2018 BMW X5 Car Insurance Calculator

Learn in real-time how different driver and vehicle factors impact the cost of insurance for a 2018 BMW X5. Change driver's age, policy discounts, trim level options, and driving record plus many other factors. Find out instantly the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2018 BMW X5 is $2,282 per year, or about $190 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

$2,282

Cost Per Month

$190

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 2018 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.

$2,282
Average Rate
Your Rate
$2,282

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.

The 'Average Rate' is a combined value for all 2018 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 2018 BMW X5 is $2,282.

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.

2018 BMW X5 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2018 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.

2018 BMW X5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,696-$586
2Cadillac XT5$1,758-$524
3Lexus RX 350L$1,818-$464
4Lincoln MKT$1,864-$418
5Lexus RX 350$1,890-$392
6Lincoln MKX$1,940-$342
7Jaguar E-Pace$1,956-$326
8Acura MDX$1,978-$304
9Audi SQ5$2,004-$278
10Lexus RX 450$2,046-$236
11Volvo V90$2,060-$222
12Lexus GX 460$2,062-$220
13Infiniti QX60$2,078-$204
14Land Rover Discovery$2,090-$192
15Lexus RX 450hL$2,120-$162
2018 Midsize Luxury SUV Average$2,181-$101
16Mercedes-Benz AMG GLC43$2,206-$76
17Audi Q7$2,218-$64
18Mercedes-Benz GLE350$2,238-$44
19BMW X5$2,282--
20Mercedes-Benz AMG GLC63$2,438$156
21Maserati Levante$2,522$240
22Tesla Model X$2,610$328
23Mercedes-Benz AMG GLE43$2,612$330
24Porsche Cayenne$2,724$442
25Mercedes-Benz AMG GLE63$2,736$454
26BMW X6$2,756$474

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.

2018 X5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 BMW X5 Insurance Rates by Trim Level
2018 BMW X5 Trim Level Annual Premium Cost Per Month
3.5i sDrive 2WD$2,210$184
3.5i xDrive AWD$2,210$184
3.5d xDrive AWD$2,264$189
4.0e xDrive AWD$2,264$189
5.0i xDrive AWD$2,376$198
M AWD$2,376$198

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 2018 BMW X5 for different driver ages.

2018 BMW X5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,070$673
17$7,891$658
18$7,203$600
19$6,492$541
20$4,992$416
21$4,762$397
22$4,276$356
23$3,446$287
24$3,280$273
25$2,662$222
30$2,448$204
35$2,340$195
40$2,282$190
45$2,124$177
50$2,004$167
55$1,876$156
60$1,884$157
65$2,016$168
70$2,152$179
75$2,504$209
80$3,098$258

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.