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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Prepare to pay higher insurance rates if you own a BMW. The average cost of coverage for an X5 is $170 per month, according to Compare.com data. That’s nearly 10% more than the average car.
Still, some companies offer lower rates for the luxury vehicle.
Below, we explore BMW X5 insurance costs by model year, state, coverage, and more to help you find more affordable rates.
Full-coverage car insurance for a BMW X5 averages $222 per month, while liability coverage costs $118.
GEICO, Root, and Safeco are the best insurers for the BMW X5.
BMW X5 insurance rates range widely by state, with Nevada drivers paying an average of $87 per month and Delaware drivers paying $325.
The amount you pay for your BMW X5 insurance depends on the auto insurance policy you choose. Most states require liability insurance, which covers other drivers when you cause an accident.
Full-coverage car insurance includes liability insurance in addition to comprehensive coverage and collision coverage. It covers you in a range of situations, including car accidents, theft, and if you hit an object such as a tree or mailbox.[1]
The table below compares average monthly rates by policy for the BMW X5 and the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| BMW X5 | $118 | $222 | $170 |
| All vehicles | $108 | $190 | $149 |
Liability coverage for the BMW X5 averages $118 per month, and full coverage runs round $222. Keep in mind that these are only averages, and your premiums will vary based on factors like your age, location, credit history, and driving record.
When comparing average BMW X5 insurance costs, consider that you have many ways to save on coverage, regardless of the average rates you see. For example, you can reduce costs with insurance discounts and a good driving record.
Let’s take a look at the top five cheapest car insurance companies for BMW X5 owners, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| GEICO | $130 |
| Mercury | $133 |
| Safeco | $136 |
| Root | $137 |
| National General | $151 |
GEICO offers the lowest average BMW X5 monthly premium, at $130. While the above companies offer cheaper rates, on average, it doesn’t mean they’ll be the cheapest company for you.
It’s essential to compare your options by shopping around and getting multiple quotes from different companies. Next, we’ll explore different driving profiles and some of the best insurance companies for these specific BMW X5 drivers.
Comparing personalized quotes is the only way to find the best coverage.
When it comes to insurance for your vehicle, you won’t find one company that fits every driver. The best insurance company depends on your needs and budget.
Our research shows that the following companies are top insurers for discounts, safe drivers, and high-risk drivers. We chose each based on average monthly rates, discounts, customer reviews, and insurance coverages available.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
BMW X5 drivers can find some of the most affordable rates and discounts with GEICO. You can earn discounts for having a clean driving record, being a military member, having good grades, and owning a home. If you’re a recent buyer, you can also get a new vehicle discount.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Root can be a good option for safe drivers who own a BMW X5. The company monitors your driving habits through its mobile app and gives you a rate based on how you drive. Your safe driving can lead to saving up to $900 per year. But if your driving doesn’t meet Root’s standards, the company may not offer you coverage.
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco may be a good option for BMW X5 owners who are high-risk drivers and have speeding tickets or a driving under the influence (DUI) conviction on their driving record. It has low rates and even offers accident forgiveness as a coverage option.
The company has a new vehicle replacement coverage and rental reimbursement, which can be helpful if you get a new BMW X5 or if yours is unavailable due to repairs.
New vehicle replacement coverage
24-hour roadside assistance
Accident forgiveness available
Only available through insurance agents
Poor Trustpilot rating
Only available in 35 U.S. states
Comparing quotes can save you up to $867.†
Your vehicle model year can affect your car insurance rates. If your car is newer and has a higher value (especially based on the trim level), insurance can be more expensive. Higher insurance costs can be due to things like repair costs, theft rates, and more.[8]
Here’s how much you’ll pay for car insurance based on your BMW X5 model year, according to Compare.com data.
X5 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $196 |
| 2025 | $187 |
| 2024 | $197 |
| 2023 | $199 |
| 2022 | $189 |
| 2021 | $197 |
| 2020 | $194 |
| 2019 | $191 |
| 2018 | $191 |
| 2017 | $179 |
| 2016 | $173 |
| 2015 | $176 |
| 2014 | $180 |
| 2013 | $155 |
| 2012 | $150 |
| 2011 | $135 |
| 2010 | $150 |
Your BMW X5 insurance costs can also vary by state, which we break down in the next section.
Your location, including your ZIP code and state, plays a role in your BMW X5 car insurance rates. Each state has its own regulations and risks, so your area’s population density, theft rates, and crime rates can cause rates to vary widely state by state.
