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

Does an Acura MDX or BMW X5 have cheaper car insurance? We compared average car insurance rates by trim level for each model back to 2015 to find a winner.

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  • When comparing 2022 models, the Acura MDX has cheaper overall car insurance rates than a BMW X5 by an average of $360 per year.
  • For a 2022 Acura MDX, car insurance rates range from $1,468 to $1,710 per year, while car insurance for a 2022 BMW X5 ranges from $1,790 to $2,182.
  • Average car insurance cost per month for the BMW X5 is 18.5% more expensive than the Acura MDX, at $132 versus $162, a difference of $30.
  • Out of 36 models in the 2022 midsize luxury SUV segment, the Acura MDX ranks #4 and the BMW X5 ranks #24 for cheapest car insurance cost.

Is Acura MDX or BMW X5 insurance cheaper?

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 $1,578 per year, whereas insurance for a BMW X5 costs an average of $1,938 per year.

For a 2022 Acura MDX, car insurance rates range from $1,468 per year for the 2WD model up to $1,710 for the Type S Advance model. For a 2022 BMW X5, rates can range from $1,790 per year for the sDrive model up to $2,182 for the M xDrive model.

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

  • 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 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.

2022 Acura MDX vs BMW X5 Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,468$122
$1,498$125
$1,532$128
$1,560$130
$1,566$131
$1,620$135
$1,672$139
$1,710$143
$1,790$149
$1,820$152
$1,852$154
$2,044$170
$2,182$182

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Acura MDX and a 2022 BMW X5. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 5, 2022
2022 Acura MDX vs BMW X5 Insurance Cost by Trim Level

The chart shown below shows the average cost to insure both models for drivers aged 20 to 50. Insurance cost ranges from $1,440 to $3,178 per year for a 2022 Acura MDX, and $1,764 to $3,900 for a 2022 BMW X5 for the age groups used in this illustration.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Acura MDX and a 2022 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2022 Acura MDX vs. 2022 BMW X5 Insurance Cost
2022 Acura MDX vs. 2022 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$3,178$1,682$1,578$1,440
BMW X5$3,900$2,062$1,938$1,764

The 2022 Acura MDX has eight trim levels available, with the cheapest trim to insure being the 2WD model at an average cost of $1,468 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 $1,790 per year, or about $149 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 $1,468 per year. The highest-cost model and trim level is the BMW X5 M xDrive at an average of $2,182 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.

2022 Acura MDX

$1,578

Insurance Rates by Trim Level for 2022 Acura MDX
2022 Acura MDX TrimsRate
2WD$1,468
AWD1,498
Technology 2WD1,532
Technology AWD1,560
A-Spec AWD1,566
Advance AWD1,620
Type S1,672
Type S Advance1,710
2022 Acura MDX Average Rate$1,578

2022 BMW X5

$1,938

Insurance Rates by Trim Level for 2022 Acura MDX
2022 BMW X5 TrimsRate
sDrive$1,790
xDrive1,820
xDrive45e1,852
M50i xDrive2,044
M xDrive2,182
2022 BMW X5 Average Rate$1,938

2021 Acura MDX vs. BMW X5

When comparing insurance rates for 2021 models, the Acura MDX costs an average of $1,594 per year to insure and the BMW X5 costs $1,808, making the Acura MDX the winner by $214.

The chart below demonstrates the average cost to insure the two models for a range of driver ages. Insurance cost ranges from $1,456 to $3,214 per year for a 2021 Acura MDX, and $1,646 to $3,632 for a 2021 BMW X5 for the example age groups.

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Chart Data Details: Average insurance rates are for a 2021 Acura MDX and a 2021 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2021 Acura MDX vs. 2021 BMW X5 Insurance Cost
2021 Acura MDX vs. 2021 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$3,214$1,686$1,594$1,456
BMW X5$3,632$1,930$1,808$1,646

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 $1,506 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 $1,670 per year, or $139 per month.

When trim-level rates for both models are compared, the cheapest vehicle to insure to insure is the Acura MDX 2WD at an average cost of $1,506 per year, and the most expensive model and trim level is the BMW X5 m50i Executive AWD at a cost of $1,940 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.

