BMW X3 Car Insurance Cost
To insure a BMW X3, it typically costs about $1,211 per year with Allied. However, the actual cost can vary based on factors like your age, the model year of your car, and other considerations. You can use the quote tables provided below to get a more accurate estimate of your insurance costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a BMW X3, you’ll need to factor in the cost of insurance. Insurance is a big part of owning a car, so it’s essential to understand it before you buy. Choosing the right insurance is crucial because having inadequate coverage could mean facing unexpected and expensive bills if you have an accident. Plus, if you’re at fault, your premiums could go up.
Having analyzed car insurance rates for over a decade, I’ve seen how much these costs can differ. Your age, driving history, and where you live all play a big role in determining your insurance premiums.
How Much Does BMW X3 Car Insurance Cost?
Typically, Allied provides the most attractive offer, with an average rate of $1,211 annually for full coverage insurance on a 2024 BMW X3.
While Travelers’ quoted price serves as a good reference point, it’s essential to recognize that the expense of auto insurance can fluctuate significantly depending on several factors. These factors encompass your geographical location, driving history, the age of your vehicle, and the specific coverage options you select. A spotless driving record may result in lower premiums, whereas a track record of accidents or traffic violations could drive up your expenses.
Moreover, residing in an urban area characterized by heavy traffic might lead to higher insurance costs compared to rural regions with lighter traffic flow. The choice of coverage also plays a pivotal role in determining your premium; comprehensive coverage, which encompasses both collision and comprehensive coverage, will typically cost more than basic liability coverage.
Insuranceopedia is available to assist you in exploring various insurance options and comparing quotes from different providers to ensure that you secure the most advantageous deal.
2024 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Bristol West | $1,682 |
| Preferred Mutual | $2,953 |
| Unitrin | $1,331 |
| Allied | $1,211 |
| Safety Group | $2,936 |
| Travelers | $999 |
| Plymouth Rock Assurance | $2,134 |
| Texas Farm Bureau Group | $2,619 |
| Farmers | $1,643 |
| State Farm | $2,345 |
2023 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,517 |
| Direct Auto | $1,947 |
| Penn National | $1,682 |
| California Capital | $1,807 |
| SECURA Insurance | $1,612 |
| New York Central Mutual Fire | $1,633 |
| Unitrin | $1,874 |
| 21st Century | $1,711 |
| Victoria | $1,142 |
| Safeco | $475 |
2022 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $715 |
| Safeco | $229 |
| Ohio Mutual Ins Group | $1,353 |
| Virginia Farm Bureau | $1,029 |
| Buckeye Insurance Group | $670 |
| American National P | $565 |
| Pekin Insurance | $911 |
| Texas Farm Bureau Group | $1,020 |
| Western Reserve | $1,133 |
| Tennessee Farmers | $1,427 |
2021 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,277 |
| Virginia Farm Bureau | $940 |
| Tennessee Farmers | $1,026 |
| Mercury Insurance | $588 |
| SECURA Insurance | $1,189 |
| Safeco | $433 |
| National General Value | $1,029 |
| Pekin Insurance | $1,304 |
| Texas Farm Bureau Group | $873 |
| Capital Insurance Group | $1,489 |
2020 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $1,301 |
| Kemper Auto | Infinity | $690 |
| Farm Bureau Mutual (IA Group) | $1,266 |
| Safeco | $143 |
| Pekin Insurance | $592 |
| Utica National Ins Group | $1,054 |
| American National P | $535 |
| Rockford Mutual Insurance | $1,410 |
| Titan | $1,154 |
| Automobile Club of Missouri | $1,349 |
2019 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Unigard | $1,088 |
| Concord Group | $1,070 |
| Texas Farm Bureau Group | $886 |
| American National P | $479 |
| PEMCO | $1,116 |
| MMG Insurance Company | $930 |
| Safeco | $278 |
| Safety Group | $927 |
| Mercury Insurance | $897 |
| Vermont Mutual | $1,125 |
2018 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $781 |
| Country | $1,095 |
| SafeAuto | $638 |
| MMG Insurance Company | $934 |
| Safeco | $283 |
| Patriot Group | $1,100 |
| Mercury Insurance | $493 |
| Tennessee Farmers | $1,260 |
| Concord Group | $1,015 |
| Verti Insurance | $1,296 |
2017 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Western Reserve | $1,037 |
| North Carolina Farm Bureau | $945 |
| Ohio Mutual Ins Group | $1,019 |
| American National P | $483 |
| PEMCO | $877 |
| Virginia Farm Bureau | $845 |
| Oregon Mutual | $957 |
| Mercury Insurance | $1,028 |
| Buckeye Insurance Group | $764 |
| Safeco | $479 |
2016 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $462 |
| Safeco | $266 |
| American National P | $590 |
| SafeAuto | $937 |
| Mercury Insurance | $851 |
| Direct Auto | $1,044 |
| North Carolina Farm Bureau | $1,013 |
| American National P&C | $586 |
| Concord Group | $1,063 |
| NatGen Value | $710 |
2015 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $1,073 |
| Farm Bureau Mutual (IA Group) | $803 |
| West Bend Mutual | $989 |
| Penn National | $999 |
| North Star | $1,117 |
| Capital Insurance Group | $1,183 |
| Rockford Mutual Insurance | $1,201 |
| Direct Auto | $823 |
| SECURA Insurance | $1,015 |
| Mercury Insurance | $924 |
2014 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| MO Farm Bureau Services | $1,014 |
| North Carolina Farm Bureau | $1,183 |
| Unigard | $1,293 |
| Texas Farm Bureau Group | $991 |
| Virginia Farm Bureau | $1,152 |
| SECURA Insurance | $1,115 |
| PEMCO | $1,013 |
| Capital Insurance Group | $1,164 |
| Mercury Insurance | $204 |
| Safeco | $162 |
2013 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $974 |
| Buckeye Insurance Group | $697 |
| North Carolina Farm Bureau | $1,016 |
| Indiana Farmers Mutual Ins | $875 |
| NatGen Value | $485 |
| Utica National Ins Group | $865 |
| American National P | $498 |
| Western Reserve | $863 |
| Safeco | $170 |
| Ohio Mutual Ins Group | $890 |
2012 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $872 |
| Western Reserve | $840 |
| Safeco | $502 |
| Buckeye Insurance Group | $758 |
| Texas Farm Bureau Group | $599 |
| SECURA Insurance | $750 |
| Clearcover | $714 |
| Ohio Mutual Ins Group | $970 |
| NatGen Advantage | $854 |
| American National P | $651 |
2011 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $918 |
| Buckeye Insurance Group | $1,115 |
| SECURA Insurance | $976 |
