially high expenses in the future. You don’t want to be caught with insufficient coverage in the event of an accident, which could leave you facing significant out-of-pocket costs. Additionally, if you’re at fault in an accident, you might see your premiums rise.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as age, driving history, and location can all have a significant impact on insurance premiums.
How Much Does BMW X5 Car Insurance Cost?
Typically, Direct Auto provides the most competitive price, averaging $1,061 annually for full coverage insurance on a 2024 BMW X5.
While Direct Auto’s pricing sets a good standard, it’s essential to recognize that car insurance expenses can fluctuate significantly based on various factors. These factors comprise your location, driving history, your vehicle’s model year, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a record of accidents or traffic violations can drive up your expenses.
Moreover, residing in urban areas with heavy traffic might lead to higher rates compared to rural locales with less congestion. The type of coverage you opt for will also influence your premium. Full coverage insurance, encompassing comprehensive and collision coverage, generally carries a higher cost than minimum liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring you secure the most advantageous deal.
2024 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,061 |
| Capital Insurance Group | $1,092 |
| Safeco | $1,330 |
| Unigard | $1,370 |
| Oregon Mutual | $1,500 |
| PEMCO | $1,598 |
| California Capital | $1,586 |
| Mercury | $1,776 |
| Mutual Of Enumclaw | $1,829 |
| Bristol West | $2,083 |
2023 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| National General | $945 |
| Capital Insurance Group | $1,127 |
| Dairyland | $1,395 |
| Oregon Mutual | $1,760 |
| PEMCO | $1,946 |
| Kemper Auto | Infinity | $2,025 |
| Unigard | $2,039 |
| California Capital | $2,113 |
| Auto-Owners Insurance Co | $2,222 |
| Mercury | $2,248 |
2022 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Victoria | $200 |
| Pekin Insurance | $668 |
| Titan | $920 |
| Concord Group | $904 |
| Virginia Farm Bureau | $1,089 |
| Direct Auto | $1,143 |
| Capital Insurance Group | $1,116 |
| Mercury Insurance | $1,309 |
| Texas Farm Bureau Group | $1,367 |
| Hastings Mutual Insurance Co | $1,430 |
2021 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $349 |
| Victoria | $365 |
| American National P | $614 |
| Buckeye Insurance Group | $1,052 |
| Titan | $1,120 |
| Virginia Farm Bureau | $1,184 |
| Capital Insurance Group | $1,413 |
| Clearcover | $1,428 |
| Texas Farm Bureau Group | $1,456 |
| Rural Mutual Insurance | $1,506 |
2020 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $154 |
| American National P | $603 |
| Kemper Auto Premier | $630 |
| Safeco | $744 |
| Pekin Insurance | $1,044 |
| Titan | $1,099 |
| Farm Bureau Mutual (IA Group) | $1,273 |
| SECURA Insurance | $1,439 |
| National General | $1,445 |
| Texas Farm Bureau Group | $1,530 |
2019 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $534 |
| American National P&C | $654 |
| SAFECO | $749 |
| Titan | $1,013 |
| Direct Auto | $1,095 |
| Mercury Insurance | $1,142 |
| Texas Farm Bureau Group | $1,284 |
| Utica National Ins Group | $1,293 |
| SECURA Insurance | $1,413 |
| North Carolina Farm Bureau | $1,499 |
2018 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $409 |
| American National P | $485 |
| Mercury Insurance | $677 |
| NatGen Value | $735 |
| Countryway Insurance | $949 |
| Concord Group | $938 |
| Indiana Farmers Mutual Ins | $1,016 |
| Safeco | $1,007 |
| Pekin Insurance | $1,080 |
| Buckeye Insurance Group | $1,145 |
2017 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $292 |
| SAFECO | $335 |
| American National P | $547 |
| NatGen Value | $890 |
| Infinity Special | $925 |
| Concord Group | $1,162 |
| Virginia Farm Bureau | $1,175 |
| Countryway Insurance | $1,198 |
| Texas Farm Bureau Group | $1,175 |
| National General RAD | $1,207 |
2016 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $506 |
| American National P&C | $535 |
| Kemper Premium | $565 |
| Kemper Auto | Infinity | $688 |
| Mercury Insurance | $761 |
| SAFECO | $765 |
| Titan | $1,045 |
| Tennessee Farmers | $1,052 |
| North Carolina Farm Bureau | $1,082 |
| Virginia Farm Bureau | $1,228 |
2015 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $404 |
| American National P | $461 |
| Mercury Insurance | $486 |
| Buckeye Insurance Group | $644 |
| Kemper Auto | Infinity | $800 |
| Virginia Farm Bureau | $975 |
| Ameriprise Group | $1,019 |
| North Carolina Farm Bureau | $1,085 |
| Patriot Group | $1,123 |
| Quincy Mutual | $1,135 |
2014 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $634 |
| American National P | $632 |
| Mercury Insurance Company | $850 |
| Ohio Mutual Ins Group | $967 |
| Direct Auto | $1,000 |
| Dairyland Scored | $997 |
| Rural Mutual Insurance | $1,133 |
| Mercury Insurance | $1,194 |
