BMW X5 M Insurance: by Model Year & Company
BMW X5 M insurance costs an average of $1,866 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest BMW X5 M at $243/mo or $1,458 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a BMW X5 M:
- The X5 M costs more to insure than most SUVs. Averaging $311/mo for the X5 M versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the X5 M, like the BMW X3 M ($291/mo), BMW X6 M ($353/mo), or BMW X5 ($211/mo), your insurance costs will be about the same.
- Progressive ($191/mo), American Family ($219/mo), State Farm ($274/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,915 |
| American Family |
$3,363 |
| USAA |
$4,001 |
| Nationwide |
$4,061 |
| Erie |
$4,314 |
| State Farm |
$4,392 |
| GEICO |
$6,002 |
| Farmers |
$6,221 |
| Allstate |
$9,032 |
Compare all 2025 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$5,2212024 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,854 |
| American Family |
$3,227 |
| Erie |
$4,170 |
| Nationwide |
$4,170 |
| State Farm |
$4,223 |
| USAA |
$4,496 |
| GEICO |
$5,745 |
| Farmers |
$5,763 |
| Allstate |
$8,564 |
Compare all 2024 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$5,1162023 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,775 |
| American Family |
$2,988 |
| Nationwide |
$3,790 |
| State Farm |
$4,006 |
| Erie |
$4,030 |
| GEICO |
$5,453 |
| USAA |
$5,974 |
| Farmers |
$6,309 |
| Allstate |
$7,267 |
Compare all 2023 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$5,0082022 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,694 |
| American Family |
$2,785 |
| Nationwide |
$3,714 |
| Erie |
$3,776 |
| State Farm |
$3,818 |
| USAA |
$3,829 |
| GEICO |
$4,759 |
| Farmers |
$5,940 |
| Allstate |
$6,675 |
Compare all 2022 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$4,3842021 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,332 |
| Progressive |
$2,542 |
| Erie |
$3,649 |
| USAA |
$3,655 |
| Nationwide |
$4,082 |
| State Farm |
$4,225 |
| GEICO |
$5,037 |
| Farmers |
$5,641 |
| Allstate |
$6,382 |
Compare all 2021 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$4,4212020 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,420 |
| American Family |
$2,674 |
| USAA |
$3,300 |
| Erie |
$3,625 |
| State Farm |
$3,703 |
| Nationwide |
$4,034 |
| GEICO |
$4,369 |
| Farmers |
$5,351 |
| Allstate |
$6,023 |
Compare all 2020 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$4,0752018 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,085 |
| American Family |
$2,686 |
| State Farm |
$2,761 |
| Erie |
$3,513 |
| Nationwide |
$3,678 |
| USAA |
$4,191 |
| GEICO |
$4,427 |
| Allstate |
$5,085 |
| Farmers |
$5,368 |
Compare all 2018 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$3,8852017 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,121 |
| American Family |
$2,546 |
| USAA |
$3,155 |
| State Farm |
$3,223 |
| Erie |
$3,331 |
| Nationwide |
$3,458 |
| GEICO |
$3,989 |
| Allstate |
$4,424 |
| Farmers |
$4,878 |
Compare all 2017 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$3,5312016 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,050 |
| American Family |
$2,571 |
| USAA |
$3,002 |
| State Farm |
$3,003 |
| Nationwide |
$3,130 |
| Erie |
$3,191 |
| GEICO |
$3,871 |
| Allstate |
$4,324 |
| Farmers |
$4,657 |
Compare all 2016 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$3,3772015 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,980 |
| American Family |
$2,463 |
| State Farm |
$2,567 |
| Erie |
$2,887 |
| Nationwide |
$3,001 |
| USAA |
$3,248 |
| GEICO |
$3,649 |
| Allstate |
$4,089 |
| Farmers |
$4,584 |
Compare all 2015 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$3,2372013 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,824 |
| American Family |
$2,099 |
| State Farm |
$2,144 |
| Erie |
$2,554 |
| USAA |
$2,732 |
| Nationwide |
$2,884 |
| GEICO |
$3,194 |
| Allstate |
$3,780 |
| Farmers |
$3,896 |
Compare all 2013 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$2,8732012 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,751 |
| American Family |
$2,063 |
| USAA |
$2,266 |
| Nationwide |
$2,270 |
| Erie |
$2,371 |
| State Farm |
$2,393 |
| GEICO |
$3,038 |
| Farmers |
$3,746 |
| Allstate |
$3,841 |
Compare all 2012 BMW X5 M insurance rates.
Average Cost to Insure Per Year
$2,7042011 BMW X5 M
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,764 |
| USAA |
$2,121 |
| Erie |
$2,174 |
| State Farm |
$2,255 |
| American Family |
$2,346 |
| Nationwide |
$2,488 |
| GEICO |
$2,919 |
| Allstate |
$3,620 |
| Farmers |
$3,656 |