BMW X5 Insurance Cost

Full coverage for a BMW X5 costs about $1,690 a year ($141/month) by our estimate — ▲ +6% versus the average vehicle, ranking 176th cheapest of 310 current models.

BMW X5 exterior (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

BMW X5 insurance cost at a glance

Full coverage

$1,690

$141/mo · $1,385–$1,995

Minimum liability

$545

$45/mo

Segment

Luxury SUV

Gasoline, Hybrid, Plug-in hybrid, Diesel

HLDI collision losses

120

Worse than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the BMW X5.

Estimated BMW X5 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$545	$45	$445–$640
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$790	$66	$645–$930
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,690	$141	$1,385–$1,995

What drives the cost of insuring a BMW X5

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The BMW X5's results put our vehicle factor at 0.89× for liability, 1.23× for collision and 1.40× for comprehensive.

HLDI relative insurance losses — BMW X5 4dr (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	120	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	142	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	86	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	81	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	61	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	90	Better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
BMW X5 4dr	120	142	86	81
BMW X5 4dr 4WD	122	162	86	62
BMW X5 plug-in hybrid 4dr 4WD	120	138	83	64
BMW X5 M 4dr 4WD	246	398	93	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 7 NHTSA recall campaigns and 83 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

BMW X5 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
X5 40 xDrive	AWD	3.0L 6-cyl Turbo Hybrid	26

BMW X5 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	3.0L 6-cyl Turbo Hybrid	AWD	26	$1,690
2026	3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo Hybrid	AWD, RWD	15–25	$1,650
2025	3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo Hybrid	AWD, RWD	15–25	$1,610
2024	3.0L 6-cyl Turbo Hybrid, 4.4L 8-cyl Turbo Hybrid	AWD, RWD	15–25	$1,570
2023	3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo	AWD, RWD	15–23	$1,530
2022	3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo	AWD, RWD	15–23	$1,490
2021	3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo	AWD, RWD	15–23	$1,445
2020	3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo	AWD, RWD	15–23	$1,405
2019	3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo	AWD	19–22	$1,365
2018	2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel	AWD, RWD	16–25	$1,325
2017	2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel	AWD, RWD	16–25	$1,285
2016	2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel	AWD, RWD	16–25	$1,245
2015	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.4L 8-cyl Turbo	AWD, RWD	16–27	$1,240
2014	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.4L 8-cyl Turbo	AWD, RWD	17–26	$1,240
2013	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.4L 8-cyl Turbo	AWD	14–22	$1,240
2012	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.4L 8-cyl Turbo	AWD	14–21	$1,240
2011	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 4.4L 8-cyl Turbo	AWD	14–22	$1,240
2010	3.0L 6-cyl, 3.0L 6-cyl Turbo Diesel, 4.4L 8-cyl Turbo	AWD	14–22	$1,240
2009	3.0L 6-cyl, 3.0L 6-cyl Diesel, 4.8L 8-cyl	4WD/AWD, AWD	16–22	$1,240
2008	3.0L 6-cyl, 4.8L 8-cyl	4WD/AWD	16–18	$1,240

BMW X5 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the X5 page for that state.

