2026 BMW X5 XDRIVE40I
2026 · Sport utility vehicle: Standard · gasoline
B
Top 30% of 2026 gas cars
9.4 L/100 km · about $3,185 a year
Among 2026 standard SUVs, all types#97 of 210
Against every car on sale today, EVs includedC
20,000 km a year at $1.69/L premium gasoline.
Change km or fuel price
F
Costs more to insure than 89% of 2026 cars
From what insurers paid out on the 2025 model
Compares cars, not drivers. Not a quote.
Insurance estimates for
- Crash rating
- — not tested
- Insurance claims
- 179 79% above average · 2025 data
- Theft risk
- — not enough data
- Awards
- 0 none this year
Why insurance costs what it does
IBC hasn't published claims for the 2026 yet, so this uses what insurers paid out on the 2025 model, compared with a typical car. Bars to the right mean higher claims, which push the price up.
- Crash repairsCollision97% above
- Theft, vandalism and hailComprehensive205% above
- Damage from other driversDCPDno data
- Injury payoutsAccident benefits64% below
- How often it's stolenTheft frequencyno data
How the grade is worked out
We estimate what a typical driver with full coverage would pay for this model in Ontario, then rank it against every other 2026 model. The car-specific part of the premium follows what insurers have paid out on this model (the bars above). A is cheaper to insure than at least 80% of them. It compares cars, not drivers: your own quote depends mostly on your age, record and address.
Sources: Alberta AIRB, FSRA, GAA, Facility Association and IBC How Cars Measure Up. How this works
Safety
NHTSA hasn't published crash-test stars for this model year.
About these ratings
Stars measure how well the cabin protects people in a lab crash, not how often the car crashes. They're for the U.S. version of the same model year, usually the same car as in Canada. IIHS awards can depend on headlights or trim. How this works
Fuel and emissions
- City10.1 L
- Highway8.7 L
- CO₂218 g/km
- Smog rating6/10
Litres per 100 km. Rated as gasoline, 457 of 793 for efficiency in 2026.
All NRCan figures
- NRCan model name
- X5 xDrive40i
- Powertrain (file)
- ice
- Vehicle class
- Sport utility vehicle: Standard
- Engine
- 3 L
- Cylinders
- 6
- Transmission
- AS8
- Fuel type
- Premium
- City
- 10.1 L/100 km
- Highway
- 8.7 L/100 km
- Combined
- 9.4 L/100 km
- Combined (mpg)
- 30
- Energy use (ranking scale)
- 9.4 L/100 km eq.
- CO₂
- 218 g/km
- CO₂ rating
- 5/10
- Smog rating
- 6/10
- NRCan trims averaged
- 1
- Efficiency rank this year
- 457 of 793 (beats 42%)
- Class rank this year
- 97 of 210 · Sport utility vehicle: Standard
Lab ratings from Natural Resources Canada; real-world use, especially in winter, is usually higher. How this works