2021 Acura MDX

$1,594

Insurance Rates by Trim Level for 2021 Acura MDX
2021 Acura MDX TrimsRate
2WD$1,506
4WD1,548
Tech 2WD1,548
Tech/Entertainment 2WD1,548
Sport Hybrid Technology AWD1,590
A-Spec 4WD1,594
Tech 4WD1,594
Tech/Entertainment 4WD1,594
Sport Hybrid Advance AWD1,636
Advance 2WD1,640
Advance 4WD1,640
Advance/Entertainment 2WD1,640
Advance/Entertainment 4WD1,640
2021 Acura MDX Average Rate$1,594

2021 BMW X5

$1,808

Insurance Rates by Trim Level for 2021 Acura MDX
2021 BMW X5 TrimsRate
sDrive 40i AWD$1,670
xDrive 40i AWD1,714
xDrive 40i Premium AWD1,714
xDrive 40i Rear Entertainment AWD1,714
xDrive 40i Executive AWD1,760
xDrive 40i Off-Road AWD1,760
xDrive 40i Sport AWD1,760
xDrive 50i AWD1,852
xDrive 50i Rear Entertainment AWD1,852
m50i AWD1,898
m50i Rear Entertainment AWD1,898
xDrive 50i Executive AWD1,898
xDrive 50i Off-Road AWD1,898
m50i Executive AWD1,940
2021 BMW X5 Average Rate$1,808

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 $208 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 $1,426 to $3,150 per year for the age groups used in the chart. A 2020 BMW X5 costs from $1,610 to $3,556 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2020 Acura MDX and a 2020 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2020 Acura MDX vs. 2020 BMW X5 Insurance Cost
2020 Acura MDX vs. 2020 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$3,150$1,652$1,562$1,426
BMW X5$3,556$1,886$1,770$1,610

2020 Acura MDX

$1,562

Insurance Rates by Trim Level for 2020 Acura MDX
2020 Acura MDX TrimsRate
2WD$1,476
4WD1,520
Tech 2WD1,520
Tech/Entertainment 2WD1,520
Sport Hybrid Technology AWD1,558
A-Spec 4WD1,562
Tech 4WD1,562
Tech/Entertainment 4WD1,562
Sport Hybrid Advance AWD1,602
Advance 2WD1,608
Advance 4WD1,608
Advance/Entertainment 2WD1,608
Advance/Entertainment 4WD1,608
2020 Acura MDX Average Rate$1,562

2020 BMW X5

$1,770

Insurance Rates by Trim Level for 2020 Acura MDX
2020 BMW X5 TrimsRate
sDrive 40i AWD$1,634
xDrive 40i AWD1,678
xDrive 40i Premium AWD1,678
xDrive 40i Rear Entertainment AWD1,678
xDrive 40i Executive AWD1,722
xDrive 40i Off-Road AWD1,722
xDrive 40i Sport AWD1,722
xDrive 50i AWD1,810
xDrive 50i Rear Entertainment AWD1,810
m50i AWD1,854
m50i Rear Entertainment AWD1,854
xDrive 50i Executive AWD1,854
xDrive 50i Off-Road AWD1,854
m50i Executive AWD1,898
2020 BMW X5 Average Rate$1,770

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 $172 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 $1,388 to $3,068 per year for a 2019 Acura MDX, and $1,546 to $3,402 for a 2019 BMW X5 for the included age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Acura MDX and a 2019 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2019 Acura MDX vs. 2019 BMW X5 Insurance Cost
2019 Acura MDX vs. 2019 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$3,068$1,608$1,524$1,388
BMW X5$3,402$1,810$1,696$1,546

Out of 13 trims for the 2019 Acura MDX, the cheapest average insurance prices are on the 2WD model at a cost of $1,424 per year, or around $119 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 $1,632 per year, or about $136 per month.

When car insurance rates for all 15 trims of both models are combined sorted by cost, the cheapest model and trim level to insure is the Acura MDX 2WD at a cost of $1,424 per year, and the highest-cost model and trim is the BMW X5 xDrive 50i AWD at a cost of $1,762 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.

