BMW X5 Insurance Cost in Virginia
Insuring a BMW X5 in Virginia costs about $1,455 a year ($121/month) for full coverage by our estimate — −14% versus the same car nationally — the 19th cheapest of 51 states for this model.
BMW X5 insurance in Virginia at a glance
The BMW X5 is 6% more expensive than the average vehicle to insure in Virginia, reflecting HLDI collision losses of 120 and comprehensive losses of 142 (100 = average). Virginia's own base rates are 13% lower than the national average, which carries through to every model.
Virginia factors that affect X5 premiums
- Uninsured drivers: 12.9% of Virginia drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your X5.
- Theft: 112 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Virginia's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.04 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
BMW X5 insurance cost in Virginia cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Virginia Beach | $1,525 | $585 | +5% |
| Chesapeake | $1,495 | $570 | +3% |
| Richmond | $1,570 | $600 | +8% |
| Norfolk | $1,610 | $610 | +11% |
| Newport News | $1,565 | $595 | +8% |
| Alexandria | $1,770 | $675 | +22% |
| Hampton | $1,555 | $590 | +7% |
| Suffolk | $1,460 | $555 | 0% |
| Roanoke | $1,490 | $565 | +2% |
| Lynchburg | $1,425 | $545 | −2% |
| Charlottesville | $1,500 | $575 | +3% |
| Danville | $1,440 | $550 | −1% |
| Fredericksburg | $1,665 | $645 | +14% |
BMW X5 insurance in Virginia by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,525 | $1,845 | $4,005 | $334 |
| Young adult (22) | $885 | $1,070 | $2,330 | $194 |
| Adult in their 30s | $555 | $670 | $1,455 | $121 |
| Adult in their 50s | $510 | $615 | $1,340 | $112 |
| Senior (72) | $620 | $750 | $1,630 | $136 |
| 30s, one at-fault accident | $805 | $970 | $2,110 | $176 |
| 30s, DUI on record | $1,025 | $1,240 | $2,695 | $225 |
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. | $555 | $46 | $455–$655 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $670 | $56 | $550–$790 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,455 | $121 | $1,195–$1,720 |
Virginia minimum: 50/100/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Virginia
| Model | Full coverage in VA | vs. X5 |
|---|---|---|
| Audi Q7 | $1,390 | −4% |
| Porsche Macan | $1,505 | +3% |
| Cadillac Escalade | $1,425 | −2% |
| Land Rover Discovery | $1,470 | +1% |
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BMW X5 insurance cost in every state · All BMW models
Frequently asked questions
How much is BMW X5 insurance in Virginia?
About $1,455 a year ($121 a month) for full coverage and $555 for Virginia's minimum liability, for a driver in their 30s with a clean record. That is 14% less than the national estimate for the same car.
Is the BMW X5 cheaper to insure than the average car in Virginia?
The average vehicle in Virginia is about $1,370 a year for full coverage in our model, so the BMW X5 is 6% more expensive than average.
Where in Virginia is BMW X5 insurance cheapest?
Among the largest Virginia cities, Lynchburg has the lowest estimate (about $1,425) and Alexandria the highest (about $1,770).
What insurance do I need for a BMW X5 in Virginia?
Virginia requires at least 50/100/25 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.
- Virginia DMV: Vehicle Insurance Coverage Requirements Change January 1
- Virginia DMV: Insurance Requirements
- Virginia DMV: New Laws Take Effect July 1, 2024 (UMV fee eliminated)
- Code of Virginia 38.2-2206 (uninsured motorist insurance coverage)
- Virginia DMV: Financial Responsibility Certifications (SR-22/FR-44)
- Virginia DMV: A Guide to Reinstating Your Virginia Driving Privilege
- Virginia SCC Bureau of Insurance: File a 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