BMW X5 Car Insurance Rates for 2022

How much does BMW X5 insurance cost? We compare car insurance rates from the sDrive up to the M xDrive model to see how prices rank against other midsize luxury SUVs.

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  • BMW X5 insurance costs an average of $1,922 per year or around $160 per month, depending on the trim level.
  • The cheapest BMW X5 insurance is the sDrive at around $1,776 per year, or $160 per month.
  • The model with the most expensive insurance is the M xDrive at $2,164 per year, or around $180 per month.
  • When compared to other midsize luxury SUVs for the 2022 model year, the BMW X5 is one of the more expensive midsize luxury SUVs to insure, costing $93 more per year on average.

How much does BMW X5 insurance cost?

BMW X5 car insurance rates average $1,922 annually for full coverage, or around $160 each month. Overall, expect to pay approximately $93 more each year for BMW X5 insurance compared to the midsize luxury SUVs average rate, and $371 more per year than the overall national average of $1,551.

Average BMW X5 insurance cost per month ranges from $148 to $180 depending on the trim level being insured. These rates can vary pretty significantly, however, based on factors like driver age, policy limits, driving record, and location.

The following chart demonstrates how driver age and different policy physical damage deductibles can affect average car insurance cost on a 2022 BMW X5.

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Chart Data Details: Chart shows average insurance cost for a 2022 BMW X5 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all BMW X5 trim levels.Data last updated on April 14, 2022
BMW X5 Car Insurance Rates
BMW X5 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,198$267
$500$3,870$323
$250$4,582$382
30$1,000$1,680$140
$500$2,046$171
$250$2,432$203
40$1,000$1,586$132
$500$1,922$160
$250$2,276$190
50$1,000$1,448$121
$500$1,754$146
$250$2,072$173
60$1,000$1,426$119
$500$1,726$144
$250$2,040$170

For the age groups in the chart above, rates range from a low of $1,426 for a 60-year-old driver with high deductibles to a high of $4,582 for a 20-year-old driver with low deductibles.

Teen drivers cost considerably more to insure, with rates as high as $7,902 for a 16-year-old driving an X5 with full coverage and low deductibles.

The next table shows average insurance rates for different policy terms for the 2013 through 2022 model years.

BMW X5 Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 BMW X5$1,922$961$160
2021 BMW X5$1,796$898$150
2020 BMW X5$1,756$878$146
2019 BMW X5$1,682$841$140
2018 BMW X5$1,684$842$140
2017 BMW X5$1,662$831$139
2016 BMW X5$1,728$864$144
2015 BMW X5$1,590$795$133
2014 BMW X5$1,732$866$144
2013 BMW X5$1,442$721$120

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
BMW X5 Insurance Rates by Model Year

What is the cheapest BMW X5 insurance?

With BMW X5 insurance cost ranging from $1,776 to $2,164 annually for the average driver, the cheapest 2022 model to insure is the sDrive. The next cheapest model to insure is the xDrive at $1,808 per year. On average, plan on paying at least $148 per month for X5 insurance.

On the opposite end of the cost range, the three highest cost X5 trim levels to insure are the BMW X5 xDrive45e, the M50i xDrive, and the M xDrive trim levels at around $1,836,  $2,028, and $2,164 per year, respectively.

Average car insurance rates for annual and 6-month policy terms, plus a monthly budget amount, for each 2022 BMW X5 model are shown below.

2022 BMW X5 Insurance Cost by Trim Level
BMW X5 Trim Level Annual Policy 6-month Policy Per Month
sDrive$1,776$888$148
xDrive$1,808$904$151
xDrive45e$1,836$918$153
M50i xDrive$2,028$1,014$169
M xDrive$2,164$1,082$180

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 BMW X5, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
BMW X5 Insurance Cost by Trim Level

Does BMW X5 insurance cost more than similar vehicles?

When compared to similar models in the midsize luxury SUV segment, car insurance for a BMW X5 costs $364 more per year than the Lexus RX 350, $356 more than the Acura MDX, $434 more than the Cadillac XT5, and $168 more than the Lexus GX 460.

The BMW X5 ranks #24 out of 36 total comparison vehicles in the midsize luxury SUV category. The X5 costs an average of $1,922 per year for full coverage insurance and the class average rate is $1,829 per year, a difference of $93 per year.

The table below shows how well BMW X5 insurance rates fare against the entire midsize luxury SUV class.

BMW X5 Insurance vs Other Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,488-$434
2Jaguar E-Pace$1,550-$372
3Lexus RX 350$1,558-$364
4Acura MDX$1,566-$356
5Lincoln Nautilus$1,580-$342
6Lexus RX 450h$1,596-$326
7Infiniti QX50$1,600-$322
8Lexus RX 350L$1,614-$308
9Cadillac XT6$1,626-$296
10Volvo V60$1,636-$286
11Land Rover Discovery$1,646-$276
12Land Rover Discovery Sport$1,650-$272
13Lexus RX 450hL$1,660-$262
14Volvo V90$1,676-$246
15Lincoln Aviator$1,706-$216
16Mercedes-Benz GLE450$1,728-$194
17Mercedes-Benz AMG GLB35$1,730-$192
18Lexus GX 460$1,754-$168
19Infiniti QX60$1,762-$160
20Mercedes-Benz GLE350$1,772-$150
21Genesis GV80$1,806-$116
22Mercedes-Benz AMG GLC43$1,834-$88
23Audi SQ5$1,858-$64
24BMW X5$1,922--
25Audi Q8$1,950$28
26Audi Q7$1,982$60
27Land Rover Range Rover Sport$2,004$82
28BMW iX$2,018$96
29Tesla Model X$2,048$126
30Audi SQ7$2,108$186
31Audi e-tron$2,128$206
32Mercedes-Benz AMG GLE53$2,136$214
33BMW X6$2,184$262
34Mercedes-Benz AMG GLE63$2,278$356
35Porsche Cayenne$2,298$376
36Audi RS 6$2,374$452

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
BMW X5 Insurance vs Other Midsize Luxury SUVs

With an average MSRP of $74,700, the cost to buy a new 2022 BMW X5 ranges from $59,400 to $105,900, depending on the trim level being purchased.

The midsize luxury SUV models closest in price to the BMW X5 are the Mercedes-Benz AMG GLE53, Lincoln Aviator, BMW iX, and Land Rover Discovery.

The list below shows how those four models compare to a BMW X5 both for average MSRP and the cost to insure with full-coverage insurance.

  • BMW X5 vs. Mercedes-Benz AMG GLE53 – The Mercedes-Benz AMG GLE53 has an average sticker price of $76,633 ($73,550 to $79,850), which is $1,933 more expensive than the average sticker price for the BMW X5. The cost to insure a BMW X5 compared to the Mercedes-Benz AMG GLE53 is $214 less annually on average.
  • BMW X5 vs. Lincoln Aviator – The 2022 BMW X5 has an average MSRP that is $8,037 more expensive than the Lincoln Aviator ($74,700 versus $66,663). Insuring the BMW X5 compared to the Lincoln Aviator costs an average of $216 more each year.
  • BMW X5 vs. BMW iX – The average MSRP for a 2022 BMW X5 is $8,500 cheaper than the BMW iX, at $74,700 compared to $83,200. Insurance on a X5 costs an average of $96 less every 12 months than the BMW iX.
  • BMW X5 vs. Land Rover Discovery – Having an average MSRP of $65,680 and ranging from $56,600 to $75,300, the Land Rover Discovery costs $9,020 less than the average sticker price for the BMW X5. Buying car insurance for the Land Rover Discovery costs an average of $276 less annually than the BMW X5.

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