Ashlee Tilford Written by Ashlee Tilford
Managing Editor

Ashlee is a dynamic business writer and editor with a focus on personal finance. With an MBA and more than fourteen years in the finance industry, Ashlee brings a practical and relatable perspective to insurance topics. She is passionate about empowering others to achieve financial success and protect their assets. When Ashlee isn't writing and editing, she enjoys spending time with her partner, dog and chickens on their farm in Kentucky.


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Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Bmw X5 is $2,910 per year or $243 per month. However, these rates can vary depending on your location, driving history, age, and other factors.

The auto insurance rates also change based on the vehicle’s model year. For example, the 2023 Bmw X5 costs $2,910 per year, whereas the 2022 Bmw X5 costs $2,399 annually. State Farm offers the cheapest annual rate for 2023 Bmw X5 $1,898 per year.

Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.

Average insurance cost of Bmw X5 by model year

Year of Bmw X5 ModelAverage Cost to Insure
2023$2,910
2022$2,399
2021$2,427
2020$2,237
2019$2,221
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Compare Bmw X5 insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
Allstate4WD 4 Door SUV DOHC Turbo Hybrid$3,824
Geico4WD 4 Door SUV DOHC Turbo Hybrid$3,291
Farmers4WD 4 Door SUV DOHC Turbo Hybrid$3,680
Nationwide4WD 4 Door SUV DOHC Turbo Hybrid$3,135
Progressive4WD 4 Door SUV DOHC Turbo Hybrid$1,924
State Farm4WD 4 Door SUV DOHC Turbo Hybrid$2,648

Bmw X5 insurance rates per year

2023

2023 Bmw X5 insurance rates

Average cost to insure $2,910
Annual cheapest rate $1,898
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,898
2Nationwide$2,185
3Progressive$2,617
4Geico$2,810
5Farmers$3,575
6Allstate$4,377
2022

2022 Bmw X5 insurance rates

Average cost to insure $2,399
Annual cheapest rate $1,546
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,546
2Nationwide$1,962
3Progressive$2,057
4Geico$2,221
5Farmers$2,872
6Allstate$3,738
2021

2021 Bmw X5 insurance rates

Average cost to insure $2,427
Annual cheapest rate $1,478
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,478
2Progressive$1,500
3Geico$2,199
4Farmers$2,463
5Nationwide$2,487
6Allstate$4,432
2020

2020 Bmw X5 insurance rates

Average cost to insure $2,237
Annual cheapest rate $1,672
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,672
2Progressive$1,725
3Geico$2,048
4Nationwide$2,127
5Farmers$2,331
6Allstate$3,517
2019

2019 Bmw X5 insurance rates

Average cost to insure $2,221
Annual cheapest rate $1,727
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,727
2Geico$1,913
3Progressive$2,061
4Nationwide$2,094
5Farmers$2,734
6Allstate$2,796
2018

2018 Bmw X5 insurance rates

Average cost to insure $2,289
Annual cheapest rate $1,710
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,710
2Geico$1,947
3Progressive$1,963
4Nationwide$2,037
5Farmers$2,827
6Allstate$3,252
2017

2017 Bmw X5 insurance rates

Average cost to insure $2,219
Annual cheapest rate $1,697
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,697
2Geico$1,883
3Progressive$1,920
4Nationwide$2,081
5Farmers$2,748
6Allstate$2,984
2016

2016 Bmw X5 insurance rates

Average cost to insure $2,165
Annual cheapest rate $1,688
Available trims M XDrive, SDrive 40i, XDrive 40i, XDrive 45e, XDrive M50i
RankCompanyAverage annual premium
1State Farm$1,688
2Geico$1,816
3Progressive$1,889
4Nationwide$2,042
5Farmers$2,686
6Allstate$2,866
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