Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 24, 2019

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Smart consumers in the market for a BMW X5 are considering not just the sticker price of this luxury vehicle, but also the vehicle’s total cost of ownership.

Ownership costs include bills for repairs and maintenance, fuel costs and car insurance premiums which can vary significantly depending on factors such as where you live, how much you drive and how clean your driving record is.

Car insurance rates also vary depending on factors like your gender, marital status and age, and even the length of time you’ve been with your car insurance company.

To get the most accurate car insurance quotes for the BMW X5, enter your zip code in the box on this page.

Then read this X5 review first to get important details about this luxury BMW crossover.

Key Facts About the BMW X5

The E53 BMW X5 went on the market in 1999 as BMW’s first sport utility vehicle, but BMW likes to call it a “sport activity vehicle” to emphasize that it delivers impressive performance both on- and off-road.

The E53 was replaced by the second-generation E70 BMW X5 in 2006, and it is manufactured in Kaliningrad, Russia, as well as Greer, South Carolina. Starting with sales of just 1,312 in 1999, BMW sold 35,776 units of the X5 in the U.S. in 2010.

BMW X5 Awards and Recognition

The 2011 BMW X5 was rated one of Car and Driver’s top ten best purchases in terms of resale value. It is ranked twelfth out of seventeen on U.S. News and World Report’s list of luxury midsize SUVs, tying with the Acura ZDX and the Volvo XZ90.

Topping this list for 2011 were the Volkswagen Touareg, the Acura MDX and the Lincoln MKT. At #4, the Lexus RX 350 won the title of “Best Luxury Midsize Crossover for the Money.”

Although it did not receive top honors, the BMW X5 did outrank the slightly larger BMW X6 (#17), the Lincoln MKX and the Lexus GX (both tied for #15).

BMW X5 Trim Choices and Performance

Consumers who opt for a BMW X5 can choose among five different trim styles. The X5 xDrive35i, X5 xDrive35i Premium and X5 xDrive35i Sport Activity all average an EPA-rated 23 mpg on the highway and feature a 3.0 liter, 6-cylinder engine that generates 300 horsepower.

The diesel-powered X5 xDrive35d also features a 3.0 liter, 6-cylinder engine, but gets 26 mpg on the highway and offers just 265 horsepower.

The most powerful BMW X5 available is the X5 xDrive50i, which is equipped with a 4.4 liter, V8 engine that generates 400 horsepower and gets 20 mpg on the highway.

According to U.S. News and World Report, the vehicle’s improved fuel economy puts it near the top of its class in this respect, and the base engine can still go from 0 to 60 in 6.4 seconds.

BMW says that the X5 xDrive50i can accomplish the same feat in 5.3 seconds. All BMW X5s come with an 8-speed automatic transmission featuring Steptronic control.

This system lets the driver choose the appropriate shifting program: Manual, Drive Sport or Drive.

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BMW X5 Pricing and Warranty

The MSRP for the base model starts at $46,330, while the more powerful X5 xDrive50i starts at $58,900. The base MSRP for the X5 xDrive35i Premium is $52,100, and the X5 xDrive35i Sport Activity trim costs an additional $2,500.

The All BMW X5s have 4-wheel drive and come with a basic 4-year or 50,000 mile warranty. It includes full maintenance and roadside assistance for four years, regardless of mileage.

BMW X5s are guaranteed against corrosion for 12 years, regardless of mileage.

BMW X5 Interior Features

Like all BMWs, the X5′s interior is undeniably upscale. Consumer Guide says the interior materials are both durable and luxurious, although the beige and brown color scheme is more pleasing to the eye than the stark black option.

The base BMW X5 comes standard with automatic climate control, an HD radio, dual-power outside mirrors and a moonroof. Optional upgrades include a TV/DVD player in the rear seat and a navigation system.

As usual, reviewers complain that BMW’s iDrive entertainment and climate control system is overly complex.

BMW X5 Safety Features and Ratings

The 2011 BMW X5 has not undergone crash testing yet, but it is mechanically similar to the 2010 model and should receive similar scores, according to U.S. News and World Report.

The federal government’s ratings agency gave the 2010 BMW X5 five out of five stars in the following crash tests: protecting the driver in front-impact crashes, protecting the driver and front-seat passenger in side impact crashes and protecting rear-seat passengers in side impact crashes.

It received four out of five stars for protecting passengers in frontal-impact collisions and preventing rollovers.

The insurance industry’s rating organization also gave the BMW X5 top ratings in front, side and rear impact collision testing.

Safety features on the BMW X5 include active cruise control, a lane departure warning system, dynamic stability and traction control, park distance control and an optional rearview camera.

Dynamic hill descent control, brake control and cruise control are also standard.

Car Insurance Cost for a BMW X5

The cost of ownership for a BMW X5 is significant, but it is reduced by BMW’s policy of providing free maintenance for the first four years or 50,000 miles that the vehicle is on the road.

According to Edmunds, the average BMW X5 owner paid $8,746 for car insurance for the vehicle over five years. This averages out to around $1,750 per year or $146 dollars per month.

However to get the most accurate car insurance rates always compare at least a handful of car insurance companies as insurers calculate risk and premiums differently.

Compare Auto Insurance Quotes with our FREE quote tool today!

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