2021 BMW X5 Car Insurance Calculator

Discover how changes to different risk factors impact the cost of insurance for a 2021 BMW X5. Update factors like your location, homeowner status, and credit score to get insights on how rates change. Immediately see if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2021 BMW X5 is $2,562 per year, or about $214 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

$2,562

Cost Per Month

$214

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 2021 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.

$2,562
Average Rate
Your Rate
$2,562

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 2021 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 2021 BMW X5 is $2,562.

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.

2021 BMW X5 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2021 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.

2021 BMW X5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$2,004-$558
2Cadillac XT5$2,048-$514
3Lincoln Nautilus$2,108-$454
4Lexus RX 350$2,146-$416
5Infiniti QX50$2,154-$408
6Jaguar E-Pace$2,166-$396
7Lexus RX 350L$2,206-$356
8Cadillac XT6$2,228-$334
9Acura MDX$2,254-$308
10Genesis GV80$2,296-$266
11Mercedes-Benz GLE450$2,302-$260
12Lincoln Aviator$2,326-$236
13Volvo V90$2,340-$222
14Infiniti QX60$2,378-$184
15Land Rover Discovery Sport$2,388-$174
16Lexus GX 460$2,424-$138
2021 Midsize Luxury SUV Average$2,440-$122
17Mercedes-Benz AMG GLC43$2,484-$78
18Land Rover Discovery$2,500-$62
19Audi SQ5$2,508-$54
20Mercedes-Benz GLE350$2,518-$44
21Lexus RX 450$2,546-$16
22Audi Q8$2,560-$2
23BMW X5$2,562--
24Mercedes-Benz AMG GLC63$2,642$80
25Audi Q7$2,646$84
26Audi e-tron$2,730$168
27BMW X6$2,796$234
28Tesla Model X$2,888$326
29Porsche Cayenne$2,958$396
30Mercedes-Benz AMG GLE63$3,090$528

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.

2021 X5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW X5 Insurance Rates by Trim Level
2021 BMW X5 Trim Level Annual Premium Cost Per Month
sDrive 40i AWD$2,364$197
xDrive 40i AWD$2,428$202
xDrive 40i Premium AWD$2,428$202
xDrive 40i Rear Entertainment AWD$2,428$202
xDrive 40i Executive AWD$2,492$208
xDrive 40i Off-Road AWD$2,492$208
xDrive 40i Sport AWD$2,492$208
xDrive 50i AWD$2,622$219
xDrive 50i Rear Entertainment AWD$2,622$219
m50i AWD$2,686$224
m50i Rear Entertainment AWD$2,686$224
xDrive 50i Executive AWD$2,686$224
xDrive 50i Off-Road AWD$2,686$224
m50i Executive AWD$2,750$229

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 2021 BMW X5 for different driver ages.

2021 BMW X5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,022$752
17$8,839$737
18$8,104$675
19$7,291$608
20$5,612$468
21$5,350$446
22$4,809$401
23$3,863$322
24$3,681$307
25$2,988$249
30$2,748$229
35$2,624$219
40$2,562$214
45$2,382$199
50$2,246$187
55$2,100$175
60$2,110$176
65$2,260$188
70$2,406$201
75$2,794$233
80$3,458$288

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.