Insurance Cost For BMW X5

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What is the average insurance for a BMW X5?

The average cost to insure a BMW X5 is £1,379.50

To calculate this average we ran a number of quotes using typical driver profiles from different areas of the country and also included the following criteria:

  • Petrol engine
  • Manufactured in 2017
  • No driving offences
  • 10,000 miles driving per year
  • Parks on a driveway over night and at work during the day
  • Right hand drive car, no modifications
  • Voluntary excess of £250
  • No black box
  • A no claims bonus of 2 years

How much will my insurance be for a BMW X5?

Insurance prices are based on a multitude of factors including age, driving experience, mileage and location.

Due to this, although our average cost provides a good indicator, it is going to be far more accurate to get a quote with your own details.

The quote form takes around 3-5 minutes to complete and provides quotes from over 100 car insurance providers, allowing you to quickly and easily compare live insurance quotes for your X5.

If you are considering purchasing an X5 you can still compare quotes prior to purchase.

Save over £200 by comparing insurance quotes

How can I find the best deal for my X5 insurance?

Comparing quotes is a great way to save money on your insurance, but there are also a number of other ways to save money. We’ve ignored the factors that are realistically out of your control e.g. moving out of a city, increasing your no claims bonus and focused on factors that can be taken into account. Some of which are only applicable prior to purchasing an X5, whereas other tips can help current owners also.

To generate the information below we have created a user profile of an accountant working and living in London.

Petrol Vs Diesel

Petrol: £1,121
Diesel: £1,074

If you have not yet purchased your car then we would recommend running a quote for both petrol and diesel fuel types as our tests found a difference of almost £50 per year.

Mileage per year

10k: £1,121
20k: £1,265

Take the time to work out an accurate figure for your annual mileage as it can make a significant difference to your insurance premium. A word of warning though, do not give a false mileage figure to reduce your quote as it may invalidate your insurance in the event of a claim.

Voluntary excess

Voluntary excess of £200: £1,121
Voluntary excess of £500: £935

Deciding on the amount of excess you are willing to pay voluntarily in the event of any claim is tricky. It may be appealing to go for a higher excess in the mindset that you will not claim in the year etc. but this higher excess will really sting in the unfortunate event that you have to make a claim. Even if you consider yourself to the most careful of drivers you cannot account for other drivers on the road, in fact insurance claims are often made for hit and runs when the driver is not even in the vehicle.

Age of Vehicle

2017: £1,121
2010: £780

The age of your BMW will affect your insurance but it may not affect it as you think. Most people are of the belief that the cheaper the car the lower the insurance (as it is in the case) however this is not always true. It pays to check before you buy your car.

Modifications 

Not modified: £1,121
Modified: £1,304

For this illustration we have chosen a rear roof spoiler and a chipped engine. Modifications indicate higher risk to an insurance provider so if you can you should try and stay away from them. If you do modify your car in any way whilst you are insured you will need to advise your insurance provider immediately.

How can I find the best deal for my X5 insurance?

Comparing quotes is a great way to save money on your insurance, but there are also a number of other ways to save money. We’ve ignored the factors that are realistically out of your control e.g. moving out of a city, increasing your no claims bonus and focused on factors that can be taken into account. Some of which are only applicable prior to purchasing an X5, whereas other tips can help current owners also.

To generate the information below we have created a user profile of an accountant working and living in London.

Petrol Vs Diesel

Petrol: £1,121
Diesel: £1,074

If you have not yet purchased your car then we would recommend running a quote for both petrol and diesel fuel types as our tests found a difference of almost £50 per year.

Useful information about BMW’s X5 vs. competitors

The starting OTR (on the road) price for an X5 is ~£57,000
BMW’s website illustrate that rental prices are from £699 per month
The X5 is an efficient SUV delivering 32-47 mpg, which is significantly better than the Range Rover Sport’s 22-38 mpg.

Fuel Efficiency

BMW X5
Range Rover Sport
Jaguar F Pace

0-60 MPH

BMW X5
Range Rover Sport
Jaguar F Pace

Safety

BMW X5
Range Rover Sport
Jaguar F Pace

Costs

BMW X5
Range Rover Sport
Jaguar F Pace

Overall

BMW X5
Range Rover Sport
Jaguar F Pace

Save over £200 on average by comparing insurance quotes

Insurance Cost For BMW X5