BMW X5 Insurance Cost in Texas
Insuring a BMW X5 in Texas costs about $2,065 a year ($172/month) for full coverage by our estimate — +22% versus the same car nationally — the 5th most expensive of 51 states for this model.
BMW X5 insurance in Texas at a glance
The BMW X5 is 9% more expensive than the average vehicle to insure in Texas, reflecting HLDI collision losses of 120 and comprehensive losses of 142 (100 = average). Texas's own base rates are 11% higher than the national average, which carries through to every model.
Texas factors that affect X5 premiums
- Uninsured drivers: 14.5% of Texas drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your X5.
- Theft: 248 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Texas's expected annual losses as very high for hail, very high for tornado, relatively high for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.35 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
BMW X5 insurance cost in Texas cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Houston | $2,285 | $675 | +11% |
| San Antonio | $2,205 | $650 | +7% |
| Dallas | $2,260 | $670 | +9% |
| Fort Worth | $2,245 | $665 | +9% |
| Austin | $2,190 | $645 | +6% |
| El Paso | $2,135 | $640 | +3% |
| Arlington | $2,280 | $675 | +10% |
| Corpus Christi | $2,080 | $615 | +1% |
| Plano | $2,250 | $670 | +9% |
| Lubbock | $1,980 | $585 | −4% |
| Laredo | $2,095 | $625 | +1% |
| Irving | $2,225 | $660 | +8% |
| Garland | $2,360 | $695 | +14% |
| Frisco | $2,295 | $680 | +11% |
| McKinney | $2,275 | $675 | +10% |
BMW X5 insurance in Texas by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,685 | $2,345 | $5,675 | $473 |
| Young adult (22) | $980 | $1,365 | $3,300 | $275 |
| Adult in their 30s | $610 | $855 | $2,065 | $172 |
| Adult in their 50s | $565 | $785 | $1,900 | $158 |
| Senior (72) | $685 | $955 | $2,310 | $193 |
| 30s, one at-fault accident | $885 | $1,235 | $2,990 | $249 |
| 30s, DUI on record | $1,130 | $1,580 | $3,815 | $318 |
Coverage levels
| 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. | $610 | $51 | $500–$720 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $855 | $71 | $700–$1,005 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,065 | $172 | $1,690–$2,435 |
Texas minimum: 30/60/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Texas
| Model | Full coverage in TX | vs. X5 |
|---|---|---|
| Audi Q7 | $1,965 | −5% |
| Porsche Macan | $2,095 | +1% |
| Cadillac Escalade | $2,035 | −1% |
| Land Rover Discovery | $2,100 | +2% |
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BMW X5 insurance cost in every state · All BMW models
Frequently asked questions
How much is BMW X5 insurance in Texas?
About $2,065 a year ($172 a month) for full coverage and $610 for Texas's minimum liability, for a driver in their 30s with a clean record. That is 22% more than the national estimate for the same car.
Is the BMW X5 cheaper to insure than the average car in Texas?
The average vehicle in Texas is about $1,895 a year for full coverage in our model, so the BMW X5 is 9% more expensive than average.
Where in Texas is BMW X5 insurance cheapest?
Among the largest Texas cities, Lubbock has the lowest estimate (about $1,980) and Garland the highest (about $2,360).
What insurance do I need for a BMW X5 in Texas?
Texas requires at least 30/60/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey