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.

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Updated: 02 April 2024
Written by
Bob Phillips
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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

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.

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