Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for a new or used BMW X3? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW X3 insurance facts

  • Average full coverage auto insurance premium: $178/month

  • Most affordable companies: Nationwide ($109/month) & Progressive ($114/month)

  • X3 car insurance cost vs. average rate: $22 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW X3 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average BMW X3 insurer costs by state:

Risk factors affecting BMW X3 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW X3 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average X3 repair costs equal higher car insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW X3 affecting auto policies

Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2516
Allied$2547
Allstate$2034
American Family$1842
Amica$2664
Country Financial$2287
Erie$1537
GEICO$1724
Kentucky Farm Bureau$2328
Liberty Mutual$1619
Mercury$1956
Nationwide$1311
Progressive$1330
State Farm$1506
Tennessee Farmers$1877
Texas Farm Bureau$1830
The Hanover$2401
Travelers$2069

Compare all 2021 BMW X3 rates

Average Cost to Insure Per Year

$2147

List Price

$43000

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i - Base Engine: 248-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2504
Allstate$1970
American Family$1667
Country Financial$2287
Erie$1520
GEICO$1564
Kentucky Farm Bureau$2320
Liberty Mutual$1533
Mercury$1906
Nationwide$1245
Progressive$1326
State Farm$1487
Tennessee Farmers$1756
Texas Farm Bureau$1620
The Hanover$2376
Travelers$2053

Compare all 2020 BMW X3 rates

Average Cost to Insure Per Year

$2136

List Price

$41950

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i - Base Engine: 248-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2480
Allstate$1961
American Family$1603
Country Financial$2244
Erie$1333
GEICO$1400
Kentucky Farm Bureau$2318
Liberty Mutual$1349
Mercury$1888
Nationwide$1132
Progressive$1289
State Farm$1326
Tennessee Farmers$1739
Texas Farm Bureau$1452
The Hanover$2368
Travelers$2040

Compare all 2019 BMW X3 rates

Average Cost to Insure Per Year

$2045

List Price

$41000

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i - Base Engine: 248-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2476
Allstate$1946
American Family$1587
Country Financial$2240
Erie$1240
GEICO$1364
Kentucky Farm Bureau$2316
Liberty Mutual$1287
Mercury$1879
Nationwide$1068
Progressive$1124
State Farm$1139
Tennessee Farmers$1734
Texas Farm Bureau$1429
The Hanover$2354
Travelers$2039

Compare all 2018 BMW X3 rates

Average Cost to Insure Per Year

$2033

List Price

$44300

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i - Base Engine: 248-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2017 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1266
Acuity$ 1266
Allied$ 1262
Allied$ 1262
Arbella$ 1372
Arbella$ 1372
Country$ 1326
Country$ 1326
Erie$ 1035
Erie$ 1035
GEICO$ 1097
GEICO$ 1097
Nationwide$ 1309
Nationwide$ 1309
Plymouth Rock Insurance$ 1373
Plymouth Rock Insurance$ 1373
Progressive$ 1251
Progressive$ 1251
State Farm$ 1410
State Farm$ 1410
USAA$ 1283
USAA$ 1283
Vermont Mutual$ 1204
Vermont Mutual$ 1204

Compare all 2017 BMW X3 rates

Average Cost to Insure Per Year

$ 1981

List Price

$ 40050

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i

2016 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1229
Acuity$ 1229
Allied$ 1274
Allied$ 1274
Arbella$ 1312
Arbella$ 1312
Country$ 1284
Country$ 1284
Erie$ 1030
Erie$ 1030
GEICO$ 1224
GEICO$ 1224
Nationwide$ 1352
Nationwide$ 1352
Plymouth Rock Insurance$ 1353
Plymouth Rock Insurance$ 1353
Progressive$ 1302
Progressive$ 1302
Tennessee Farmers$ 1089
Tennessee Farmers$ 1089
USAA$ 1237
USAA$ 1237
Vermont Mutual$ 1155
Vermont Mutual$ 1155

