How much is insurance on a BMW X5?

Priced for the 2024 X5 xDrive40i, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the BMW X5's rank is the same in every state.

Why the BMW X5 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the BMW X5 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 122 for crash repairs, 162 for non-crash damage, 86 for damage to others' property, and 62 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage22% worse than average8th best of the 9 midsize luxury SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesSubstantially worse than average62% worse than averageworst of the 9 midsize luxury SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage14% better than average7th best of the 9 midsize luxury SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 38% less often than average2nd best of the 7 midsize luxury SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the BMW X5 comes out about 34% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add an adjustment fitted to those prices. With it, the part of the bill that fixes the car is about 95% more than average: about $1,860 a year vs $950. On the liability side, damage to others and injury claims combine to about 28% better than average. We count about half, so that part is about 14% less: $850 a year vs $990.

How the math works

By EPA size class the BMW X5 is a standard SUV with a hybrid powertrain, and HLDI tracks the X5 alongside midsize luxury SUVs.

• HLDI's loss data has no separate figures for this hybrid, so we used the gas version's.
• Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “BMW X5 4dr 4WD” (HLDI, 2022–24 models).

A used BMW X5, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 X5 xDrive40i (0–3 years old)	about $2,700	about $850	+$1,780	about $7,760
2022 X5 xDrive40i (4–7 years old)	about $2,480	about $850	+$1,640	about $7,120
2018 X5 xDrive35i (8–12 years old)	about $2,220	about $790	+$1,470	about $6,380
2013 X5 xDrive35d (13 or more years old)	about $2,010	about $850	+$1,330	about $5,780

Our catalog covers the BMW X5 across model years 2006–2027. Full coverage on a used 2013 X5 (13 or more years old) runs about $2,010 a year, $690 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $850 a year. Each photo shows that year's generation of the car. Photo credits.

All 4 versions of the 2024 BMW X5 in our catalog (X5 M Competition, X5 M60i xDrive, X5 xDrive40i and X5 sDrive40i) price within about $50 a year of each other.

On a policy of their own with a 2024 BMW X5, a 22–25-year-old pays about $3,520 a year ($810 more than a 45-year-old), a 26–39-year-old about $3,000, and a driver 65 and older about $2,840.

Adding a 16-year-old with a BMW X5

A new driver costs more with any car, and more than usual with the BMW X5: adding a 16-year-old raises the family bill by about $1,780 a year ($150 a month), $500 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $7,760 a year ($5,980 more than adding them to the family policy).

For adding a teen driver, the BMW X5 ranks 6th most expensive out of all 121 models we track. Stepping down to a used 2013 X5 (13 or more years old) brings the teen add-on to about $1,330 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize luxury SUVs

Among these 9 midsize luxury SUVs, the BMW X5 is the most expensive to insure. Just below it is the Tesla Model Y, at about $2,690 a year.

• 2024 Mercedes-Benz GLC-Classabout $2,480 ($220 less)
• 2024 BMW X3about $2,570 ($130 less)
• 2024 Audi Q5about $2,590 ($110 less)
• 2024 Tesla Model Yabout $2,690 (about the same)
• 2024 BMW X5about $2,700 (this car)

Photos from Wikimedia Commons contributors. Photo credits.

What a BMW X5 costs in your state

In six sample states, a 2024 BMW X5 runs from about $1,880 a year in Wisconsin through Tennessee, Pennsylvania, Arizona and Rhode Island to about $3,560 in New York:

• Wisconsinabout $1,880/yr · +$1,240 teen
• Tennesseeabout $2,280/yr · +$1,500 teen
• Pennsylvaniaabout $2,390/yr · +$1,580 teen
• Arizonaabout $2,830/yr · +$1,870 teen
• Rhode Islandabout $3,210/yr · +$2,120 teen
• New Yorkabout $3,560/yr · +$2,350 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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