2019 Acura MDX

$1,524

Insurance Rates by Trim Level for 2019 Acura MDX
2019 Acura MDX TrimsRate
2WD$1,424
4WD1,468
Tech Package 2WD1,468
A-Spec 4WD1,512
Tech Package 4WD1,512
Tech/Entertainment 2WD1,512
Tech/Entertainment 4WD1,512
Sport Hybrid Technology Package AWD1,550
Advance Package 2WD1,554
Advance Package 4WD1,554
Advance/Entertainment 2WD1,554
Sport Hybrid Advance Package AWD1,592
Advance/Entertainment 4WD1,596
2019 Acura MDX Average Rate$1,524

2019 BMW X5

$1,696

Insurance Rates by Trim Level for 2019 Acura MDX
2019 BMW X5 TrimsRate
xDrive 40i AWD$1,632
xDrive 50i AWD1,762
2019 BMW X5 Average Rate$1,696

2018 Acura MDX vs. BMW X5

When comparing insurance rates for 2018 models, the Acura MDX costs an average of $1,474 per year to insure and the BMW X5 costs $1,698, making the Acura MDX the winner by $224 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 $1,344 to $2,964 per year for the driver ages used. A 2018 BMW X5 costs from $1,546 to $3,416 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Acura MDX and a 2018 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2018 Acura MDX vs. 2018 BMW X5 Insurance Cost
2018 Acura MDX vs. 2018 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$2,964$1,552$1,474$1,344
BMW X5$3,416$1,806$1,698$1,546

Out of 12 trims for the 2018 Acura MDX, the cheapest insurance prices are on the 2WD trim at a cost of $1,388 per year, or $116 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 $1,642 per year, or $137 per month.

When all 18 trims of both models are combined and compared, the cheapest vehicle to insure to insure is the Acura MDX 2WD at an average cost of $1,388 per year. The most expensive trim is the BMW X5 M AWD at an average cost of $1,766 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.

2018 Acura MDX

$1,474

Insurance Rates by Trim Level for 2018 Acura MDX
2018 Acura MDX TrimsRate
2WD$1,388
SH-AWD 4WD1,430
Tech Package 2WD1,430
Advance Package 2WD1,470
Advance Package 4WD1,470
SH-AWD Tech Package 4WD1,470
Tech/Entertainment 2WD1,470
Tech/Entertainment 4WD1,470
Sport Hybrid Technology Package AWD1,506
Advance/Entertainment 2WD1,512
Advance/Entertainment 4WD1,512
Sport Hybrid Advance Package AWD1,550
2018 Acura MDX Average Rate$1,474

2018 BMW X5

$1,698

Insurance Rates by Trim Level for 2018 Acura MDX
2018 BMW X5 TrimsRate
3.5i sDrive 2WD$1,642
3.5i xDrive AWD1,642
3.5d xDrive AWD1,684
4.0e xDrive AWD1,684
5.0i xDrive AWD1,766
M AWD1,766
2018 BMW X5 Average Rate$1,698

2017 Acura MDX vs. BMW X5

When comparing insurance rates for 2017 models, a Acura MDX costs an average of $1,434 per year to insure and a BMW X5 costs $1,676, making the Acura MDX cheaper to insure by $242 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 $1,308 to $2,888 per year for a 2017 Acura MDX, and $1,528 to $3,376 for a 2017 BMW X5 for the age groups used in the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Acura MDX and a 2017 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2017 Acura MDX vs. 2017 BMW X5 Insurance Cost
2017 Acura MDX vs. 2017 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$2,888$1,508$1,434$1,308
BMW X5$3,376$1,784$1,676$1,528

Out of 14 trims for the 2017 Acura MDX, the cheapest average car insurance prices are on the 2WD model at a cost of $1,350 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 $1,592 per year, or around $133 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 $1,350 per year. The most expensive vehicle to insure is the BMW X5 M AWD at a cost of $1,938 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.

