Acura MDX vs. BMW X5 – Which is Cheaper to Insure?

• When comparing 2023 models, the Acura MDX has cheaper overall car insurance rates than a BMW X5 by an average of $474 per year.
• For a 2023 Acura MDX, car insurance rates range from $1,632 to $1,892 per year, while car insurance for a 2023 BMW X5 ranges from $2,062 to $2,514.
• Average car insurance cost per month for the BMW X5 is 24.1% more expensive than the Acura MDX, at $146 versus $186, a difference of $40.
• Out of 37 models in the 2023 midsize luxury SUV segment, the Acura MDX ranks fifth and the BMW X5 ranks 28^th for cheapest car insurance cost.

Is Acura MDX or BMW X5 insurance cheaper?

For the 2023 model year, the model having the cheapest rates is the Acura MDX. Insurance on an Acura MDX costs an average of $1,756 per year, while insurance for a BMW X5 costs an average of $2,230 per year.

Out of eight trims for the 2023 Acura MDX, the cheapest average car insurance prices are on the Base 2WD model at a cost of $1,632 per year. For the five trims available for the BMW X5, the cheapest 2023 model to insure is the sDrive40i model at a cost of $2,062.

When average car insurance prices for all 13 trim levels for both 2023 models are compared, the cheapest trim to insure is the Acura MDX Base 2WD at an average rate of $1,632 per year, and the highest-cost model and trim is the BMW X5 M xDrive costing $2,514 per year.

For prior model years, the average auto insurance rates compare as follows. Click on a model year to show complete data for that year.

• 2022 Models – Cheaper average insurance rate: Acura MDX
• 2021 Models – Cheaper average insurance rate: Acura MDX
• 2020 Models – Cheaper average insurance rate: Acura MDX
• 2019 Models – Cheaper average insurance rate: Acura MDX
• 2018 Models – Cheaper average insurance rate: Acura MDX
• 2017 Models – Cheaper average insurance rate: Acura MDX
• 2016 Models – Cheaper average insurance rate: Acura MDX
• 2015 Models – Cheaper average insurance rate: Acura MDX

The table below compares and ranks the annual and monthly cost of car insurance for 2023 Acura MDX and BMW X5 models, showing average cost for each trim level.

The next chart visualizes the average cost to insure the two models with different drivers at the wheel. For a 2023 Acura MDX, the average car insurance cost ranges from $1,602 to $3,536 per year for the included age groups. A 2023 BMW X5 costs from $2,034 to $4,510 to insure per year.

The next two tables show both 2023 models and all trim levels available for each one, as well as an average rate for each model. The cheapest model to insure for the 2023 model year is the Acura MDX.

2022 Acura MDX vs. BMW X5

When comparing the Acura MDX and BMW X5 for the 2022 model year, the cheaper model to insure on average is the Acura MDX. Insurance on an Acura MDX costs an average of $1,708 per year, whereas insurance for a BMW X5 costs an average of $2,096 per year.

For a 2022 Acura MDX, car insurance rates range from $1,590 per year for the 2WD model up to $1,850 for the Type S Advance model. For a 2022 BMW X5, rates can range from $1,938 per year for the sDrive model up to $2,358 for the M xDrive model.

The table below compares annual and monthly car insurance cost for a 2022 Acura MDX and BMW X5. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of cost for individual models.

The chart shown below shows the average cost to insure both models for drivers aged 20 to 50. Insurance cost ranges from $1,558 to $3,442 per year for a 2022 Acura MDX, and $1,912 to $4,224 for a 2022 BMW X5 for the age groups used in this illustration.

The 2022 Acura MDX has eight trim levels available, with the cheapest trim to insure being the 2WD model at an average cost of $1,590 per year. For the five trims available for the BMW X5, the cheapest 2022 trim level to insure is the sDrive trim at a cost of $1,938 per year, or about $162 per month.

