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BMW X3 Car Insurance
How much does car insurance cost for your Bmw X3? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your X3
What is the Average Cost to Insure a Bmw X3?
Bmw X3
How much does car insurance cost for Bmw X3? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Bmw X3 below.
Bmw X3 Insurance Model Year by Age Group
The price you pay to insure your Bmw X3 can vary based on your age group. Here are the average rates you can expect to pay.
| Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
| 2022 | N/A | $0.00 / mo | N/A | N/A | $82.27 / mo | N/A |
| 2021 | N/A | $247.89 / mo | $183.01 / mo | $217.78 / mo | $118.95 / mo | N/A |
| 2020 | N/A | $195.04 / mo | $168.58 / mo | $68.07 / mo | $231.28 / mo | $208.47 / mo |
| 2019 | $715.00 / mo | $179.41 / mo | $123.68 / mo | $191.34 / mo | $137.62 / mo | $194.30 / mo |
| 2018 | $524.07 / mo | $230.26 / mo | $144.81 / mo | $126.07 / mo | $94.54 / mo | $184.36 / mo |
| 2017 | N/A | $175.52 / mo | $130.33 / mo | $193.55 / mo | $83.13 / mo | $155.91 / mo |
| 2016 | N/A | $123.35 / mo | $126.11 / mo | $114.43 / mo | $112.73 / mo | $92.30 / mo |
| 2015 | $129.75 / mo | $137.89 / mo | $105.61 / mo | $115.09 / mo | $163.57 / mo | $74.80 / mo |
| 2014 | $130.09 / mo | $161.73 / mo | $122.06 / mo | $119.11 / mo | $102.43 / mo | $121.19 / mo |
| 2013 | $474.78 / mo | $168.18 / mo | $94.76 / mo | $91.33 / mo | $103.52 / mo | $100.98 / mo |
| 2012 | $111.72 / mo | $173.40 / mo | $122.33 / mo | $77.40 / mo | $96.18 / mo | $57.46 / mo |
| 2011 | $228.73 / mo | $167.77 / mo | $86.67 / mo | $116.89 / mo | $64.81 / mo | $151.28 / mo |
| 2010 | $190.20 / mo | $185.87 / mo | $68.45 / mo | $140.12 / mo | $61.40 / mo | $120.88 / mo |
2022 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Hastings Mutual Insurance Co | $591.00 / year |
| Travelers | $750.00 / year |
| Metropolitan | $1,106.00 / year |
| Farmers | $1,452.00 / year |
| Allied | $3,665.00 / year |
| Safe Auto | $3,960.00 / year |
2022 Bmw X3 Insurance
Average Cost to Insure
$492.00 / year
Cheapest Rate
$591.00 / year Hastings Mutual Insurance Co
Available Trims
M 4dr SPORT UTILITY VEHICLE (6cyl)
2021 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $1,306.00 / year |
| Clearcover | $1,571.00 / year |
| Direct Auto | $1,713.00 / year |
| National General | $1,797.00 / year |
| Travelers | $1,921.00 / year |
| New Jersey Manufacturers | $1,926.00 / year |
| Nationwide | $1,966.00 / year |
| New York Central Mutual Fire | $2,120.00 / year |
| Georgia Farm Bureau | $2,127.00 / year |
| USAA | $2,207.00 / year |
2021 Bmw X3 Insurance
Average Cost to Insure
$2,340.00 / year
Cheapest Rate
$1,306.00 / year Safeco
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2020 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Titan | $908.00 / year |
| Utica National Ins Group | $1,344.00 / year |
| Direct Auto | $1,550.00 / year |
| North Carolina Farm Bureau | $1,572.00 / year |
| New Jersey Manufacturers | $1,635.00 / year |
| Mercury Insurance | $1,741.00 / year |
| Penn National | $1,950.00 / year |
| CSAA | $2,042.00 / year |
| Auto-Owners Insurance Co | $2,048.00 / year |
| SAFECO | $2,061.00 / year |
2020 Bmw X3 Insurance
Average Cost to Insure
$1,988.53 / year
Cheapest Rate
$908.00 / year Titan
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2019 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Tennessee Farmers | $963.00 / year |
| North Carolina Farm Bureau | $1,050.00 / year |
| Titan | $1,124.00 / year |
| Texas Farm Bureau Group | $1,230.00 / year |
| Clearcover | $1,242.00 / year |
| New Jersey Manufacturers | $1,253.00 / year |
| Utica National Ins Group | $1,278.00 / year |
| National General | $1,314.00 / year |
| Mississippi Farm Bureau | $1,332.00 / year |
| Farm Bureau Mutual (IA Group) | $1,446.00 / year |
2019 Bmw X3 Insurance
Average Cost to Insure
$1,366.03 / year
Cheapest Rate
$963.00 / year Tennessee Farmers
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2018 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Oregon Mutual | $968.00 / year |
| Direct Auto | $1,080.00 / year |
| Utica National Ins Group | $1,082.00 / year |
| Mutual Of Enumclaw | $1,146.00 / year |
| PEMCO | $1,191.00 / year |
| North Carolina Farm Bureau | $1,244.00 / year |
| Titan | $1,248.00 / year |
| New Jersey Manufacturers | $1,380.00 / year |
| GMAC Insurance Group | $1,409.00 / year |
| Quincy Mutual | $1,425.00 / year |
2018 Bmw X3 Insurance
Average Cost to Insure
$1,766.47 / year
Cheapest Rate
$968.00 / year Oregon Mutual
Available Trims
XDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2017 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Utica National Ins Group | $999.00 / year |
| Virginia Farm Bureau | $1,017.00 / year |
