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BMW X5 2022 Car Insurance

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The 2022 BMW X5 is a midsize luxury SUV that blends sporty performance, advanced onboard technology, and refined comfort. Built for demanding drivers, it stands as a benchmark in the premium SUV segment thanks to its versatility and prestige.

BMW X5 2022 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2022 BMW X5 fluctuate rather than follow a steady path, moving from $2611 in 2021 down to $1867 in 2022, then climbing to $2862 in 2025 before dropping to $2208 in 2026. This variability reflects shifting repair costs and risk assessments from year to year.

To find the best insurance for your BMW X5 2022 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW X5 2022 cost in Quebec?

Premiums for the 2022 BMW X5 vary significantly by city, with Montreal ($5114) and Gatineau ($3864) showing amounts well above average. In contrast, Sherbrooke ($1787) and Quebec City ($1795) offer the most affordable premiums, while Laval ($2143) and Longueuil ($2018) fall in between.

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
GATINEAU $3864.49
LAVAL $2142.96
LONGUEUIL $2018.05
MONTRÉAL $2068.09
QUÉBEC $1795.01
SHERBROOKE $1786.99

Frequently asked questions (FAQ)

How much does insurance cost for a 2022 BMW X5?
In 2022, the average premium for a 2022 BMW X5 was $1867. This amount has fluctuated over the years, reaching $2862 in 2025 before dropping to $2208 in 2026.
Do 2022 BMW X5 premiums follow a stable trend?
No. Data from 2021 to 2026 shows significant variability with no clear linear trend, moving from $2611 to $1867, then rising to $2862 before falling back to $2208.
Which city has the highest insurance cost for a 2022 BMW X5?
Based on the data provided, Montreal shows the highest premium at $5114, followed by Gatineau at $3864.
Where is the 2022 BMW X5 cheapest to insure?
Sherbrooke ($1787) and Quebec City ($1795) post the lowest average premiums among the cities provided for this model.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why is the BMW X5 more expensive to insure than a regular SUV?
Its classification as a luxury SUV, along with higher parts values and specialized labor costs, contributes to premiums generally exceeding those of mainstream SUVs.
How can I get a better price to insure a 2022 BMW X5?
Comparing quotes from several insurers, especially between cities like Montreal and Sherbrooke where differences exceed $3000, can often reveal significant savings.

Offers received by our customers on BMW X5 2022 cars

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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: 09/04/2026

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