When rates are compared for the 13 trim levels of both 2022 models, the cheapest model and trim level to insure is the Acura MDX 2WD at an average cost of $1,590 per year. The highest-cost model and trim level is the BMW X5 M xDrive at an average of $2,358 per year.

The two tables below illustrate average car insurance cost by trim level for each 2022 model, including an overall average rate. The 2022 Acura MDX wins out over the 2022 BMW X5 for cheapest car insurance cost.

2021 Acura MDX vs. BMW X5

When comparing insurance rates for 2021 models, the Acura MDX costs an average of $1,736 per year to insure and the BMW X5 costs $1,966, making the Acura MDX the winner by $230.

The chart below demonstrates the average cost to insure the two models for a range of driver ages. Insurance cost ranges from $1,586 to $3,504 per year for a 2021 Acura MDX, and $1,790 to $3,954 for a 2021 BMW X5 for the example age groups.

For the 13 trims available for the 2021 Acura MDX, the cheapest trim level to insure is the 2WD model at an average cost of $1,640 per year. The 2021 BMW X5 has 14 trims available, with the cheapest model to insure being the sDrive 40i AWD trim at an average cost of $1,816 per year, or $151 per month.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Acura MDX 2WD at an average cost of $1,640 per year, and the most expensive model and trim level is the BMW X5 m50i Executive AWD at a cost of $2,108 per year.

The two tables below show trim level insurance cost averages for both 2021 models, including an overall average cost for each model. The winner for the 2021 car insurance comparison is the Acura MDX.

2020 Acura MDX vs. BMW X5

For the 2020 Acura MDX and BMW X5 models, the Acura MDX has cheaper car insurance rates by an average of $222 per year.

The rate chart below visualizes the average cost to insure both models rated for different driver ages. For a 2020 Acura MDX, average insurance cost ranges from $1,562 to $3,456 per year for the age groups used in the chart. A 2020 BMW X5 costs from $1,762 to $3,890 to insure per year.

2019 Acura MDX vs. BMW X5

When comparing average insurance rates for the 2019 Acura MDX and BMW X5 models, the Acura MDX is cheaper by an average of $184 per year for 2019.

The next chart illustrates the average cost to insure both 2019 models using a range of rated driver ages. Average insurance cost ranges from $1,502 to $3,318 per year for a 2019 Acura MDX, and $1,668 to $3,666 for a 2019 BMW X5 for the included age groups.

Out of 13 trims for the 2019 Acura MDX, the cheapest average insurance prices are on the 2WD model at a cost of $1,542 per year, or around $129 per month. For the two trim levels available for the BMW X5, the cheapest 2019 model to insure is the xDrive 40i AWD trim at a cost of $1,762 per year, or about $147 per month.

When car insurance rates for all 15 trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the Acura MDX 2WD at a cost of $1,542 per year, and the highest-cost model and trim is the BMW X5 xDrive 50i AWD at a cost of $1,898 per year.

The next two rate tables illustrate average car insurance rates for every trim level for both 2019 models, along with the average rate for each model. The winner for the 2019 car insurance battle is the Acura MDX.

2018 Acura MDX vs. BMW X5

When comparing insurance rates for 2018 models, the Acura MDX costs an average of $1,592 per year to insure and the BMW X5 costs $1,828, making the Acura MDX the winner by $236 for 2018.

The chart below shows the average cost to insure both 2018 models using a range of rated driver ages. For a 2018 Acura MDX, average insurance cost ranges from $1,454 to $3,212 per year for the driver ages used. A 2018 BMW X5 costs from $1,668 to $3,684 to insure per year.

Out of 12 trims for the 2018 Acura MDX, the cheapest insurance prices are on the 2WD trim at a cost of $1,500 per year, or $125 per month. The 2018 BMW X5 has six trims available, with the cheapest trim level to insure being the 3.5i sDrive 2WD model at an average cost of $1,768 per year, or $147 per month.

