How much is insurance on a BMW X5?
A 2024 BMW X5 runs about $2,700 a year for a typical 45-year-old, $760 more than an average 2024 car: pricier repairs outweigh fewer at-fault claims.
2024 BMW X5, national average
about $2,700 a year (about $225 a month)
roughly $1,800–$3,900
An average 2024 car: about $1,940. An older BMW X5 costs less (below).
Priced: the 2024 X5 xDrive40i (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used BMW X5, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,700 | about $850 | +$1,780 | about $7,760 |
| 2022 (4–7 years old) | about $2,480 | about $850 | +$1,640 | about $7,120 |
| 2018 (8–12 years old) | about $2,240 | about $850 | +$1,480 | about $6,430 |
| 2013 (13 or more years old) | about $2,000 | about $850 | +$1,320 | about $5,740 |
We list the BMW X5 for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 4 versions of the 2024 BMW X5 we list (X5 M Competition, X5 M60i xDrive, X5 xDrive40i and X5 sDrive40i) all come out within about $50 of each other.
The BMW X5 for other drivers on their own policy, a year: 22–25, $3,520; 26–39, $3,000; 65 and older, $2,840.
Adding a 16-year-old with a BMW X5
A new 16-year-old driving the BMW X5 adds about $1,780 a year ($150 a month), $500 more than with an average 2024 car.
For adding a teen, the BMW X5 ranks 6th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the BMW X5 costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- much higher than average
- Theft and weather
- much higher than average
- Damage to others
- lower than average
- Injuries to others
- much lower than average
The part that fixes or replaces the BMW X5: about $1,860, against $950 for an average 2024 car (95% more). The part that pays for harm to others: about $850, against $990 for an average car (14% less).
By the EPA's size classes it's a standard SUV, and it's a hybrid. The Highway Loss Data Institute groups it with midsize luxury SUVs.
- The claims 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 “BMW X5 4dr 4WD” in HLDI's results.
Similar midsize luxury SUVs
Among these 9 midsize luxury SUVs, the BMW X5 is the most expensive to insure.
- 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)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.