BMW X3 Insurance Cost

Auto insurance for a BMW X3 will cost about $1,927 per year.

This beats the national average for luxury SUV models by $140. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW X3. Visit our Competitive Quote Tool to see if you can find lower rates for a X3.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These BMW X3 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

BMW X3 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $6,526 $9,721 $11,491
18 $6,082 $9,059 $10,709
19 $5,375 $8,006 $9,464
20 $4,687 $6,981 $8,252
21 $3,930 $5,854 $6,920
22 $3,828 $5,701 $6,740
23 $3,349 $4,989 $5,897
24 $3,182 $4,739 $5,602
25 $2,746 $4,090 $4,835
30 $2,139 $3,186 $3,766
35 $2,003 $2,984 $3,527
40 $1,927 $2,870 $3,392
45 $1,875 $2,793 $3,301
55 $1,719 $2,561 $3,028
65 $1,793 $2,672 $3,158
75 $2,264 $3,372 $3,986

BMW X3 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW X3 by state.

BMW X3 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,042 $2,860 $3,579
Alaska $1,689 $2,459 $2,577
Arizona $1,909 $2,961 $4,222
Arkansas $2,093 $3,170 $3,547
California $2,330 $4,076 $2,330
Colorado $2,175 $3,011 $3,755
Connecticut $2,778 $4,295 $5,502
Delaware $2,300 $3,167 $4,204
Florida $2,739 $3,720 $4,849
Georgia $2,233 $3,441 $3,531
Hawaii $892 $1,231 $892
Idaho $1,549 $2,085 $2,596
Illinois $1,622 $2,397 $2,780
Indiana $1,666 $2,604 $3,039
Iowa $1,320 $1,980 $2,307
Kansas $1,756 $2,585 $3,062
Kentucky $2,538 $3,818 $4,490
Louisiana $3,258 $4,980 $5,361
Maine $1,232 $1,653 $2,411
Maryland $1,994 $2,923 $3,452
Massachusetts $1,599 $2,704 $1,599
Michigan $3,859 $5,801 $8,919
Minnesota $1,588 $2,134 $3,158
Mississippi $1,917 $2,896 $3,059
Missouri $1,807 $2,488 $3,218
Montana $1,837 $2,874 $3,170
Nebraska $1,553 $2,198 $2,501
Nevada $2,561 $3,866 $4,241
New Hampshire $1,782 $2,871 $3,657
New Jersey $1,963 $3,095 $3,992
New Mexico $2,005 $2,885 $3,239
New York $1,857 $2,418 $3,903
North Carolina $1,151 $1,858 $1,432
North Dakota $1,575 $2,424 $3,078
Ohio $1,404 $2,297 $2,380
Oklahoma $2,243 $3,367 $3,819
Oregon $2,041 $3,082 $3,536
Pennsylvania $1,719 $2,599 $2,983
Rhode Island $2,870 $4,404 $5,037
South Carolina $1,949 $2,821 $4,025
South Dakota $1,749 $2,406 $2,887
Tennessee $2,057 $3,076 $3,881
Texas $2,071 $3,048 $3,826
Utah $1,762 $2,547 $3,514
Vermont $1,356 $2,169 $2,371
Virginia $1,278 $1,924 $2,044
Washington $1,691 $2,541 $2,996
West Virginia $1,702 $2,478 $3,060
Wisconsin $1,696 $2,477 $3,008
Wyoming $1,584 $2,327 $2,602

Other Important Costs of Owning a BMW X3

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW X3 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.