BMW X3 Insurance [Rates + Comparison Guide]

Average BMW X3 car insurance rates cost $130 per month ($1,562 per year). Finding BMW X3 teenager insurance coverage can cost on average $5,709 a year, so shop around to find cheap rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2020

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Key takeaways:

  • Full coverage costs around $1,562 a year or $130 each month
  • A liability-only policy costs around $627 a year or $52 each month
  • Highest rates are for teenage drivers at around $5,709 a year or $476 each month
  • Good drivers can save as much as $644 a year by earning policy discounts
  • BMW X3 insurance costs around $43 more per year than the average vehicle

BMW X3 insurance rates are slightly more per year than the average vehicle with full coverage costing around $1,562 a year or $130 a month. The highest rates are for teens who will pay around $5,709 a year or $476 a month as they’re considered to be high-risk with little driving experience.

Godo drivers can save up to $644 a year in policy discounts by being safe and courteous while out on the roadways.  Let’s take a quick look at BMW X3 insurance rates, safety ratings, and more.

You can start comparing quotes for BMW X3 car insurance rates from some of the best car insurance companies by using our free online tool now.

BMW X3 Insurance Cost

The average BMW X3 car insurance costs are $1,562 a year or $130 a month.

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Are BMW X3s Expensive to Insure?

The chart below details how BMW X3 insurance rates compare to other SUVs like the Audi Q3, Jeep Grand Cherokee, and Toyota Highlander.

Vehicle Comprehensive Collision Liability Total
BMW X3 $376 $656 $372 $1,562
Audi Q3 $344 $686 $398 $1,586
Jeep Grand Cherokee $322 $562 $372 $1,414
Toyota Highlander $332 $512 $390 $1,392
Chevrolet Tahoe $336 $532 $372 $1,398
Mazda CX-9 $332 $542 $390 $1,422
Honda Passport $362 $656 $316 $1,470
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However, there are a few things you can do to find the cheapest BMW insurance rates online.

What Impacts the Cost of BMW X3 Insurance?

You might have noticed that there is a multitude of factors that impact BMW X3 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the BMW X3.

Age of the Vehicle

Older BMW X3 models generally cost less to insure. For example, auto insurance for a 2020 BMW X3 costs $1,562, while 2010 BMW X3 insurance costs are $1,246, a difference of $316.

Model Year Comprehensive Collision Liability Total
2020 BMW X3 $376 $656 $372 $1,562
2019 BMW X3 $358 $630 $390 $1,536
2018 BMW X3 $344 $626 $398 $1,526
2017 BMW X3 $332 $610 $416 $1,516
2016 BMW X3 $320 $586 $430 $1,494
2015 BMW X3 $304 $564 $442 $1,468
2014 BMW X3 $292 $524 $452 $1,426
2013 BMW X3 $280 $494 $456 $1,388
2012 BMW X3 $268 $442 $460 $1,328
2011 BMW X3 $250 $408 $460 $1,276
2010 BMW X3 $242 $382 $464 $1,246
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Driver Age

Driver age can have a significant effect on the cost of BMW X3 car insurance. For example, 30-year-old drivers pay approximately $69 more for their BMW X3 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on BMW X3 insurance rates. For example, drivers in Jacksonville may pay $937 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of BMW X3 auto insurance. Teens and drivers in their 20’s see the highest jump in their BMW X3 auto insurance rates with violations on their driving record.

BMW X3 Safety Ratings

The BMW X3’s safety ratings will affect your BMW X3 auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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BMW X3 Crash Test Ratings

If the BMW X3 crash test ratings are good, you could have lower BMW X3 car insurance rates. See BMW X3 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2020 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 BMW X3 M SUV AWD N/R N/R N/R N/R
2020 BMW X3 30e xDrive SUV AWD N/R N/R N/R N/R
2019 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2019 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2016 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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BMW X3 Safety Features

The BMW X3 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your BMW X3 auto insurance rates. The BMW X3’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

BMW X3 Insurance Loss Probability

The lower percentage means lower BMW X3 car insurance costs; higher percentages mean higher BMW X3 car insurance costs. Compare the following BMW X3 auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision 22%
Property Damage no data
Comprehensive -1%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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BMW X3 Finance and Insurance Cost

If you are financing a BMW X3, you will pay more if you purchase BMW X3 auto insurance at the dealership, so be sure to shop around and compare BMW X3 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on BMW X3 Insurance

You have more options at your disposal to save money on your BMW X3 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your BMW X3 car insurance rates

  • Get a Plan with Only Liability Coverage If You’re Driving an Older BMW X3
  • Use Paperless Billing for Your BMW X3 Insurance Policy
  • Ask About Loyalty Discounts
  • Buy Winter Tires for Your BMW X3
  • Audit Your BMW X3 Driving When You Move to a New Location or Start a New Job

Top BMW X3 Insurance Companies

Who is the top car insurance company for BMW X3 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW X3 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the BMW X3 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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