| Direct Auto | $1,233.00 / year |
| Cincinnati Insurance | $1,332.00 / year |
| Bristol West | $1,417.00 / year |
| Travelers | $1,555.00 / year |
| Auto-Owners Insurance Co | $1,595.00 / year |
| Erie | $1,688.00 / year |
| Farmers | $1,689.00 / year |
| Clearcover | $1,693.00 / year |
2017 Bmw X3 Insurance
Average Cost to Insure
$1,795.47 / year
Cheapest Rate
$999.00 / year Utica National Ins Group
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2016 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $435.00 / year |
| Clearcover | $994.00 / year |
| New Jersey Manufacturers | $1,071.00 / year |
| PEMCO | $1,128.00 / year |
| Texas Farm Bureau Group | $1,144.00 / year |
| Direct Auto | $1,204.00 / year |
| Southern Farm Bureau | $1,216.00 / year |
| Oregon Mutual | $1,233.00 / year |
| Verti Insurance | $1,264.00 / year |
| Unigard | $1,274.00 / year |
2016 Bmw X3 Insurance
Average Cost to Insure
$1,331.13 / year
Cheapest Rate
$435.00 / year American National P&C
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2015 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $552.00 / year |
| Kentucky Farm Bureau | $810.00 / year |
| Jupiter Auto Insurance | $921.00 / year |
| Country | $1,148.00 / year |
| Westfield | $1,362.00 / year |
| Clearcover | $1,382.00 / year |
| Southern Farm Bureau | $1,490.00 / year |
| Auto-Owners Insurance Co | $1,509.00 / year |
| Alliance United | $1,542.00 / year |
| Cincinnati Insurance | $1,551.00 / year |
2015 Bmw X3 Insurance
Average Cost to Insure
$1,476.00 / year
Cheapest Rate
$552.00 / year American National P&C
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2014 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $968.00 / year |
| Texas Farm Bureau Group | $972.00 / year |
| New Jersey Manufacturers | $1,068.00 / year |
| Clearcover | $1,383.00 / year |
| Direct Auto | $1,384.00 / year |
| Georgia Farm Bureau | $1,652.00 / year |
| State Auto | $1,704.00 / year |
| Country | $1,764.00 / year |
| Republic Indemnity | $1,878.00 / year |
| Auto-Owners Insurance Co | $1,884.00 / year |
2014 Bmw X3 Insurance
Average Cost to Insure
$1,572.00 / year
Cheapest Rate
$968.00 / year Jupiter Auto Insurance
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2013 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Farm Bureau Mutual (IA Group) | $768.00 / year |
| Texas Farm Bureau Group | $1,058.00 / year |
| IMT Insurance Company | $1,062.00 / year |
| Clearcover | $1,105.00 / year |
| American Family | $1,140.00 / year |
| Pekin Insurance | $1,159.00 / year |
| New Jersey Manufacturers | $1,239.00 / year |
| USAA | $1,289.00 / year |
| Donegal Mutual Insurance Co | $1,344.00 / year |
| Direct Auto | $1,355.00 / year |
2013 Bmw X3 Insurance
Average Cost to Insure
$1,473.37 / year
Cheapest Rate
$768.00 / year Farm Bureau Mutual (IA Group)
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2012 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Georgia Farm Bureau | $1,131.00 / year |
| Safety Group | $1,244.00 / year |
| Clearcover | $1,260.00 / year |
| Capital Insurance Group | $1,262.00 / year |
| Norfolk and Dedham Group | $1,371.00 / year |
| ACE American Pool | $1,412.00 / year |
| Country | $1,447.00 / year |
| Arbella Insurance Group | $1,514.00 / year |
| Plymouth Rock Assurance | $1,521.00 / year |
| ACCC Insurance Company | $1,550.00 / year |
2012 Bmw X3 Insurance
Average Cost to Insure
$1,344.00 / year
Cheapest Rate
$1,131.00 / year Georgia Farm Bureau
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2011 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $348.00 / year |
| Clearcover | $486.00 / year |
| SAFECO | $918.00 / year |
| American Family | $1,062.00 / year |
| Auto Club Group | $1,349.00 / year |
| Farmers | $1,748.00 / year |
| SafeAuto | $1,905.00 / year |
| 21st Century | $1,970.00 / year |
| Direct General Insurance | $2,025.00 / year |
| Sentry | $2,093.00 / year |
2011 Bmw X3 Insurance
Average Cost to Insure
$1,584.00 / year
Cheapest Rate
$348.00 / year Jupiter Auto Insurance
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2010 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $368.00 / year |
| Allied | $819.00 / year |
| New Jersey Manufacturers | $933.00 / year |
| Allstate | $1,114.00 / year |
| Travelers | $1,224.00 / year |
| Nationwide | $1,314.00 / year |
| State Farm | $1,485.00 / year |
| Direct Auto | $1,720.00 / year |
| Victoria | $1,761.00 / year |
| Penn National | $1,938.00 / year |
2010 Bmw X3 Insurance
Average Cost to Insure
$1,728.00 / year
Cheapest Rate
$368.00 / year Jupiter Auto Insurance
Available Trims
XDRIVE30I 4dr SPORT UTILITY VEHICLE (6cyl)
Compare X3 to other Bmw Models
Wondering how the X3 compares to other Bmw Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
