BMW X5 Car Insurance Quotes (2025)
The average cost of car insurance for the BMW X5 is $170 per month, which is more expensive than the national average.
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The 2025 BMW X5 is ranked as one of the best luxury midsize SUVs, according to Kelley Blue Book (KBB).[?] Insurance for the BMW X5 costs slightly more than for competitors, including the Lincoln Nautilus and the Infiniti QX60.
Full coverage for the BMW X5 costs $222 per month, on average, and liability coverage costs $118 per month, according to Insurify data. In comparison, the national average monthly cost of full coverage is $177, and liability-only coverage is $100.
Here’s what you need to know about finding the right car insurance for your BMW X5.
Quick Facts
Car insurance for the BMW X5 costs an average of $2,040 per year.
J.D. Power rates the 2025 BMW X5 as one of the best upper midsize premium SUVs.[?]
USAA, State Farm, and Allstate offer some of the cheapest average BMW X5 insurance rates.
Cost of BMW X5 insurance by model year
Car insurance for a BMW X5 averages $118 per month for liability-only coverage and $222 for a full-coverage policy. USAA offers some of the cheapest rates, but costs vary widely based on trim level, safety features, and model year.
The table below shows average monthly quotes for 10 BMW X5 model years.
Model Year  | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| 2025 | $284 | $151 |
| 2024 | $284 | $151 |
| 2023 | $279 | $148 |
| 2022 | $278 | $148 |
| 2021 | $264 | $140 |
| 2020 | $257 | $137 |
| 2019 | $247 | $131 |
| 2018 | $236 | $125 |
| 2017 | $233 | $124 |
| 2016 | $223 | $119 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The starting manufacturer’s suggested retail price (MSRP) for a 2025 BMW X5 ranges from $67,475 to $92,025, according to KBB. Pricing is based on trim level and included equipment.
Average monthly insurance rates from several of the best insurance companies appear below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $142 $74 State Farm $170 $88 Allstate $190 $97 GEICO $210 $109 American Family $219 $112 Progressive $224 $160 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2024, the starting MSRP for a BMW X5 ranged from $66,195 to $90,295.
The table below shows average monthly quotes from various insurers for the 2024 BMW X5.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $142 $74 State Farm $170 $88 Allstate $190 $97 GEICO $210 $109 American Family $219 $112 Progressive $224 $160 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 BMW X5’s starting MSRP ranged from $62,595 to $86,395.
Check out the table below for average monthly quotes from several top insurance companies for this model year.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $140 $73 State Farm $167 $86 Allstate $187 $95 GEICO $206 $107 American Family $215 $110 Progressive $220 $157 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A new BMW X5’s starting MSRP in 2022 ranged between $62,645 and $84,795.
The following table shows average monthly quotes from several of the cheapest insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $139 $73 State Farm $167 $86 Allstate $186 $95 GEICO $206 $107 American Family $214 $110 Progressive $220 $157 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2021, the starting MSRP for a BMW X5 was $64,645 for the base trim and up to $84,795 for the top trim.
Insurers with the lowest average monthly rates appear in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $132 $69 State Farm $158 $81 Allstate $177 $90 GEICO $195 $101 American Family $203 $104 Progressive $209 $148 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A 2020 BMW X5 had a starting MSRP of $63,645, with its top-of-the-line model starting at $84,395.
See the following table for 2020 X5 average monthly quotes from several insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $190 $99 State Farm $154 $79 Allstate $172 $88 GEICO $190 $99 American Family $198 $101 Progressive $203 $145 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2019, a new BMW X5 had a starting MSRP of $63,855 for the base trim and $83,705 for the top trim level.
Here’s a look at the insurance companies offering the lowest rates for the 2019 X5.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $124 $64 State Farm $148 $76 Allstate $165 $84 GEICO $183 $94 American Family $190 $97 Progressive $195 $139 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A new 2018 BMW X5 had a starting MSRP between $59,295 and $79,095.
The following table highlights average monthly quotes from some of the best insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $118 $61 State Farm $142 $73 Allstate $158 $80 GEICO $175 $90 American Family $182 $93 Progressive $186 $133 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2017, a new BMW X5’s starting MSRP ranged between $56,895 and $77,145.
Average monthly quotes for this model year are shown in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $117 $61 State Farm $140 $72 Allstate $156 $79 GEICO $172 $89 American Family $179 $92 Progressive $184 $131 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A 2016 BMW X5 had a starting MSRP of $56,095 for a basic trim level up to $76,295 for the top trim.
The following table shows average monthly quotes from several of the cheapest insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $112 $58 State Farm $134 $69 Allstate $149 $76 GEICO $165 $86 American Family $172 $88 Progressive $176 $126 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of BMW insurance by state
Your location is one factor insurers use to determine your monthly premiums. Insurance rates vary depending on your state, city, and ZIP code because different locations have varying levels of theft, vandalism, and weather-related risks.[?]
The map below shows how BMW insurance costs vary across all models from state to state.
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How to ensure you have enough coverage on your BMW X5
Nearly every U.S. state requires drivers to carry minimum levels of liability insurance.
This policy type includes bodily injury and property damage coverage, and it pays for the other driver’s damages and medical bills if you cause an accident.
But since liability insurance doesn’t cover you, your passengers, or your vehicle, consider the following coverages to ensure you’re protected:[?]
BMW X5 car insurance FAQs
For more information about BMW X5 car insurance, see the answers to frequently asked questions below.
USAA offers some of the cheapest car insurance rates for the BMW X5. But USAA is available only to active and former military members and their families. Other companies offering cheap insurance include State Farm and Allstate.
The average cost to insure a BMW X5 is $118 per month for liability-only coverage and $222 for a full-coverage policy, according to Insurify data.
Yes. With average monthly rates of $170, the BMW X5 costs more to insure than the national average of $138 for all cars, according to Insurify data.
Yes. The BMW X5 is considered a luxury vehicle, according to information from J.D. Power and Kelley Blue Book.
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