| North Carolina Farm Bureau | $1,149 |
| Safeco | $5 |
| Mercury Insurance | $1,156 |
| American National P | $485 |
| Victoria | $800 |
| Kemper Auto | Infinity | $464 |
| Dairyland | $696 |
2010 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Country | $940 |
| SECURA Insurance | $761 |
| Pioneer State Mutual Ins Co | $1,170 |
| Tennessee Farmers | $1,337 |
| Wolverine Mutual | $910 |
| MEEMIC Insurance Company | $1,313 |
| Unitrin | $1,364 |
| Penn National | $1,507 |
| Oregon Mutual | $1,245 |
| Mutual Of Enumclaw | $1,374 |
Find Affordable Rates Today
Cost of BMW X3 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,662 | $14,177 | $16,509 |
| 18 | $8,958 | $13,222 | $15,418 |
| 19 | $7,975 | $11,652 | $13,607 |
| 20 | $6,895 | $10,144 | $11,929 |
| 21 | $5,824 | $8,478 | $9,969 |
| 22 | $5,671 | $8,280 | $9,722 |
| 23 | $4,895 | $7,231 | $8,497 |
| 24 | $4,708 | $6,896 | $8,110 |
| 25 | $4,049 | $5,950 | $6,970 |
| 30 | $3,170 | $4,625 | $5,437 |
| 35 | $2,951 | $4,313 | $5,097 |
| 40 | $2,806 | $4,211 | $4,883 |
| 45 | $2,753 | $4,036 | $4,788 |
| 55 | $2,586 | $3,721 | $4,371 |
| 65 | $2,648 | $3,839 | $4,567 |
| 75 | $3,321 | $4,894 | $5,730 |
BMW X3 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,975 | $4,355 | $5,562 |
| Alaska | $2,527 | $3,498 | $3,309 |
| Arizona | $2,817 | $4,041 | $5,976 |
| Arkansas | $3,046 | $4,826 | $5,352 |
| California | $3,434 | $6,122 | $3,486 |
| Colorado | $3,238 | $4,471 | $5,728 |
| Connecticut | $4,113 | $6,359 | $8,048 |
| Delaware | $3,374 | $4,476 | $5,809 |
| Florida | $4,010 | $5,562 | $7,259 |
| Georgia | $3,292 | $4,902 | $4,963 |
| Hawaii | $1,365 | $1,804 | $1,281 |
| Idaho | $2,276 | $2,992 | $3,688 |
| Illinois | $2,418 | $3,587 | $4,128 |
| Indiana | $2,488 | $3,755 | $4,265 |
| Iowa | $1,901 | $2,653 | $3,107 |
| Kansas | $2,617 | $3,764 | $4,363 |
| Kentucky | $3,781 | $5,456 | $6,512 |
| Louisiana | $4,814 | $7,259 | $7,845 |
| Maine | $1,799 | $2,505 | $3,747 |
| Maryland | $2,947 | $4,286 | $4,751 |
| Massachusetts | $2,312 | $4,125 | $2,326 |
| Michigan | $5,681 | $8,639 | $13,703 |
| Minnesota | $2,359 | $3,133 | $4,384 |
| Mississippi | $2,846 | $3,987 | $4,103 |
| Missouri | $2,715 | $3,774 | $4,961 |
| Montana | $2,674 | $3,775 | $4,370 |
| Nebraska | $2,331 | $3,415 | $3,724 |
| Nevada | $3,755 | $5,579 | $5,906 |
| New Hampshire | $2,604 | $4,114 | $5,257 |
| New Jersey | $2,857 | $4,578 | $5,918 |
| New Mexico | $2,943 | $4,415 | $4,518 |
| New York | $2,775 | $3,444 | $5,786 |
| North Carolina | $1,714 | $2,880 | $2,073 |
| North Dakota | $2,341 | $3,545 | $4,168 |
| Ohio | $2,120 | $3,190 | $3,327 |
| Oklahoma | $3,355 | $4,755 | $5,293 |
| Oregon | $3,060 | $3,993 | $4,852 |
| Pennsylvania | $2,534 | $3,711 | $4,390 |
| Rhode Island | $4,193 | $6,202 | $6,956 |
| South Carolina | $2,925 | $4,005 | $5,456 |
| South Dakota | $2,584 | $3,729 | $4,330 |
| Tennessee | $3,070 | $4,438 | $5,934 |
| Texas | $3,021 | $4,403 | $5,488 |
| Utah | $2,578 | $3,673 | $5,014 |
| Vermont | $1,968 | $3,086 | $3,251 |
| Virginia | $1,871 | $2,847 | $2,873 |
| Washington | $2,520 | $3,400 | $4,057 |
| West Virginia | $2,471 | $3,566 | $4,487 |
| Wisconsin | $2,491 | $3,932 | $4,449 |
| Wyoming | $2,287 | $3,231 | $3,449 |
Compare BMW X3 To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
