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This is $3,580 more than the national average for luxury SUV models.Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.
Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for the BMW XM.
By age & profile
How estimated annual premiums move with driver age and risk profile. Hover any bar for the exact figure.
Estimated annual full-coverage premium for the BMW XM, projected across age bands using industry-standard rate multipliers applied to the make-level base cost. See methodology below for assumptions.
BMW XM insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the button below to get free quotes to lower your insurance costs. Advertising Disclosure
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By state
| State | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| Alabama | $7,286 | $10,582 | $13,470 |
| Alaska | $6,026 | $8,354 | $8,120 |
| Arizona | $6,813 | $9,849 | $14,511 |
| Arkansas | $7,470 | $11,737 | $12,922 |
| California | $8,317 | $14,707 | $8,317 |
| Colorado | $7,761 | $10,862 | $13,781 |
| Connecticut | $9,916 | $15,378 | $19,521 |
| Delaware | $8,209 | $10,940 | $14,052 |
| Florida | $9,774 | $13,522 | $17,621 |
| Georgia | $7,968 | $11,915 | $12,014 |
| Hawaii | $3,183 | $4,321 | $3,183 |
| Idaho | $5,530 | $7,331 | $8,912 |
| Illinois | $5,788 | $8,749 | $9,976 |
| Indiana | $5,947 | $9,091 | $10,202 |
| Iowa | $4,710 | $6,460 | $7,596 |
Showing 15 of 50 states. * See methodology.
Finding a vehicle with affordable insurance is important, but it’s worth viewing all major — the full BMW XM cost picture to find the best value at the lowest cost. Explore the other ownership expenses below:
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By age — detailed
| Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $23,293 | $34,203 | $40,013 |
| 18 | $21,707 | $31,874 | $37,289 |
| 19 | $19,183 | $28,169 | $32,954 |
| 20 | $16,727 | $24,562 | $28,734 |
| 21 | $14,027 | $20,598 | $24,096 |
| 22 | $13,661 | $20,060 | $23,468 |
| 23 | $11,953 | $17,552 | $20,534 |
| 24 | $11,356 | $16,675 | $19,508 |
| 25 | $9,800 | $14,390 | $16,835 |
| 30 | $7,634 | $11,210 | $13,114 |
| 35 | $7,150 | $10,499 | $12,282 |
| 40base | $6,877 | $10,097 | $11,813 |
| 45 | $6,691 | $9,826 | $11,495 |
| 55 | $6,137 | $9,011 | $10,542 |
| 65 | $6,401 | $9,400 | $10,997 |
| 75 | $8,080 | $11,864 | $13,879 |
* See methodology and assumptions below.
BMW XM car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW XM by state.