2017 Acura MDX

$1,434

Insurance Rates by Trim Level for 2017 Acura MDX
2017 Acura MDX TrimsRate
2WD$1,350
4WD1,392
SH-AWD 4WD1,392
Tech Package 2WD1,392
Advance Package 2WD1,432
SH-AWD Tech Package 4WD1,432
Tech Package 4WD1,432
Tech/Entertainment 2WD1,432
Tech/Entertainment 4WD1,432
Sport Hybrid Technology Package AWD1,466
Advance Package 4WD1,472
Advance/Entertainment 2WD1,472
Advance/Entertainment 4WD1,472
Sport Hybrid Advance Package AWD1,506
2017 Acura MDX Average Rate$1,434

2017 BMW X5

$1,676

Insurance Rates by Trim Level for 2017 Acura MDX
2017 BMW X5 TrimsRate
3.5d xDrive AWD$1,592
3.5i sDrive 2WD1,592
3.5i xDrive AWD1,592
4.0e xDrive AWD1,632
5.0i xDrive AWD1,712
M AWD1,938
2017 BMW X5 Average Rate$1,676

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 $312 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 $1,308 to $2,888 per year for the included age groups. A 2016 BMW X5 costs from $1,590 to $3,514 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Acura MDX and a 2016 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2016 Acura MDX vs. 2016 BMW X5 Insurance Cost
2016 Acura MDX vs. 2016 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$2,888$1,500$1,430$1,308
BMW X5$3,514$1,840$1,742$1,590

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 $1,370 per year, or $114 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 $1,632 per year, or about $136 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 $1,370 per year, and the highest-cost model and trim level is the BMW X5 M AWD costing $1,992 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.

2016 Acura MDX

$1,430

Insurance Rates by Trim Level for 2016 Acura MDX
2016 Acura MDX TrimsRate
2WD$1,370
4WD1,370
Tech Package 2WD1,408
Tech Package 4WD1,408
Tech/Entertainment 2WD1,408
Advance Package 2WD1,444
Tech/Entertainment 4WD1,444
Advance Package 4WD1,482
Advance/Entertainment 2WD1,482
Advance/Entertainment 4WD1,482
2016 Acura MDX Average Rate$1,430

2016 BMW X5

$1,742

Insurance Rates by Trim Level for 2016 Acura MDX
2016 BMW X5 TrimsRate
3.5i sDrive 2WD$1,632
3.5d xDrive AWD1,668
3.5i xDrive AWD1,668
4.0e xDrive AWD1,706
5.0i xDrive AWD1,780
M AWD1,992
2016 BMW X5 Average Rate$1,742

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 $370 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 $1,126 to $2,466 per year for a 2015 Acura MDX, and $1,462 to $3,224 for a 2015 BMW X5 for the driver ages used.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Acura MDX and a 2015 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Acura MDX and BMW X5 trim levels.Data last updated on December 5, 2022
2015 Acura MDX vs. 2015 BMW X5 Insurance Cost
2015 Acura MDX vs. 2015 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Acura MDX$2,466$1,300$1,232$1,126
BMW X5$3,224$1,696$1,602$1,462

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 $1,186 per year, or about $99 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 $1,498 per year, or around $125 per month.

When average insurance prices for all 13 trims of both models are combined sorted by cost, the lowest-cost model and trim level to insure is the Acura MDX 2WD at an average cost of $1,186 per year, and the highest-cost model and trim level is the BMW X5 M AWD at an average cost of $1,840 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.

2015 Acura MDX

$1,232

Insurance Rates by Trim Level for 2015 Acura MDX
2015 Acura MDX TrimsRate
2WD$1,186
4WD1,186
Tech Package 2WD1,222
Tech Package 4WD1,222
Tech/Entertainment 2WD1,222
Advance/Entertainment 2WD1,258
Tech/Entertainment 4WD1,258
Advance/Entertainment 4WD1,292
2015 Acura MDX Average Rate$1,232

2015 BMW X5

$1,602

Insurance Rates by Trim Level for 2015 Acura MDX
2015 BMW X5 TrimsRate
3.5i sDrive 2WD$1,498
3.5d xDrive AWD1,534
3.5i xDrive AWD1,534
5.0i xDrive AWD1,604
M AWD1,840
2015 BMW X5 Average Rate$1,602

Additional Acura MDX and BMW X5 Resources