BMW X3 Insurance Cost

Auto insurance for a BMW X3 will cost about $1,753 per year.

This beats the national average for luxury SUV models by $34. 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 $5,940 $8,722 $10,203
18 $5,535 $8,128 $9,508
19 $4,892 $7,183 $8,403
20 $4,265 $6,263 $7,327
21 $3,577 $5,252 $6,144
22 $3,484 $5,115 $5,984
23 $3,048 $4,476 $5,236
24 $2,896 $4,252 $4,974
25 $2,499 $3,669 $4,293
30 $1,947 $2,858 $3,344
35 $1,823 $2,677 $3,132
40 $1,753 $2,575 $3,012
45 $1,706 $2,506 $2,931
55 $1,565 $2,298 $2,688
65 $1,632 $2,397 $2,804
75 $2,060 $3,025 $3,539

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 $1,858 $2,698 $3,435
Alaska $1,537 $2,130 $2,071
Arizona $1,737 $2,512 $3,700
Arkansas $1,905 $2,993 $3,295
California $2,121 $3,750 $2,121
Colorado $1,979 $2,770 $3,514
Connecticut $2,528 $3,921 $4,978
Delaware $2,093 $2,790 $3,583
Florida $2,492 $3,448 $4,493
Georgia $2,032 $3,038 $3,064
Hawaii $812 $1,102 $812
Idaho $1,410 $1,869 $2,273
Illinois $1,476 $2,231 $2,544
Indiana $1,516 $2,318 $2,601
Iowa $1,201 $1,647 $1,937
Kansas $1,598 $2,325 $2,719
Kentucky $2,310 $3,391 $4,004
Louisiana $2,965 $4,482 $4,860
Maine $1,121 $1,550 $2,288
Maryland $1,815 $2,641 $2,933
Massachusetts $1,455 $2,539 $1,455
Michigan $3,512 $5,351 $8,441
Minnesota $1,446 $1,927 $2,714
Mississippi $1,745 $2,489 $2,505
Missouri $1,644 $2,351 $3,088
Montana $1,672 $2,333 $2,715
Nebraska $1,413 $2,090 $2,270
Nevada $2,331 $3,457 $3,652
New Hampshire $1,621 $2,564 $3,241
New Jersey $1,786 $2,803 $3,668
New Mexico $1,824 $2,714 $2,817
New York $1,690 $2,128 $3,552
North Carolina $1,047 $1,800 $1,283
North Dakota $1,433 $2,179 $2,576
Ohio $1,278 $1,971 $2,021
Oklahoma $2,041 $2,922 $3,290
Oregon $1,857 $2,492 $2,976
Pennsylvania $1,564 $2,297 $2,687
Rhode Island $2,612 $3,831 $4,314
South Carolina $1,774 $2,458 $3,393
South Dakota $1,591 $2,293 $2,646
Tennessee $1,872 $2,755 $3,669
Texas $1,885 $2,723 $3,387
Utah $1,603 $2,247 $3,092
Vermont $1,234 $1,901 $2,009
Virginia $1,163 $1,785 $1,750
Washington $1,539 $2,089 $2,494
West Virginia $1,549 $2,218 $2,779
Wisconsin $1,544 $2,410 $2,749
Wyoming $1,441 $2,018 $2,149

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: