BMW X3 Insurance Cost

Auto insurance for a BMW X3 will cost about $1,832 per year.

This beats the national average for luxury SUV models by $62. 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

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.

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

BMW X3 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW X3 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,206 $9,113 $10,661
18 $5,784 $8,492 $9,935
19 $5,111 $7,505 $8,780
20 $4,457 $6,544 $7,656
21 $3,737 $5,488 $6,420
22 $3,640 $5,345 $6,253
23 $3,185 $4,677 $5,471
24 $3,026 $4,443 $5,198
25 $2,611 $3,834 $4,485
30 $2,034 $2,987 $3,494
35 $1,905 $2,797 $3,273
40 $1,832 $2,690 $3,147
45 $1,783 $2,618 $3,063
55 $1,635 $2,401 $2,809
65 $1,706 $2,504 $2,930
75 $2,153 $3,161 $3,698

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 $1,941 $2,819 $3,589
Alaska $1,606 $2,226 $2,164
Arizona $1,815 $2,624 $3,866
Arkansas $1,990 $3,127 $3,443
California $2,216 $3,919 $2,216
Colorado $2,068 $2,894 $3,672
Connecticut $2,642 $4,097 $5,201
Delaware $2,187 $2,915 $3,744
Florida $2,604 $3,603 $4,695
Georgia $2,123 $3,175 $3,201
Hawaii $848 $1,151 $848
Idaho $1,473 $1,953 $2,375
Illinois $1,542 $2,331 $2,658
Indiana $1,584 $2,422 $2,718
Iowa $1,255 $1,721 $2,024
Kansas $1,670 $2,429 $2,841
Kentucky $2,414 $3,543 $4,184
Louisiana $3,098 $4,684 $5,078
Maine $1,172 $1,620 $2,391
Maryland $1,896 $2,760 $3,065
Massachusetts $1,520 $2,652 $1,520
Michigan $3,669 $5,591 $8,819
Minnesota $1,510 $2,014 $2,836
Mississippi $1,823 $2,601 $2,618
Missouri $1,718 $2,456 $3,227
Montana $1,747 $2,437 $2,837
Nebraska $1,476 $2,183 $2,372
Nevada $2,435 $3,612 $3,816
New Hampshire $1,694 $2,679 $3,387
New Jersey $1,867 $2,928 $3,832
New Mexico $1,906 $2,835 $2,943
New York $1,766 $2,223 $3,711
North Carolina $1,094 $1,880 $1,341
North Dakota $1,498 $2,276 $2,692
Ohio $1,335 $2,060 $2,112
Oklahoma $2,133 $3,053 $3,438
Oregon $1,941 $2,604 $3,110
Pennsylvania $1,635 $2,400 $2,808
Rhode Island $2,729 $4,003 $4,508
South Carolina $1,853 $2,569 $3,545
South Dakota $1,663 $2,396 $2,765
Tennessee $1,956 $2,879 $3,834
Texas $1,969 $2,845 $3,539
Utah $1,675 $2,348 $3,230
Vermont $1,290 $1,986 $2,099
Virginia $1,215 $1,865 $1,828
Washington $1,608 $2,183 $2,606
West Virginia $1,618 $2,317 $2,903
Wisconsin $1,613 $2,518 $2,872
Wyoming $1,506 $2,108 $2,245

BMW X3 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW X3 ranks for Insurance compared to other vehicles. Also check out how the X3 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW X3 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW X3 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: