BMW X5 Car Insurance Calculator

Learn visually how different driver, vehicle, and coverage options affect car insurance rates for a BMW X5. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if the changes you make raise or lower the cost of insurance.

The average estimated car insurance premium for a 2024 BMW X5 is $2,992 per year, or about $249 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,992

Cost Per Month

$249

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW X5 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a BMW X5.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,992
Average Rate
Your Rate
$2,992

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW X5.

The 'Average Rate' is a combined value for all BMW X5 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 BMW X5 is $2,992.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 BMW X5 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2024 BMW X5 against all other models in the midsize luxury SUV segment. The BMW X5 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW X5, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X5.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 BMW X5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Jaguar E-Pace$2,190-$802
2Cadillac XT5$2,210-$782
3Infiniti QX50$2,276-$716
4Cadillac XT6$2,292-$700
5Infiniti QX60$2,304-$688
6Mercedes-Benz AMG GLB35$2,308-$684
7Acura MDX$2,342-$650
8Lexus RX 350$2,350-$642
9Lexus TX 350$2,380-$612
10Lexus RX 350h$2,410-$582
11Lexus TX 500h$2,446-$546
12Lexus RX 500h$2,454-$538
13Lincoln Nautilus$2,472-$520
14Lexus RX 450h$2,476-$516
15Volvo V90$2,496-$496
16Audi SQ5$2,584-$408
17Mercedes-Benz GLE350$2,616-$376
18Lincoln Aviator$2,636-$356
19Lexus GX 550$2,664-$328
20Volvo V60$2,742-$250
21Land Rover Discovery Sport$2,746-$246
22Mercedes-Benz GLE450$2,758-$234
2024 Midsize Luxury SUV Average$2,782-$210
23Cadillac Lyriq$2,784-$208
24Volvo EX90$2,806-$186
25Audi Q7$2,842-$150
26Genesis GV80$2,854-$138
27Mercedes-Benz AMG GLC43$2,868-$124
28Audi e-tron$2,920-$72
29Tesla Model X$2,944-$48
30BMW X5$2,992--
31Audi Q8$3,012$20
32Land Rover Discovery$3,026$34
33Mercedes-Benz AMG GLE53$3,046$54
34Audi SQ7$3,148$156
35BMW iX$3,192$200
36BMW X6$3,272$280
37Land Rover Range Rover Sport$3,410$418
38Audi RS 6$3,482$490
39Porsche Cayenne$3,506$514
40BMW XM$3,844$852
41Mercedes-Benz AMG GLE63$3,948$956

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 X5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 BMW X5.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 BMW X5 Insurance Rates by Trim Level
2024 BMW X5 Trim Level Annual Premium Cost Per Month
sDrive40i$2,748$229
xDrive40i$2,796$233
xDrive50e$2,888$241
M60i$3,128$261
M AWD$3,404$284

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 BMW X5 for different driver ages.

2024 BMW X5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,653$888
17$10,423$869
18$9,528$794
19$8,575$715
20$6,596$550
21$6,286$524
22$5,645$470
23$4,533$378
24$4,317$360
25$3,494$291
30$3,210$268
35$3,064$255
40$2,992$249
45$2,782$232
50$2,624$219
55$2,456$205
60$2,468$206
65$2,644$220
70$2,826$236
75$3,296$275
80$4,082$340

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW X5 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW X5.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW X5 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 BMW X5$2,992$249
2023 BMW X5$2,886$241
2022 BMW X5$2,718$227
2021 BMW X5$2,562$214
2020 BMW X5$2,476$206
2019 BMW X5$2,334$195
2018 BMW X5$2,282$190
2017 BMW X5$2,224$185
2016 BMW X5$2,264$189
2015 BMW X5$2,038$170
2014 BMW X5$2,256$188
2013 BMW X5$1,900$158

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all BMW X5 trim levels for each model year.