Compare all 2016 BMW X3 rates

Average Cost to Insure Per Year

$ 2059

List Price

$ 38950

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i

2015 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1169
Acuity$ 1169
Allied$ 1283
Allied$ 1283
Arbella$ 1288
Arbella$ 1288
Country$ 1238
Country$ 1238
Erie$ 953
Erie$ 953
GEICO$ 1194
GEICO$ 1194
Nationwide$ 1375
Nationwide$ 1375
Plymouth Rock Insurance$ 1318
Plymouth Rock Insurance$ 1318
Progressive$ 1311
Progressive$ 1311
Tennessee Farmers$ 1051
Tennessee Farmers$ 1051
USAA$ 1170
USAA$ 1170
Vermont Mutual$ 1076
Vermont Mutual$ 1076

Compare all 2015 BMW X3 rates

Average Cost to Insure Per Year

$ 2114

List Price

$ 38500

Trims Available

sDrive28i - xDrive28i - xDrive28d - xDrive35i

2014 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1121
Acuity$ 1121
Allied$ 1230
Allied$ 1230
American Family$ 1399
American Family$ 1399
Arbella$ 1270
Arbella$ 1270
Country$ 1229
Country$ 1229
Erie$ 987
Erie$ 987
GEICO$ 1286
GEICO$ 1286
Nationwide$ 1373
Nationwide$ 1373
Plymouth Rock Insurance$ 1287
Plymouth Rock Insurance$ 1287
Tennessee Farmers$ 1054
Tennessee Farmers$ 1054
USAA$ 1180
USAA$ 1180
Vermont Mutual$ 1050
Vermont Mutual$ 1050

Compare all 2014 BMW X3 rates

Average Cost to Insure Per Year

$ 2466

List Price

$ 39800

Trims Available

xDrive28i - xDrive35i

2013 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1099
Acuity$ 1099
Allied$ 1241
Allied$ 1241
American Family$ 1282
American Family$ 1282
Arbella$ 1193
Arbella$ 1193
Country$ 1207
Country$ 1207
Erie$ 911
Erie$ 911
GEICO$ 1152
GEICO$ 1152
Plymouth Rock Insurance$ 1224
Plymouth Rock Insurance$ 1224
Progressive$ 1331
Progressive$ 1331
Tennessee Farmers$ 1019
Tennessee Farmers$ 1019
USAA$ 1085
USAA$ 1085
Vermont Mutual$ 1001
Vermont Mutual$ 1001

Compare all 2013 BMW X3 rates

Average Cost to Insure Per Year

$ 2149

List Price

$ 38500

Trims Available

xDrive28i - xDrive35i

2012 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1025
Acuity$ 1025
Allied$ 1263
Allied$ 1263
American Family$ 1219
American Family$ 1219
Amica$ 1299
Amica$ 1299
Arbella$ 1181
Arbella$ 1181
Country$ 1147
Country$ 1147
Erie$ 885
Erie$ 885
GEICO$ 1156
GEICO$ 1156
Plymouth Rock Insurance$ 1199
Plymouth Rock Insurance$ 1199
Tennessee Farmers$ 968
Tennessee Farmers$ 968
USAA$ 1049
USAA$ 1049
Vermont Mutual$ 911
Vermont Mutual$ 911

Compare all 2012 BMW X3 rates

Average Cost to Insure Per Year

$ 2335

List Price

$ 37100

Trims Available

xDrive28i - xDrive35i

2011 BMW X3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 950
Acuity$ 950
American Family$ 1167
American Family$ 1167
Amica$ 1144
Amica$ 1144
Arbella$ 917
Arbella$ 917
Country$ 1066
Country$ 1066
Erie$ 850
Erie$ 850
GEICO$ 1057
GEICO$ 1057
Plymouth Rock Insurance$ 1185
Plymouth Rock Insurance$ 1185
Southern Farm Bureau$ 1199
Southern Farm Bureau$ 1199
Tennessee Farmers$ 919
Tennessee Farmers$ 919
USAA$ 1036
USAA$ 1036
Vermont Mutual$ 828
Vermont Mutual$ 828

Compare all 2011 BMW X3 rates

Average Cost to Insure Per Year

$ 2285

List Price

$ 36750

Trims Available

xDrive28i - xDrive35i