BMW X5 Car Insurance

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The BMW X5 is a midsize luxury SUV combining performance, advanced technology, and premium comfort. Known for its dynamic handling and elegant styling, it appeals to drivers seeking an upscale family vehicle without sacrificing driving enjoyment.

BMW X5 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2025, the average premium for the BMW X5 rises sharply, moving from $1259 to $2469, before easing to $2095 in 2026. This pattern reflects overall increases in repair costs followed by a slight recent correction.

To find the best insurance for your BMW X5 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW X5

How much does insurance for your BMW X5 cost in Quebec?

Premiums vary widely by city for the BMW X5, ranging from $987 in Brossard to $5584 in Sherbrooke. Montreal ($3570) and Saint-Jérôme ($3283) also post high amounts, while Saguenay ($1256) and Longueuil ($1488) remain among the most affordable.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$986.69
DRUMMONDVILLE	$2171.02
GATINEAU	$2243.74
LAVAL	$2443.99
LÉVIS	$2530.20
LONGUEUIL	$1488.24
MONTRÉAL	$2876.25
QUÉBEC	$2547.94
REPENTIGNY	$2606.56
Saguenay	$1256.16
SAINT-JÉRÔME	$3283.41
SHERBROOKE	$5583.85
TERREBONNE	$1902.73

Frequently asked questions (FAQ)

How much does it cost to insure a BMW X5?

The average premium for a BMW X5 reached $2469 in 2025 and stands at $2095 in 2026, based on available data for this model.

Has the BMW X5 premium increased over the years?

Overall, yes. Between 2021 and 2025, the average premium rose from $1259 to $2469, before easing slightly to $2095 in 2026, showing some recent volatility.

Which city has the highest insurance cost for a BMW X5?

Based on the data provided, Sherbrooke shows the highest premium at $5584, followed by Montreal ($3570) and Saint-Jérôme ($3283).

Where is the BMW X5 cheapest to insure?

Brossard ($987), Saguenay ($1256), and Longueuil ($1488) show the lowest average premiums among the cities provided.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.

Why is the BMW X5 expensive to insure?

Its high replacement value, specialized parts costs, and classification as a luxury SUV contribute to premiums above the market average.

MERCEDES
GLE

AUDI
Q7

PORSCHE
CAYENNE

VOLVO
XC90

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 08/14/2026

Model version by year

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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