2022 BMW X5 Car Insurance Calculator

Observe in real-time how different factors impact the insurance cost for a 2022 BMW X5. Tweak settings like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2022 BMW X5 is $2,718 per year, or about $227 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

$2,718

Cost Per Month

$227

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 2022 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.

$2,718
Average Rate
Your Rate
$2,718

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 2022 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 2022 BMW X5 is $2,718.

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.

2022 BMW X5 vs. the Midsize Luxury SUV Segment

The table below compares insurance rates for the 2022 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.

2022 BMW X5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XT5$2,102-$616
2Infiniti QX50$2,160-$558
3Jaguar E-Pace$2,192-$526
4Lexus RX 350$2,202-$516
5Acura MDX$2,214-$504
6Lexus RX 450h$2,254-$464
7Lexus RX 350L$2,282-$436
8Cadillac XT6$2,298-$420
9Volvo V60$2,310-$408
10Land Rover Discovery Sport$2,318-$400
11Land Rover Discovery$2,328-$390
12Lincoln Nautilus$2,340-$378
13Lexus RX 450hL$2,346-$372
14Volvo V90$2,368-$350
15Mercedes-Benz GLE350$2,396-$322
16Lincoln Aviator$2,408-$310
17Mercedes-Benz AMG GLB35$2,436-$282
18Mercedes-Benz GLE450$2,442-$276
19Genesis GV80$2,446-$272
20Lexus GX 460$2,478-$240
21Infiniti QX60$2,488-$230
22Audi SQ5$2,526-$192
2022 Midsize Luxury SUV Average$2,575-$143
23Mercedes-Benz AMG GLC43$2,590-$128
24BMW X5$2,718--
25Audi Q7$2,802$84
26Land Rover Range Rover Sport$2,832$114
27BMW iX$2,854$136
28Audi Q8$2,866$148
29Tesla Model X$2,892$174
30Audi e-tron$2,900$182
31Audi SQ7$2,980$262
32Mercedes-Benz AMG GLE53$3,018$300
33BMW X6$3,086$368
34Mercedes-Benz AMG GLE63$3,216$498
35Porsche Cayenne$3,248$530
36Audi RS 6$3,354$636

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.

2022 X5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 BMW X5 Insurance Rates by Trim Level
2022 BMW X5 Trim Level Annual Premium Cost Per Month
sDrive$2,512$209
xDrive$2,556$213
xDrive45e$2,598$217
M50i xDrive$2,866$239
M xDrive$3,062$255

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 2022 BMW X5 for different driver ages.

2022 BMW X5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,690$808
17$9,464$789
18$8,621$718
19$7,774$648
20$5,974$498
21$5,694$475
22$5,111$426
23$4,118$343
24$3,917$326
25$3,170$264
30$2,914$243
35$2,784$232
40$2,718$227
45$2,530$211
50$2,390$199
55$2,234$186
60$2,244$187
65$2,404$200
70$2,572$214
75$3,006$251
80$3,722$310

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.