The BMW X5 is a luxury SUV combining sporty performance, advanced onboard technology, and refined interior space. Positioned in the premium segment, it appeals to drivers seeking versatility, comfort, and prestige for family or daily use.
From 2021 to 2025, premiums for the BMW X5 rise sharply, moving from $1393 to $2466, before easing to $2118 in 2026. This overall increase reflects high parts and maintenance costs, while the recent pullback may signal a market adjustment.
To find the best insurance for your BMW X5 vehicle, it is more important than ever to compare the available options.
Premiums vary significantly by city: Sherbrooke ($3685) and Montreal ($3570) show the highest amounts, while Brossard ($987) and Longueuil ($1488) offer the lowest premiums. This wide gap highlights the strong influence of location on BMW X5 insurance costs.
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 | $2513.87 |
| LAVAL | $2416.63 |
| LÉVIS | $2530.20 |
| LONGUEUIL | $1488.24 |
| MONTRÉAL | $2876.25 |
| QUÉBEC | $2493.55 |
| REPENTIGNY | $2606.56 |
| Saguenay | $1547.79 |
| SAINT-JÉRÔME | $3283.41 |
| SHERBROOKE | $3685.42 |
| TERREBONNE | $1954.22 |
Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.
| Model year | Average premium |
|---|---|
| BMW X5 2026 | $3376.67 |
| BMW X5 2025 | $2897.36 |
| BMW X5 2024 | $3179.15 |
| BMW X5 2023 | $2478.52 |
| BMW X5 2022 | $2468.93 |
| BMW X5 2021 | $2350.35 |
| BMW X5 2020 | $2132.30 |
| BMW X5 2019 | $2137.12 |
| BMW X5 2018 | $2044.54 |
| BMW X5 2017 | $2152.68 |
| BMW X5 2016 | $1722.82 |
| BMW X5 2015 | $1717.51 |
| BMW X5 2014 | $1543.97 |
| BMW X5 2013 | $1872.54 |
| BMW X5 2012 | $1287.17 |
| BMW X5 2011 | $1023.62 |
| BMW X5 2010 | $1284.54 |
| BMW X5 2009 | $1390.94 |
| BMW X5 2008 | $1166.82 |
| BMW X5 2007 | $1224.47 |
| BMW X5 2006 | $1072.81 |
| BMW X5 2005 | $498.48 |
No recent premium example was found for "BMW X5".
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To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :
The premiums above cover every version of the BMW X5, so that each average rests on enough quotes. Here are the versions this page includes.
| Version | Model years |
|---|---|
| X5 3.0i 4DR AWD | 2001 - 2006 |
| X5 3.0si 4DR AWD | 2007 - 2009 |
| X5 30i 4DR AWD | 2010 - 2011 |
| X5 35d 4DR AWD | 2009 - 2018 |
| X5 35i 4DR 2WD | 2014 - 2018 |
| X5 35i 4DR AWD | 2011 - 2018 |
| X5 4.4i 4DR AWD | 2001 - 2006 |
| X5 4.6iS 4DR AWD | 2002 - 2003 |
| X5 4.8i 4DR AWD | 2007 - 2009 |
| X5 4.8is 4DR AWD | 2004 - 2006 |
| X5 40 4DR AWD | 2027 |
| X5 40e 4DR AWD | 2016 - 2018 |
X5 40i 4DR 2WD (2021 - 2024), X5 40i 4DR AWD (2019 - 2026), X5 45e 4DR AWD (2021 - 2023), X5 48i 4DR AWD (2010), X5 50e 4DR AWD (2024 - 2026), X5 50i 4DR AWD (2011 - 2019), X5 M 4DR AWD (2010 - 2020), X5 M COMPETITION 4DR AWD (2020 - 2026), X5 M50i 4DR AWD (2020 - 2023), X5 M60i 4DR AWD (2024 - 2026)
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.