State	Full coverage	Minimum	vs. national	X5 page
Alabama	$1,510	$425	−11%	X5 in AL
Alaska	$1,480	$550	−12%	X5 in AK
Arizona	$1,770	$585	+5%	X5 in AZ
Arkansas	$1,555	$395	−8%	X5 in AR
California	$1,660	$505	−2%	X5 in CA
Colorado	$1,985	$575	+17%	X5 in CO
Connecticut	$1,745	$630	+3%	X5 in CT
Delaware	$1,805	$710	+7%	X5 in DE
District of Columbia	$2,135	$655	+26%	X5 in DC
Florida	$2,285	$955	+35%	X5 in FL
Georgia	$2,020	$770	+20%	X5 in GA
Hawaii	$1,170	$385	−31%	X5 in HI
Idaho	$1,160	$355	−31%	X5 in ID
Illinois	$1,485	$440	−12%	X5 in IL
Indiana	$1,225	$360	−28%	X5 in IN
Iowa	$1,235	$275	−27%	X5 in IA
Kansas	$1,435	$355	−15%	X5 in KS
Kentucky	$1,420	$465	−16%	X5 in KY
Louisiana	$2,325	$700	+38%	X5 in LA
Maine	$1,100	$375	−35%	X5 in ME
Maryland	$1,865	$665	+10%	X5 in MD
Massachusetts	$1,655	$525	−2%	X5 in MA
Michigan	$1,850	$680	+9%	X5 in MI
Minnesota	$1,470	$415	−13%	X5 in MN
Mississippi	$1,665	$470	−1%	X5 in MS
Missouri	$1,580	$455	−7%	X5 in MO
Montana	$1,440	$350	−15%	X5 in MT
Nebraska	$1,435	$355	−15%	X5 in NE
Nevada	$1,825	$765	+8%	X5 in NV
New Hampshire	$1,220	$355	−28%	X5 in NH
New Jersey	$1,945	$830	+15%	X5 in NJ
New Mexico	$1,545	$460	−9%	X5 in NM
New York	$2,190	$825	+30%	X5 in NY
North Carolina	$1,310	$395	−22%	X5 in NC
North Dakota	$1,180	$245	−30%	X5 in ND
Ohio	$1,230	$360	−27%	X5 in OH
Oklahoma	$1,595	$415	−6%	X5 in OK
Oregon	$1,465	$555	−13%	X5 in OR
Pennsylvania	$1,515	$375	−10%	X5 in PA
Rhode Island	$1,975	$725	+17%	X5 in RI
South Carolina	$1,765	$650	+4%	X5 in SC
South Dakota	$1,445	$280	−14%	X5 in SD
Tennessee	$1,440	$400	−15%	X5 in TN
Texas	$2,065	$610	+22%	X5 in TX
Utah	$1,485	$580	−12%	X5 in UT
Vermont	$1,150	$280	−32%	X5 in VT
Virginia	$1,455	$555	−14%	X5 in VA
Washington	$1,430	$520	−15%	X5 in WA
West Virginia	$1,475	$385	−13%	X5 in WV
Wisconsin	$1,200	$330	−29%	X5 in WI
Wyoming	$1,465	$290	−13%	X5 in WY

BMW X5 insurance by driver profile

Estimated annual BMW X5 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,495	$2,165	$4,650	$388
Young adult (22)	$870	$1,260	$2,705	$225
Adult in their 30s	$545	$790	$1,690	$141
Adult in their 50s	$500	$725	$1,555	$130
Senior (72)	$610	$880	$1,895	$158
30s, one at-fault accident	$790	$1,140	$2,450	$204
30s, DUI on record	$1,005	$1,455	$3,130	$261

BMW X5 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
BMW X5	$1,690	120	142	—
Audi Q7	$1,570	123	131	Compare
Porsche Macan	$1,700	151	117	Compare
Cadillac Escalade	$1,655	110	152	Compare

Estimate BMW X5 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other BMW models

2 Series $1,630/yr
4 Series $1,670/yr
5 Series $1,490/yr
7 Series $3,710/yr
i5 $2,085/yr
i7 $2,795/yr
iX3 $1,895/yr
M2 $2,260/yr
M3 $4,190/yr
M4 $4,260/yr
M5 $1,820/yr
X1 $1,560/yr
X2 $1,805/yr
X6 $2,305/yr
X7 $1,915/yr
3 Series $1,880/yr
8 Series $2,610/yr
i4 $1,920/yr
iX $2,310/yr
X3 $1,565/yr
XM $2,985/yr
Z4 $1,320/yr
M8 $3,945/yr
X4 $1,745/yr
i3 $1,565/yr
i8 $1,810/yr
6 Series $1,480/yr
M6 $1,755/yr
1 Series $1,580/yr
ActiveE $1,390/yr

All BMW insurance costs →

Frequently asked questions

How much is insurance for a BMW X5?

We estimate about $1,690 a year ($141 a month) for full coverage and $545 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% more than the average vehicle.

Is the BMW X5 expensive to insure?

HLDI insurance-loss data rates it at 120 for collision and 142 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a BMW X5?

Maine has the lowest estimate (about $1,100 a year for full coverage) and Louisiana the highest (about $2,325).

What is the BMW X5's NHTSA safety rating?

The 2026 BMW X5 earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the BMW X5 cheaper to insure than the Audi Q7?

By our estimate the BMW X5 costs about $1,690 a year versus $1,610 for the Audi Q7, making the Audi Q7 cheaper to insure.

How much is BMW X5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,650 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page