UPDATED: Jul 31, 2020
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- 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
It is possible to find cheap BMW X3 insurance rates. Good drivers can save as much as $644 a year by earning policy discounts. Our comprehensive guide will go over other factors that affect BMW X3 insurance rates, from the cost of a BMW X3 to drivers’ driving records.
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 auto insurance rates are $1,562 a year or $130 a month.
Are BMW X3s Expensive to Insure?
The chart below details how BMW X3 insurance rates compare to other SUVs like the Mitsubishi Outlander Sport, Nissan Pathfinder, and Mazda CX-9.
|Mitsubishi Outlander Sport||$280||$512||$332||$1,260|
|Toyota Land Cruiser||$420||$774||$398||$1,750|
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?
The BMW X3 trim and model you choose can impact the total price you will pay for BMW X3 insurance coverage.
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.
|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|
Driver age can have a significant effect on the cost of BMW X3 car insurance. For example, a 20-year-old driver could pay around $159 more each month for their BMW X3 car insurance than 30-year-old driver.
Where you live can have a large impact on BMW X3 insurance rates. For example, drivers in Los Angeles may pay $859 a year more than drivers in Phoenix.
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 sees the highest jump in their BMW X3 car insurance with violations on their driving record.
BMW X3 Safety Ratings
Your BMW X3 auto insurance rates are tied to the BMW X3’s safety ratings. See the breakdown below:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
BMW X3 Crash Test Ratings
The crash test ratings of the BMW X3 can impact your BMW X3 car insurance rates.
|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|
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 BMW X3’s insurance loss probability varies between different coverage types. The lower percentage means lower BMW X3 auto insurance costs; higher percentages mean higher BMW X3 auto insurance costs.
|Insurance Coverage Category||Loss Rate|
|Property Damage||no data|
|Personal Injury||no data|
|Medical Payment||no data|
|Bodily Injury||no data|
|Source: Insurance Institute for Highway Safety|
BMW X3 Finance and Insurance Cost
If you are financing a BMW X3, most lenders will require your carry higher BMW X3 coverage options including comprehensive coverage, so be sure to shop around and compare BMW X3 car insurance rates from the best companies using our FREE tool below.
Ways to Save on BMW X3 Insurance
There are many ways that you can save on BMW X3 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your BMW X3 car insurance rates low.
- Wait Six Years for Accidents to Disappear from Your Record
- Ask About Farm and Ranch Vehicle Discounts
- Re-Check BMW X3 Quotes Every 6 Months
- Add a More Experienced Driver to Your BMW X3 Policy
- Work with a Direct Insurer Instead of an Insurance Broker for Your BMW X3
Top BMW X3 Insurance Companies
Several top car insurance companies offer competitive rates for the BMW X3 rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with BMW X3 drivers organized by market share.
|Source: Insurance Information Institute|
Compare Free BMW X3 Insurance Quotes Online
You can start comparing quotes for BMW X3 insurance from some of the top car insurance companies by using our free online tool today.
Cost of Insurance
Crash Avoidence Features
Forward Collision Warning
Forward Collision Auto Brake
Lane Departure Warning
Land Departure Prevention
Blind Spot Detection