BMW X5 Insurance — Safety Ratings & Recalls
The BMW X5 is a luxury mid-size suv. Its best NHTSA overall rating across tested variants is 4 stars. The table below lists the NHTSA overall rating, recalls and complaints for each model year (NHTSA 5-Star Safety Ratings, Recalls and Complaints, fetched 2026-09-02).
Quote My X5Luxury Mid-size SUV
Body Type
4 stars NHTSA overall
Best NHTSA Overall Rating
2020–2026
Model Years Covered
Germany
Country of Origin
BMW X5 — NHTSA Ratings, Recalls and Complaints by Year
| Model year | NHTSA overall rating | Recalls | Complaints |
|---|---|---|---|
| 2020 BMW X5 | 4 stars | 11 | 107 |
| 2021 BMW X5 | 4 stars | 12 | 102 |
| 2022 BMW X5 | 4 stars | 1 | 65 |
| 2023 BMW X5 | 4 stars | 4 | 31 |
| 2024 BMW X5 | 4 stars | 8 | 144 |
| 2025 BMW X5 | 4 stars | 5 | 61 |
| 2026 BMW X5 | 4 stars | 2 | NHTSA lists no count |
Source: NHTSA 5-Star Safety Ratings, Recalls and Complaints, fetched 2026-09-02 (National Highway Traffic Safety Administration, https://www.nhtsa.gov/nhtsa-datasets-and-apis). Star ratings are NHTSA's 5-Star Safety Ratings per tested vehicle variant; 'Not Rated' means NHTSA did not test that variant. Recall and complaint counts are the counts NHTSA computes for the make, model and model year on the fetch date.
What does BMW X5 insurance cost?
No public source prices a specific model. In 2023, the average U.S. driver spent $1,282 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data).
Your rate depends on your driving record, your ZIP code, the coverage you pick and the model year. Crash-test ratings, repair costs and theft claims for the model move the price as well. A quote is the only price for your BMW X5.
About BMW X5 Insurance
The BMW X5 is a luxury mid-size suv from BMW. BMW is a German automaker based in Munich. Its U.S. line includes the 3 Series and 5 Series sedans and the X1, X3 and X5 SUVs.
Insurers price the replacement value, the repair cost, the crash-test results and the theft claims of the X5. The model year moves the price as well: a newer year costs more to replace, and an older year can lack the safety equipment that earns a discount. Open a year page for the NHTSA-tested variants and their ratings.
Frequently Asked Questions
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