| SECURA Insurance | $1,222 |
| Western Reserve | $1,247 |
2013 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $314 |
| American National P | $768 |
| Jupiter Auto Insurance | $821 |
| SAFECO | $956 |
| Virginia Farm Bureau | $1,026 |
| Partners Mutual Insurance Co | $1,204 |
| General Casualty | $1,298 |
| SECURA Insurance | $1,369 |
| Kemper Auto | Infinity | $1,399 |
| Buckeye Insurance Group | $1,455 |
2012 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $52 |
| SAFECO | $509 |
| American National P | $719 |
| Virginia Farm Bureau | $1,027 |
| Countryway Insurance | $1,114 |
| Concord Group | $1,105 |
| North Carolina Farm Bureau | $1,208 |
| Buckeye Insurance Group | $1,237 |
| Titan | $1,225 |
| Mississippi Farm Bureau | $1,226 |
2011 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $176 |
| Dairyland FR Bond | $334 |
| National General RAD | $399 |
| SAFECO | $430 |
| American National P&C | $479 |
| American National P | $554 |
| National General Value | $639 |
| NatGen PPA | $702 |
| Kemper Auto Premium | $815 |
| Ohio Mutual Ins Group | $872 |
2010 BMW X5 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P&C | $559 |
| American National P | $583 |
| Direct Auto | $713 |
| North Carolina Farm Bureau | $1,076 |
| PEMCO | $1,124 |
| Texas Farm Bureau Group | $1,130 |
| NatGen Advantage | $1,128 |
| Buckeye Insurance Group | $1,132 |
| SECURA Insurance | $1,155 |
| Utica National Ins Group | $1,203 |
Cost of BMW X5 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,368 | $12,287 | $14,382 |
| 18 | $7,804 | $11,425 | $13,369 |
| 19 | $6,894 | $10,128 | $11,830 |
| 20 | $5,985 | $8,807 | $10,334 |
| 21 | $5,025 | $7,409 | $8,633 |
| 22 | $4,891 | $7,198 | $8,418 |
| 23 | $4,287 | $6,289 | $7,373 |
| 24 | $4,078 | $5,982 | $6,985 |
| 25 | $3,530 | $5,186 | $6,025 |
| 30 | $2,727 | $4,016 | $4,694 |
| 35 | $2,555 | $3,756 | $4,390 |
| 40 | $2,482 | $3,635 | $4,236 |
| 45 | $2,421 | $3,520 | $4,121 |
| 55 | $2,184 | $3,238 | $3,788 |
| 65 | $2,302 | $3,358 | $3,931 |
| 75 | $2,887 | $4,250 | $4,986 |
BMW X5 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,629 | $3,799 | $4,852 |
| Alaska | $2,154 | $3,017 | $2,935 |
| Arizona | $2,443 | $3,532 | $5,221 |
| Arkansas | $2,692 | $4,198 | $4,646 |
| California | $3,004 | $5,265 | $3,006 |
| Colorado | $2,768 | $3,919 | $4,954 |
| Connecticut | $3,560 | $5,513 | $7,018 |
| Delaware | $2,965 | $3,939 | $5,057 |
| Florida | $3,495 | $4,854 | $6,306 |
| Hawaii | $1,129 | $1,547 | $1,132 |
| Idaho | $1,986 | $2,647 | $3,202 |
| Illinois | $2,076 | $3,161 | $3,596 |
| Indiana | $2,147 | $3,275 | $3,656 |
| Iowa | $1,708 | $2,317 | $2,713 |
| Kansas | $2,264 | $3,254 | $3,817 |
| Kentucky | $3,271 | $4,769 | $5,658 |
| Louisiana | $4,193 | $6,330 | $6,861 |
| Maine | $1,563 | $2,162 | $3,207 |
| Maryland | $2,565 | $3,707 | $4,139 |
| Massachusetts | $2,035 | $3,564 | $2,043 |
| Michigan | $4,959 | $7,552 | $11,891 |
| Minnesota | $2,018 | $2,732 | $3,802 |
| Mississippi | $2,464 | $3,502 | $3,532 |
| Missouri | $2,336 | $3,296 | $4,362 |
| Montana | $2,373 | $3,305 | $3,822 |
| Nebraska | $2,003 | $2,962 | $3,194 |
| Nevada | $3,275 | $4,852 | $5,161 |
| New Hampshire | $2,274 | $3,619 | $4,563 |
| New Jersey | $2,527 | $3,942 | $5,178 |
| New Mexico | $2,581 | $3,824 | $3,974 |
| New York | $2,388 | $3,005 | $5,008 |
| North Carolina | $1,484 | $2,523 | $1,817 |
| North Dakota | $2,022 | $3,051 | $3,645 |
| Ohio | $1,800 | $2,782 | $2,836 |
| Oklahoma | $2,884 | $4,114 | $4,613 |
| Oregon | $2,612 | $3,510 | $4,179 |
| Pennsylvania | $2,206 | $3,215 | $3,771 |
| Rhode Island | $3,657 | $5,377 | $6,084 |
| South Carolina | $2,498 | $3,451 | $4,769 |
| South Dakota | $2,250 | $3,230 | $3,733 |
| Tennessee | $2,655 | $3,871 | $5,158 |
| Texas | $2,671 | $3,820 | $4,768 |
| Utah | $2,269 | $3,182 | $4,354 |
| Vermont | $1,732 | $2,681 | $2,818 |
| Virginia | $1,643 | $2,497 | $2,458 |
| Washington | $2,165 | $2,927 | $3,520 |
| West Virginia | $2,190 | $3,135 | $3,926 |
| Wisconsin | $2,162 | $3,385 | $3,889 |
| Wyoming | $2,020 | $2,854 | $3,037 |
| Georgia | $2,875 | $4,281 | $4,302 |
Compare BMW X5 To Other BMW Models
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X7 Car Insurance
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- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
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- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
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- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
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FAQs
Who has the cheapest car insurance for a BMW X5?
For the 2024 model year, Direct Auto offers the most affordable car insurance for the BMW X5.
Which company offers the best car insurance for a BMW X5?
Considering their combination of competitive pricing, extensive coverage options, and top-notch customer service, we endorse Direct Auto as the best choice for insuring a BMW X5.