When all 18 trims of both models are combined and compared, the cheapest vehicle to insure is the Acura MDX 2WD at an average cost of $1,500 per year. The most expensive trim is the BMW X5 M AWD at an average cost of $1,902 per year.

The tables below show the cost to insure the available trim levels for both 2018 models, as well as the overall average rate for each model. The 2018 Acura MDX has cheaper average auto insurance rates than the 2018 BMW X5.

2017 Acura MDX vs. BMW X5

When comparing insurance rates for 2017 models, a Acura MDX costs an average of $1,526 per year to insure and a BMW X5 costs $1,774, making the Acura MDX cheaper to insure by $248 per year for this model year.

The rate chart below visualizes the average cost to insure both 2017 models using a range of rated driver ages. Insurance cost ranges from $1,394 to $3,070 per year for a 2017 Acura MDX, and $1,616 to $3,566 for a 2017 BMW X5 for the age groups used in the chart.

Out of 14 trims for the 2017 Acura MDX, the cheapest average car insurance prices are on the 2WD model at a cost of $1,440 per year. For the six trims available for the BMW X5, the cheapest 2017 trim level to insure is the 3.5d xDrive AWD trim at a cost of $1,686 per year, or around $141 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim to insure is the Acura MDX 2WD at an average cost of $1,440 per year. The most expensive vehicle to insure is the BMW X5 M AWD at a cost of $2,046 per year.

The next two tables show the cost to insure the available trim levels for both 2017 models, plus an average rate for each model. The 2017 Acura MDX reigns victorious over the 2017 BMW X5 for the cheapest average car insurance rates.

2016 Acura MDX vs. BMW X5

For 2016 Acura MDX and BMW X5 models, the Acura MDX is cheaper to insure by an average of $328 per year.

The chart below illustrates the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. For a 2016 Acura MDX, average car insurance cost ranges from $1,408 to $3,110 per year for the included age groups. A 2016 BMW X5 costs from $1,704 to $3,768 to insure per year.

For the 10 trims available for the 2016 Acura MDX, the cheapest trim level to insure is the 2WD trim at an average cost of $1,478 per year, or $123 per month. The 2016 BMW X5 has six trims available, with the cheapest model to insure being the 3.5i sDrive 2WD model at an average cost of $1,752 per year, or about $146 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Acura MDX 2WD at an average of $1,478 per year, and the highest-cost model and trim level is the BMW X5 M AWD costing $2,132 per year.

The two tables below show average car insurance cost by trim level for each 2016 model, along with an average cost for each model.

2015 Acura MDX vs. BMW X5

When comparing car insurance rates for the 2015 Acura MDX and BMW X5 models, the Acura MDX has cheaper rates by an average of $384 per year for 2015.

The chart below shows the average cost to insure both 2015 models for drivers from age 20 to 50. The average car insurance cost ranges from $1,178 to $2,574 per year for a 2015 Acura MDX, and $1,528 to $3,360 for a 2015 BMW X5 for the driver ages used.

For the eight trim levels available for the 2015 Acura MDX, the cheapest trim to insure is the 2WD trim at an average cost of $1,246 per year, or about $104 per month.

For the five trims available for the BMW X5, the cheapest 2015 model to insure is the 3.5i sDrive 2WD trim at a cost of $1,570 per year, or around $131 per month.

When average insurance prices for all 13 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Acura MDX 2WD at an average cost of $1,246 per year, and the highest-cost model and trim level is the BMW X5 M AWD at an average cost of $1,916 per year.

The tables below show the average insurance cost by trim level for both 2015 models, as well as an average rate for each model. The 2015 Acura MDX has more affordable average car insurance rates than the 2015 BMW X5.

Additional Acura MDX and BMW X5 Resources

• Acura MDX Insurance Rates
• BMW X5 Insurance Rates
• Midsize Luxury SUV Insurance Rate Comparisons