The map below shows average monthly rates for each state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $116 |
| Arizona | $168 |
| Arkansas | $152 |
| California | $187 |
| Colorado | $180 |
| Connecticut | $295 |
| Delaware | $325 |
| Florida | $241 |
| Georgia | $219 |
| Idaho | $245 |
| Illinois | $100 |
| Indiana | $104 |
| Iowa | $144 |
| Kansas | $123 |
| Kentucky | $136 |
| Louisiana | $191 |
| Maine | $203 |
| Maryland | $150 |
| Massachusetts | $306 |
| Michigan | $132 |
| Minnesota | $233 |
| Mississippi | $164 |
| Missouri | $165 |
| Montana | $135 |
| Nebraska | $131 |
| Nevada | $87 |
| New Hampshire | $117 |
| New Jersey | $136 |
| New Mexico | $92 |
| New York | $216 |
| North Carolina | $125 |
| North Dakota | $259 |
| Ohio | $311 |
| Oklahoma | $115 |
| Oregon | $154 |
| Pennsylvania | $146 |
| Rhode Island | $152 |
| South Carolina | $208 |
| South Dakota | $248 |
| Tennessee | $110 |
| Texas | $125 |
| Utah | $205 |
| Vermont | $155 |
| Virginia | $176 |
| Washington | $121 |
| District of Columbia | $154 |
| West Virginia | $110 |
| Wisconsin | $137 |
| Wyoming | $96 |
Aside from your state, your age is another risk factor that influences car insurance rates.
BMW X5 insurance costs vary substantially by age. Teen drivers pay a lot more than other age groups, and for good reason. Their risk levels are also much higher, with speeding as a major culprit. Speeding was a factor in 34% of total fatal crashes involving teens in 2023, according to the National Highway Traffic Safety Administration.
Here’s how insurance rates change for the BMW X5 by age group, according to our data.
Premiums for teens are the highest, at $418 per month, but they drop by more than half as you move into adulthood. Seniors pay the least, at just $171 per month for BMW X5 car insurance.
BMW X5 drivers with a clean driving record pay the lowest rates for car insurance because insurance companies view you as a lower risk for filing a claim. A traffic violation can raise your risk and insurance rates.
The table highlights average rates by driving record for BMW X5 drivers, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $222 |
| Speeding ticket | $308 |
| At-fault accident | $321 |
| DUI | $365 |
BMW X5 rates increase by an average of $86 per month after a speeding ticket. But auto insurance spikes the most for drivers with a DUI conviction, with drivers paying about $143 more per month than drivers with clean records.
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Drivers may prefer SUV models like the BMW X5 because of their performance capabilities and flexibility. But X5’s crash ratings, safety features, and trim level can all affect your car insurance rates.
Crash ratings: The 2025 BMW X5 has great crash ratings, earning it the Top Safety Pick+ rating from the Insurance Institute for Highway Safety (IIHS). Great crash ratings could lead to lower rates.
Active blind-spot detection: Certain safety features can potentially lower your rates. Newer BMW X5 cars have active blind-spot detection, a safety feature that alerts you to potential threats hiding in your blind spots.
Trim level: The BMW X5 trim level you choose affects not only how much you pay for the car but can also increase your insurance costs. More expensive vehicles tend to have higher repair costs, which translates to higher insurance premiums.
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If you’re in the market for BMW X5 car insurance, here’s how to lower your auto insurance policy costs:
Increase your deductible. If you have safe driving habits and a clean record, you may be able to benefit from increasing deductibles. A higher deductible leads to a lower monthly premium, but make sure you can pay for it if you file a claim.
Get a new vehicle discount. If you’re just buying a new BMW X5, consider getting quotes from companies that offer a new car discount. For example, GEICO offers up to 15% in savings.
Bundle multiple policies. If you already have a home or renters policy with a company, you could bundle your BMW X5 policy with the same insurer for additional savings.
Compare quotes. To lower your X5 insurance costs, get at least three quotes from different companies. Some insurers even offer a discount for starting your quote online.
Get coverage for your BMW X5 at the best price.
If you have more questions, here’s additional information about BMW X5 insurance costs.
Yes. BMW X5s are more expensive to insure, according to our data. It costs $170 per month to insure an X5, compared to the national average of $149 for all vehicles.
GEICO offers BMW X5 owners the cheapest car insurance, with an average rate of $130 per month, according to Compare.com data. Remember, your policy rates depend on a variety of factors, including your age, location, and driving history.
Car insurance for the 2025 BMW X5 costs an average of $187 per month, according to Compare.com data. Keep in mind your personal rates will depend on your insurance history, driving record, and coverage choices.
The cheapest BMW to insure is the X3, with an average rate of $163 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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