Best BMW X3 Car Insurance Quotes (2024)
BMW X3 car insurance costs are $130 per month, but you can save money on car insurance by comparing online BMW X3 insurance rates with our free tool. In this guide you will find that State Farm and GEICO are the most popular companies for BMW X3 insurance coverage.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
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Key takeaways:
- Full coverage costs around $1,562 a year or $130 each month
- A liability-only policy costs around $627 a year or $52 each month
- Highest rates are for teenage drivers at around $5,709 a year or $476 each month
- Good drivers can save as much as $644 a year by earning policy discounts
- BMW X3 insurance costs around $43 more per year than the average vehicle
BMW X3 insurance rates cost around $43 more a year than the average vehicle, but good drivers are eligible for up to $644 a year in policy discounts. Full coverage for the BMW X3 costs around $1,562 a year or $130 a month. Let’s look at BMW X3 insurance rates, safety ratings, and more.
You can start comparing quotes for BMW X3 car insurance rates from some of the best car insurance companies by using our free online tool now.
BMW X3 Insurance Cost
The average car insurance costs for a BMW X3 are $1,562 a year or $130 a month.
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Are BMW X3s Expensive to Insure?
The chart below details how BMW X3 insurance rates compare to other SUVs like the Mazda CX-9, Volkswagen Tiguan, and Nissan Pathfinder.
| Vehicle | Comprehensive | Collision | Liability | Total |
| BMW X3 | $376 | $656 | $372 | $1,562 |
| Mazda CX-9 | $332 | $542 | $390 | $1,422 |
| Volkswagen Tiguan | $306 | $542 | $332 | $1,316 |
| Nissan Pathfinder | $294 | $452 | $390 | $1,294 |
| Cadillac Escalade | $458 | $780 | $466 | $1,904 |
| Toyota Sequoia | $332 | $566 | $398 | $1,454 |
| Dodge Journey | $322 | $532 | $372 | $1,384 |
However, there are a few things you can do to find the cheapest BMW insurance rates online.
What Impacts the Cost of BMW X3 Insurance?
The BMW X3 trim and model you choose can impact the total price you will pay for BMW X3 car insurance coverage.
Age of the Vehicle
The average BMW X3 car insurance rates are higher for newer models. For example, car insurance for a 2020 BMW X3 costs $1,562, while 2010 BMW X3 insurance costs are $1,246, a difference of $316.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 BMW X3 | $376 | $656 | $372 | $1,562 |
| 2019 BMW X3 | $358 | $630 | $390 | $1,536 |
| 2018 BMW X3 | $344 | $626 | $398 | $1,526 |
| 2017 BMW X3 | $332 | $610 | $416 | $1,516 |
| 2016 BMW X3 | $320 | $586 | $430 | $1,494 |
| 2015 BMW X3 | $304 | $564 | $442 | $1,468 |
| 2014 BMW X3 | $292 | $524 | $452 | $1,426 |
| 2013 BMW X3 | $280 | $494 | $456 | $1,388 |
| 2012 BMW X3 | $268 | $442 | $460 | $1,328 |
| 2011 BMW X3 | $250 | $408 | $460 | $1,276 |
| 2010 BMW X3 | $242 | $382 | $464 | $1,246 |
Driver Age
Driver age can have a significant effect on BMW X3 car insurance rates. For example, 20-year-old drivers pay $1,910 more for their BMW X3 car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on BMW X3 insurance rates. For example, drivers in New York may pay $953 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your BMW X3 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their BMW X3 car insurance with violations on their driving record.
BMW X3 Safety Ratings
Your BMW X3 car insurance rates are tied to the safety ratings of the BMW X3. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
BMW X3 Crash Test Ratings
Not only do good BMW X3 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper BMW X3 auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 BMW X3 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 BMW X3 M SUV AWD | N/R | N/R | N/R | N/R |
| 2020 BMW X3 30e xDrive SUV AWD | N/R | N/R | N/R | N/R |
| 2019 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 BMW X3 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 BMW X3 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 BMW X3 SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
BMW X3 Safety Features
The BMW X3 safety features can help lower insurance costs. According to US News the 2020 BMW X3 has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
BMW X3 Insurance Loss Probability
The BMW X3’s insurance loss probability varies for each form of coverage. The lower percentage means lower BMW X3 auto insurance rates; higher percentages mean higher BMW X3 car insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 22% |
|---|---|
| Property Damage | no data |
| Comprehensive | -1% |
| Personal Injury | no data |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
BMW X3 Finance and Insurance Cost
If you are financing a BMW X3, you will pay more if you purchase BMW X3 car insurance at the dealership, so be sure to shop around and compare BMW X3 car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on BMW X3 Insurance
You can save more money on your BMW X3 auto insurance rates by employing any of the following five strategies.
- Consider Using a Tracking Device on Your BMW X3
- Understand that Your Insurer Can Change Your BMW X3 Auto Insurance Rates Mid-Term for Other Reasons
- Wait Six Years for Accidents to Disappear from Your Record
- Check Reviews and State Complaints Before You Choose an Insurer
- Move to an Area with a Lower Cost of Living
Top BMW X3 Insurance Companies
Several top car insurance companies offer competitive rates for the BMW X3 rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with BMW X3 drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free BMW X3 Insurance Quotes Online
To start comparing BMW X3 car insurance quotes for free, use our online car insurance comparison tool.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What is BMW X3 car insurance?
BMW X3 car insurance is a type of insurance that provides coverage for the BMW X3 model. It offers financial protection against damages, theft, accidents, and other incidents that may occur while driving the car.
How do I find the best BMW X3 car insurance quotes for 2023?
The best way to find the best BMW X3 car insurance quotes is to compare quotes from multiple insurance companies. You can use online comparison tools to get quotes from different insurance providers and compare them based on coverage, premiums, and other factors.
How can I save money on BMW X3 car insurance?
There are several ways to save money on BMW X3 car insurance, including:
- Increase your deductible
- Bundle your car insurance with other policies like homeowners or renters insurance
- Take advantage of discounts for safe driving, low mileage, or anti-theft devices
- Shop around and compare quotes from multiple insurance providers
What should I do if I’m involved in an accident with my BMW X3?
If you’re involved in an accident with your BMW X3, you should:
- Stay calm and check for injuries
- Call the police and exchange information with the other driver(s)
- Take pictures of the accident scene and damages to your car
- Contact your insurance provider to report the accident and file a claim
What happens if my BMW X3 is stolen?
If your BMW X3 is stolen, you should contact the police and report the theft immediately. You should also contact your insurance provider to report the theft and file a claim. Your insurance policy may cover the cost of a rental car while you wait for your car to be recovered or replaced.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.