BMW X5 Insurance: by Model Year & Company
BMW X5 insurance costs an average of $1,268 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest BMW X5 at $195/mo or $1,169 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:
- The X5 costs more to insure than most SUVs. Averaging $211/mo for the X5 versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the X5, like the BMW X5 M ($311/mo), BMW 1 Series ($138/mo), or BMW 6 Series ($248/mo), your insurance costs will be about the same.
- Progressive ($157/mo), American Family ($164/mo), USAA ($165/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
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,338 |
| American Family |
$2,452 |
| USAA |
$2,489 |
| Nationwide |
$2,695 |
| State Farm |
$3,176 |
| Erie |
$3,352 |
| GEICO |
$3,781 |
| Farmers |
$4,780 |
| Allstate |
$5,881 |
Compare all 2025 BMW X5 insurance rates.
Average Cost to Insure Per Year
$3,5182024 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,303 |
| American Family |
$2,364 |
| Nationwide |
$2,762 |
| USAA |
$2,775 |
| State Farm |
$3,055 |
| Erie |
$3,206 |
| GEICO |
$3,632 |
| Farmers |
$4,531 |
| Allstate |
$5,707 |
Compare all 2024 BMW X5 insurance rates.
Average Cost to Insure Per Year
$3,4682023 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,252 |
| American Family |
$2,384 |
| USAA |
$2,486 |
| Nationwide |
$2,695 |
| State Farm |
$2,794 |
| Erie |
$2,943 |
| GEICO |
$3,293 |
| Farmers |
$3,941 |
| Allstate |
$5,157 |
Compare all 2023 BMW X5 insurance rates.
Average Cost to Insure Per Year
$3,1812022 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,192 |
| American Family |
$2,231 |
| USAA |
$2,366 |
| Nationwide |
$2,384 |
| State Farm |
$2,584 |
| Erie |
$2,792 |
| GEICO |
$3,192 |
| Farmers |
$3,646 |
| Allstate |
$4,952 |
Compare all 2022 BMW X5 insurance rates.
Average Cost to Insure Per Year
$3,0182021 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,956 |
| Progressive |
$2,104 |
| USAA |
$2,240 |
| Nationwide |
$2,498 |
| State Farm |
$2,644 |
| Erie |
$2,654 |
| GEICO |
$2,972 |
| Farmers |
$3,474 |
| Allstate |
$3,787 |
Compare all 2021 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,7692020 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,970 |
| Progressive |
$2,008 |
| USAA |
$2,126 |
| Nationwide |
$2,465 |
| State Farm |
$2,531 |
| Erie |
$2,573 |
| GEICO |
$2,870 |
| Farmers |
$3,299 |
| Allstate |
$3,719 |
Compare all 2020 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,6782019 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,925 |
| American Family |
$2,117 |
| USAA |
$2,185 |
| Nationwide |
$2,393 |
| Erie |
$2,515 |
| State Farm |
$2,533 |
| GEICO |
$2,895 |
| Farmers |
$3,593 |
| Allstate |
$4,004 |
Compare all 2019 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,7332018 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,822 |
| USAA |
$1,885 |
| American Family |
$1,973 |
| Nationwide |
$2,128 |
| State Farm |
$2,301 |
| Erie |
$2,619 |
| GEICO |
$2,641 |
| Farmers |
$2,930 |
| Allstate |
$3,215 |
Compare all 2018 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,4042017 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,798 |
| Progressive |
$1,855 |
| American Family |
$1,872 |
| Nationwide |
$2,211 |
| State Farm |
$2,268 |
| GEICO |
$2,598 |
| Erie |
$2,609 |
| Farmers |
$2,836 |
| Allstate |
$3,042 |
Compare all 2017 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,3612016 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,707 |
| Progressive |
$1,771 |
| American Family |
$1,841 |
| State Farm |
$2,048 |
| Nationwide |
$2,308 |
| GEICO |
$2,424 |
| Erie |
$2,714 |
| Farmers |
$2,736 |
| Allstate |
$2,988 |
Compare all 2016 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,2742015 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,614 |
| Progressive |
$1,643 |
| American Family |
$1,780 |
| State Farm |
$1,953 |
| Nationwide |
$2,149 |
| Erie |
$2,162 |
| GEICO |
$2,338 |
| Farmers |
$2,631 |
| Allstate |
$2,839 |
Compare all 2015 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,1482014 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,473 |
| USAA |
$1,536 |
| American Family |
$1,730 |
| State Farm |
$1,888 |
| Erie |
$2,095 |
| Nationwide |
$2,099 |
| GEICO |
$2,221 |
| Farmers |
$2,523 |
| Allstate |
$2,957 |
Compare all 2014 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,0812013 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,546 |
| Progressive |
$1,590 |
| American Family |
$1,761 |
| State Farm |
$2,011 |
| Erie |
$2,014 |
| GEICO |
$2,097 |
| Nationwide |
$2,270 |
| Farmers |
$2,487 |
| Allstate |
$2,843 |
Compare all 2013 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,0842012 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,529 |
| USAA |
$1,536 |
| American Family |
$1,670 |
| Erie |
$1,996 |
| State Farm |
$2,018 |
| GEICO |
$2,022 |
| Nationwide |
$2,189 |
| Farmers |
$2,398 |
| Allstate |
$2,885 |
Compare all 2012 BMW X5 insurance rates.
Average Cost to Insure Per Year
$2,0452011 BMW X5
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,401 |
| Progressive |
$1,481 |
| American Family |
$1,508 |
| Erie |
$1,608 |
| State Farm |
$1,878 |
| GEICO |
$1,900 |
| Nationwide |
$2,261 |
| Farmers |
$2,338 |
| Allstate |
$2,739 |