How Much are BMW X3 Insurance Rates? [Everything You Need to Know]

If you want to buy BMW X3 insurance coverage then a policy will cost $130 per month ($1,562 per year) on average. Teens pay the highest rates at up to $5,709 a year, while good drivers may only pay $918.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

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.

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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 Mitsubishi Outlander Sport, Nissan Pathfinder, and Mazda CX-9.

Vehicle Comprehensive Collision Liability Total
BMW X3 $376 $656 $372 $1,562
Mitsubishi Outlander Sport $280 $512 $332 $1,260
Nissan Pathfinder $294 $452 $390 $1,294
Mazda CX-9 $332 $542 $390 $1,422
Ford Expedition $336 $532 $316 $1,320
GMC Yukon $376 $594 $372 $1,500
Toyota Land Cruiser $420 $774 $398 $1,750
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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?

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.

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, a 20-year-old driver could pay around $159 more each month for their BMW X3 car insurance than 30-year-old driver.

Driver Location

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:

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

The crash test ratings of the BMW X3 can impact your BMW X3 car insurance rates.

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 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
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, 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.

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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.

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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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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
0
0
0
2014
0
0
0
0
2013
0
0
0
0
2012
0
0
0
0
2011

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Optional

Land Departure Prevention

Not Available

Blind Spot Detection

Not Available

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