The 2025 BMW X5 is ranked as one of the best luxury midsize SUVs, according to Kelley Blue Book (KBB).1 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 $182, and liability-only coverage is $103.
Here’s what you need to know about finding the right car insurance for your BMW X5.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.3
The map below shows how BMW insurance costs vary across all models from state to state.
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:4
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 $143 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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