BMW X3 Insurance Rates

BMW X3 Insurance Rates

Auto insurance for a BMW X3 will cost about $2,843 per year.

This beats the national average for luxury SUV models by $52. 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

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BMW X3 Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $9,629 $14,140 $16,542
18 $8,974 $13,177 $15,416
19 $7,931 $11,645 $13,623
20 $6,915 $10,154 $11,879
21 $5,799 $8,515 $9,962
22 $5,648 $8,293 $9,702
23 $4,942 $7,256 $8,489
24 $4,695 $6,894 $8,065
25 $4,051 $5,949 $6,960
30 $3,156 $4,634 $5,421
35 $2,956 $4,340 $5,078
40 $2,843 $4,174 $4,884
45 $2,766 $4,062 $4,752
55 $2,537 $3,725 $4,358
65 $2,646 $3,886 $4,546
75 $3,340 $4,905 $5,738

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 $3,012 $4,375 $5,569
Alaska $2,491 $3,454 $3,357
Arizona $2,817 $4,072 $5,999
Arkansas $3,088 $4,852 $5,342
California $3,438 $6,080 $3,438
Colorado $3,209 $4,490 $5,697
Connecticut $4,099 $6,358 $8,070
Delaware $3,394 $4,523 $5,809
Florida $4,041 $5,590 $7,284
Georgia $3,294 $4,926 $4,967
Hawaii $1,316 $1,786 $1,316
Idaho $2,286 $3,031 $3,684
Illinois $2,393 $3,617 $4,124
Indiana $2,458 $3,758 $4,217
Iowa $1,947 $2,670 $3,140
Kansas $2,591 $3,769 $4,409
Kentucky $3,745 $5,497 $6,492
Louisiana $4,808 $7,267 $7,879
Maine $1,818 $2,513 $3,710
Maryland $2,942 $4,282 $4,756
Massachusetts $2,359 $4,116 $2,359
Michigan $5,693 $8,676 $13,684
Minnesota $2,344 $3,125 $4,400
Mississippi $2,829 $4,035 $4,061
Missouri $2,666 $3,811 $5,007
Montana $2,710 $3,782 $4,402
Nebraska $2,291 $3,388 $3,681
Nevada $3,779 $5,605 $5,921
New Hampshire $2,629 $4,157 $5,255
New Jersey $2,896 $4,544 $5,946
New Mexico $2,958 $4,399 $4,567
New York $2,740 $3,450 $5,758
North Carolina $1,698 $2,918 $2,081
North Dakota $2,324 $3,532 $4,177
Ohio $2,072 $3,196 $3,277
Oklahoma $3,309 $4,738 $5,335
Oregon $3,011 $4,040 $4,826
Pennsylvania $2,536 $3,724 $4,357
Rhode Island $4,235 $6,211 $6,995
South Carolina $2,876 $3,985 $5,501
South Dakota $2,580 $3,718 $4,290
Tennessee $3,034 $4,467 $5,949
Texas $3,056 $4,415 $5,491
Utah $2,599 $3,643 $5,012
Vermont $2,001 $3,082 $3,257
Virginia $1,885 $2,894 $2,837
Washington $2,495 $3,387 $4,044
West Virginia $2,511 $3,595 $4,505
Wisconsin $2,503 $3,907 $4,457
Wyoming $2,337 $3,271 $3,484

BMW X3 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.

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:

BMW X3s For Sale

2019 BMW X3 30i

Mileage: 52,591
Mileage: 52,591     Price: $24,990
Location: Sterling, VA ~ 3 miles away
Dealer: Autonation Honda Dulles
Days on Market: 153
Colors (ext/int): Glacier Silver / Black

$24,990


2022 BMW X3 30i

Mileage: 30,264
Mileage: 30,264     Price: $32,956
Location: Sterling, VA ~ 3 miles away
Dealer: Bmw Of Sterling
Days on Market: 13
Colors (ext/int): Aventurin Red Metallic / Cognac Perforated Sensatec

$32,956



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