2020 BMW X5 Car Insurance Calculator

Get real-time feedback how changes to driver risk factors and vehicle options affect the cost of insurance for a 2020 BMW X5. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2020 BMW X5 is $2,476 per year, or about $206 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

$2,476

Cost Per Month

$206

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 2020 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.

$2,476
Average Rate
Your Rate
$2,476

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 2020 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 2020 BMW X5 is $2,476.

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.

2020 BMW X5 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2020 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.

2020 BMW X5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,942-$534
2Cadillac XT5$1,984-$492
3Lincoln Nautilus$2,044-$432
4Lexus RX 350$2,076-$400
5Infiniti QX50$2,088-$388
6Jaguar E-Pace$2,098-$378
7Lexus RX 350L$2,138-$338
8Cadillac XT6$2,160-$316
9Acura MDX$2,180-$296
10Mercedes-Benz GLE450$2,230-$246
11Lincoln Aviator$2,252-$224
12Volvo V90$2,270-$206
13Infiniti QX60$2,308-$168
14Land Rover Discovery Sport$2,318-$158
15Lexus GX 460$2,352-$124
2020 Midsize Luxury SUV Average$2,368-$108
16Mercedes-Benz AMG GLC43$2,410-$66
17Land Rover Discovery$2,418-$58
18Audi SQ5$2,428-$48
19Mercedes-Benz GLE350$2,440-$36
20Lexus RX 450$2,460-$16
21Audi Q8$2,472-$4
22BMW X5$2,476--
23Audi Q7$2,556$80
24Mercedes-Benz AMG GLC63$2,564$88
25Audi e-tron$2,646$170
26BMW X6$2,704$228
27Tesla Model X$2,796$320
28Porsche Cayenne$2,864$388
29Mercedes-Benz AMG GLE63$2,990$514

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.

2020 X5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW X5 Insurance Rates by Trim Level
2020 BMW X5 Trim Level Annual Premium Cost Per Month
sDrive 40i AWD$2,286$191
xDrive 40i AWD$2,348$196
xDrive 40i Premium AWD$2,348$196
xDrive 40i Rear Entertainment AWD$2,348$196
xDrive 40i Executive AWD$2,410$201
xDrive 40i Off-Road AWD$2,410$201
xDrive 40i Sport AWD$2,410$201
xDrive 50i AWD$2,534$211
xDrive 50i Rear Entertainment AWD$2,534$211
m50i AWD$2,594$216
m50i Rear Entertainment AWD$2,594$216
xDrive 50i Executive AWD$2,594$216
xDrive 50i Off-Road AWD$2,594$216
m50i Executive AWD$2,658$222

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 2020 BMW X5 for different driver ages.

2020 BMW X5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,729$727
17$8,545$712
18$7,825$652
19$7,045$587
20$5,420$452
21$5,168$431
22$4,645$387
23$3,734$311
24$3,556$296
25$2,888$241
30$2,656$221
35$2,536$211
40$2,476$206
45$2,300$192
50$2,170$181
55$2,030$169
60$2,040$170
65$2,184$182
70$2,328$194
75$2,702$225
80$3,346$279

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.