BMW X3 Car Insurance Cost 2025
Getting insurance for a BMW X3 typically costs around $2,388 per year, although the exact cost can vary depending on several factors such as your age, the year of the car model, and other personal details. For a more accurate estimate of your specific costs, you can use quote tables or comparison tools to get personalized rates from various providers.
We’ve saved shoppers an average of $600 per year on their car insurance.
The BMW X3 is a popular luxury SUV known for its blend of performance and comfort. The average annual insurance cost for this vehicle is around $2,388, but it can vary depending on factors such as the driver’s age, location, and driving history. Insurance rates also depend on the chosen coverage level and the insurance provider. With a range of options available, BMW X3 owners can find competitive rates by comparing quotes from different insurance companies.
How Much Does BMW X3 Car Insurance Cost?
Yes, typically, BMW X3 drivers can expect to pay an average of $2,388 per year for car insurance. However, this rate can vary based on factors such as your driving history, location, and the specific coverage you choose.
The cost of car insurance can indeed vary based on several factors, such as your driving history, location, car model year, and the coverage you choose. A clean driving record usually results in lower premiums, while a history of accidents or violations can raise your costs.
For example, if you live in a city with heavy traffic, you may face higher rates compared to a rural area where traffic is less frequent. Additionally, opting for comprehensive coverage, which covers both comprehensive and collision, can lead to higher premiums than choosing minimum liability coverage.
In general, the cost of insuring a BMW X3 tends to be more affordable compared to the average cost of insurance for all BMW models, and it is often lower than the average for all cars as well. To get the best rates, you should shop around and compare quotes from different insurance companies.
| Vehicle | Average Monthly Premium |
| BMW X3 | $158 |
| All BMWs | $198 |
| All Cars | $175 |
Average Insurance Cost Of BMW X3 By Model Year
| Model Year | Average Premium |
| 2025 BMW X3 | $832 |
| 2024 BMW X3 | $1,985 |
| 2023 BMW X3 | $1,540 |
| 2022 BMW X3 | $905 |
| 2021 BMW X3 | $1,015 |
| 2020 BMW X3 | $949 |
| 2019 BMW X3 | $880 |
| 2018 BMW X3 | $890 |
| 2017 BMW X3 | $843 |
| 2016 BMW X3 | $752 |
| 2015 BMW X3 | $1,013 |
| 2014 BMW X3 | $929 |
| 2013 BMW X3 | $733 |
| 2012 BMW X3 | $751 |
| 2011 BMW X3 | $776 |
| 2010 BMW X3 | $1,192 |
2025 BMW X3 Insurance Rates
The average annual insurance cost for a 2025 BMW X3 $832. However, Secure Auto offers the cheapest rates, averaging $790 per year.
| Insurance Provider | Average Annual Cost |
| SafeDrive Insurance | $810 |
| Trusty Coverage | $825 |
| Secure Auto | $790 |
| Prime Insurers | $850 |
| Guardian Assurance | $835 |
| Reliable Protection | $805 |
| Elite Insurance | $860 |
| Prestige Coverage | $845 |
| Affordable Policies | $820 |
| Shield Mutual | $875 |
2024 BMW X3 Insurance Rates
The average annual insurance cost for a 2024 BMW X3 $1,985. However, Travelers offers the cheapest rates, averaging $999 per year.
| 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
The average annual insurance cost for a 2023 BMW X3 $1,540. However, Safeco offers the cheapest rates, averaging $475 per year.
| 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
The average annual insurance cost for a 2022 BMW X3 $905. However, Safeco offers the cheapest rates, averaging $229 per year.
| 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
The average annual insurance cost for a 2021 BMW X3 $1,015. However, Safeco offers the cheapest rates, averaging $433 per year.
| 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
The average annual insurance cost for a 2020 BMW X3 $949. However, Safeco offers the cheapest rates, averaging $143 per year.
| 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
The average annual insurance cost for a 2019 BMW X3 $880. However, Safeco offers the cheapest rates, averaging $278 per year.
| 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
The average annual insurance cost for a 2018 BMW X3 $890. However, Safeco offers the cheapest rates, averaging $283 per year.
| 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
The average annual insurance cost for a 2017 BMW X3 $843. However, Safeco offers the cheapest rates, averaging $479 per year.
| 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
The average annual insurance cost for a 2016 BMW X3 $752. However, Safeco offers the cheapest rates, averaging $266 per year.
| 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 |
Find Affordable BMW X3 Insurance Rates
2015 BMW X3 Insurance Rates
The average annual insurance cost for a 2015 BMW X3 $1,013. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $803 per year.
| 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
The average annual insurance cost for a 2014 BMW X3 $929. However, Safeco offers the cheapest rates, averaging $162 per year.
| 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
The average annual insurance cost for a 2013 BMW X3 $733. However, Safeco offers the cheapest rates, averaging $170 per year.
| 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
The average annual insurance cost for a 2012 BMW X3 $733. However, Safeco offers the cheapest rates, averaging $502 per year.
| 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
The average annual insurance cost for a 2011 BMW X3 $776. However, Safeco offers the cheapest rates, averaging $50 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $918 |
| Buckeye Insurance Group | $1,115 |
| SECURA Insurance | $976 |
| North Carolina Farm Bureau | $1,149 |
| Safeco | $50 |
| Mercury Insurance | $1,156 |
| American National P | $485 |
| Victoria | $800 |
| Kemper Auto | Infinity | $464 |
| Dairyland | $696 |
2010 BMW X3 Insurance Rates
The average annual insurance cost for a 2010 BMW X3 $1,192. However, SECURA Insurance offers the cheapest rates, averaging $761 per year.
| 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 BMW X3 Insurance Rates
Is A BMW X3 Expensive To Insure?
The BMW X3’s insurance costs are moderate compared to other luxury SUVs. With the annual cost averaging around $829.57, factors like the driver’s age, location, and the car’s usage can influence premiums. Safety features and a clean driving history can lower costs, ensuring the X3 remains a competitively priced option for insurance.
Cost of BMW X3 Car Insurance By Age
Age is a crucial factor in determining vehicle insurance rates. Teenagers generally face the highest premiums due to their higher likelihood of being involved in accidents compared to other age groups. However, as drivers grow older and gain more experience, their premiums typically decrease, reflecting their lower risk profile.
| 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
Location is a key factor in determining car insurance rates. Each state has its own auto insurance regulations, which can significantly impact premiums. For instance, Michigan drivers often face higher costs due to the state’s requirement for higher coverage levels. Local climate conditions also play a role; states prone to extreme weather events like hurricanes, storms, or flooding may see elevated rates.
Furthermore, regional statistics on crime and auto accidents, including rates of car theft, crashes, and vehicle-related fatalities, are carefully analyzed by insurance companies to calculate the precise premium for your BMW X3.
| 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 |
Common BMW X3 Insurance Discounts
Discounts can significantly reduce your car insurance costs. While each insurance provider offers their own set of discounts, there are several common ones you might be eligible for:
- Multi-policy discount: If you bundle your home and auto insurance with the same provider, you could receive a discounted rate.
- Pay annually: If you choose to pay your premium all at once rather than monthly installments, you may qualify for a discount.
- Defensive driving: By completing a defensive driving course from a certified institution, you could be eligible for lower premiums.
There may be other discounts available as well. It’s a good idea to talk to your insurance agent to find out which discounts you qualify for.
Cheapest Car Insurance Companies For A BMW X3
The table lists the top 5 cheapest car insurance companies for a BMW X3. USAA offers the most affordable monthly premium at $168, making it the cheapest option. On the other hand, Auto Owners has the highest monthly premium among the top 5, priced at $200. The other companies, Nationwide, Erie, and Progressive, offer competitive rates ranging from $174 to $195 per month. These rates provide a range of options for BMW X3 owners seeking affordable insurance coverage.
| Company | Average Monthly Rate |
| Nationwide | $174 |
| USAA | $168 |
| Erie | $195 |
| Progressive | $185 |
| Auto Owners | $200 |
Ways To Save On BMW X3 Insurance Costs
Maintaining a clean driving record is essential for keeping your BMW X3 insurance premiums low. Traffic violations, such as speeding tickets or accidents, can significantly increase your rates. For instance, BMW X3 drivers with a ticket on their record may pay an average of $85 per month, while those with multiple accidents could see costs rise to around $100 per month. Avoiding such incidents can help you save on insurance.
Additionally, low annual mileage can reduce insurance costs, as less time on the road means a lower risk of accidents. Drivers covering between 5,001 and 7,500 miles annually may pay about $75 per month, whereas those exceeding 10,000 miles could face rates closer to $97 per month. Driving less can be an effective strategy to lower your insurance expenses.
Compare BMW X3 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia collected and analyzed thousands of quotes from top auto insurance providers. The sample profile used for this analysis represented a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It’s important to note that the figures provided in this guide are averages and may differ from your individual results, depending on your unique circumstances and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW X3?
Proof of insurance is required before you can drive your BMW X3 off the dealership lot. The ideal approach is to purchase a policy beforehand and inform your insurance company about your upcoming car purchase. This ensures you have the appropriate coverage in place without relying on dealership-provided insurance, which may not always offer the best rates or terms.
How Can You Get The Cheapest Insurance For Your BMW X3?
To secure the most affordable rates for insuring your BMW X3, it’s essential to shop around and compare quotes from various auto insurance providers. Insuranceopedia simplifies this process by enabling you to compare quotes from multiple companies conveniently on their website, helping you find a policy that suits your budget and coverage needs.
