2020 BMW X5 in Illinois

Illinois requires minimum liability coverage of 25/50/20 for all registered vehicles, including the 2020 BMW X5.

The 2020 BMW X5 falls in a sweet spot for insurance in Illinois — depreciation has lowered the vehicle value compared to new, while the car is still modern enough to have contemporary safety features. Compare quotes from multiple carriers.

Illinois's lemon law primarily covers new vehicle purchases. If you purchased your 2020 BMW X5 new and experienced persistent defects early on, you may have had lemon law protections. For used 2020 X5 purchases, check Illinois's used car consumer protection laws and implied warranty rules. Illinois's New Vehicle Buyer Protection Act covers vehicles in the first 12 months or 12,000 miles. After four repair attempts or 30 business days out of service, consumers can demand a replacement or refund.

Illinois offers incentives for electric and plug-in hybrid vehicles. If you're considering a 2020 electric or hybrid BMW X5, you may qualify for state-level tax credits, rebates, or HOV lane access in addition to the federal EV tax credit of up to $7,500. Illinois offers EV rebates of up to $4,000 for new electric vehicles through the Illinois EPA. Additional rebates are available for charging equipment installation. Some utility companies offer discounted charging rates.

All BMW X5 vehicles driven in Illinois must be registered with the state DMV. Illinois charges an annual registration fee of $151 for standard passenger vehicles. Electric vehicles pay an additional $100 annual fee. Title fee is $150.

Emissions Testing: Illinois requires emissions testing. Emissions testing is required in the greater Chicago area and Metro East St. Louis region for most vehicles 4-13 model years old. OBD-II testing is used, and testing costs $20. Your 2020 BMW X5 must pass emissions before registration can be renewed.