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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 |
| 2024 | N/A | $149.28 / mo | $135.74 / mo | $106.81 / mo | $103.75 / mo | N/A |
| 2023 | $459.59 / mo | $162.99 / mo | $330.64 / mo | $128.57 / mo | $304.12 / mo | $155.19 / mo |
| 2022 | $263.15 / mo | $238.11 / mo | $189.66 / mo | $246.41 / mo | $251.25 / mo | $184.74 / mo |
| 2021 | N/A | $242.64 / mo | $238.16 / mo | $244.15 / mo | $136.11 / mo | $201.10 / mo |
| 2020 | N/A | $238.37 / mo | $212.62 / mo | $169.93 / mo | $136.99 / mo | $192.97 / mo |
| 2019 | $120.27 / mo | $198.44 / mo | $193.22 / mo | $288.68 / mo | $240.45 / mo | $161.45 / mo |
| 2018 | N/A | $292.46 / mo | $150.15 / mo | $184.18 / mo | $160.21 / mo | $225.54 / mo |
| 2017 | $136.64 / mo | $257.05 / mo | $206.06 / mo | $157.83 / mo | $157.01 / mo | $147.22 / mo |
| 2016 | $169.22 / mo | $238.30 / mo | $139.50 / mo | $145.67 / mo | $186.07 / mo | $161.46 / mo |
| 2015 | N/A | $191.00 / mo | $236.22 / mo | $158.65 / mo | $105.44 / mo | $291.35 / mo |
| 2014 | $113.49 / mo | $193.71 / mo | $194.94 / mo | $161.48 / mo | $168.44 / mo | $121.19 / mo |
| 2013 | $438.00 / mo | $225.70 / mo | $215.96 / mo | $160.62 / mo | $119.53 / mo | $145.43 / mo |
| 2012 | $322.95 / mo | $173.88 / mo | $191.81 / mo | $144.26 / mo | $112.35 / mo | $140.41 / mo |
| 2011 | $199.50 / mo | $186.53 / mo | $191.97 / mo | $188.95 / mo | $183.38 / mo | $166.56 / mo |
| 2010 | $126.51 / mo | $285.65 / mo | N/A | $166.92 / mo | $212.07 / mo | $116.50 / mo |
2024 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Travelers | $990.00 / year |
| Allied | $1,232.00 / year |
| Unitrin | $1,327.00 / year |
| Farmers | $1,610.00 / year |
| Bristol West | $1,700.00 / year |
| Plymouth Rock Assurance | $2,117.00 / year |
| State Farm | $2,378.00 / year |
| Texas Farm Bureau Group | $2,625.00 / year |
| Preferred Mutual | $2,922.00 / year |
| Safety Group | $2,940.00 / year |
2024 Bmw X3 Insurance
Average Cost to Insure
$1,524.00 / year
Cheapest Rate
$990.00 / year Travelers
Available Trims
M 4dr SPORT UTILITY VEHICLE (6cyl)
2023 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $480.00 / year |
| Victoria | $1,095.00 / year |
| New Jersey Manufacturers | $1,502.00 / year |
| SECURA Insurance | $1,614.00 / year |
| Penn National | $1,632.00 / year |
| New York Central Mutual Fire | $1,658.00 / year |
| 21st Century | $1,743.00 / year |
| California Capital | $1,799.00 / year |
| Unitrin | $1,845.00 / year |
| Direct Auto | $1,949.00 / year |
2023 Bmw X3 Insurance
Average Cost to Insure
$1,684.20 / year
Cheapest Rate
$480.00 / year Safeco
Available Trims
M 4dr SPORT UTILITY VEHICLE (6cyl)
2022 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $182.00 / year |
| American National P | $568.00 / year |
| Mercury Insurance | $668.00 / year |
| Buckeye Insurance Group | $716.00 / year |
| Pekin Insurance | $951.00 / year |
| Texas Farm Bureau Group | $985.00 / year |
| Virginia Farm Bureau | $1,037.00 / year |
| Western Reserve | $1,124.00 / year |
| Ohio Mutual Ins Group | $1,326.00 / year |
| Tennessee Farmers | $1,425.00 / year |
2022 Bmw X3 Insurance
Average Cost to Insure
$698.43 / year
Cheapest Rate
$182.00 / year Safeco
Available Trims
M 4dr SPORT UTILITY VEHICLE (6cyl)
2021 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $482.00 / year |
| Mercury Insurance | $634.00 / year |
| Texas Farm Bureau Group | $892.00 / year |
| Virginia Farm Bureau | $948.00 / year |
| National General Value | $993.00 / year |
| Tennessee Farmers | $1,070.00 / year |
| SECURA Insurance | $1,231.00 / year |
| Pekin Insurance | $1,261.00 / year |
| New Jersey Manufacturers | $1,300.00 / year |
| Capital Insurance Group | $1,442.00 / year |
2021 Bmw X3 Insurance
Average Cost to Insure
$894.67 / year
Cheapest Rate
$482.00 / year Safeco
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2020 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $175.00 / year |
| American National P | $507.00 / year |
| Pekin Insurance | $612.00 / year |
| Kemper Auto | Infinity | $658.00 / year |
| Utica National Ins Group | $1,092.00 / year |
| Titan | $1,155.00 / year |
| Farm Bureau Mutual (IA Group) | $1,246.00 / year |
| North Carolina Farm Bureau | $1,257.00 / year |
| Automobile Club of Missouri | $1,328.00 / year |
| Rockford Mutual Insurance | $1,371.00 / year |
2020 Bmw X3 Insurance
Average Cost to Insure
$695.83 / year
Cheapest Rate
$175.00 / year Safeco
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2019 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $250.00 / year |
| American National P | $444.00 / year |
| MMG Insurance Company | $896.00 / year |
| Mercury Insurance | $901.00 / year |
| Texas Farm Bureau Group | $918.00 / year |
| Safety Group | $969.00 / year |
| Concord Group | $1,044.00 / year |
| Unigard | $1,095.00 / year |
| PEMCO | $1,095.00 / year |
| Virginia Farm Bureau | $1,125.00 / year |
2019 Bmw X3 Insurance
Average Cost to Insure
$586.93 / year
Cheapest Rate
$250.00 / year Safeco
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2018 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $313.00 / year |
| Mercury Insurance | $512.00 / year |
| SafeAuto | $658.00 / year |
| Virginia Farm Bureau | $802.00 / year |
| MMG Insurance Company | $953.00 / year |
| Concord Group | $1,058.00 / year |
| Patriot Group | $1,100.00 / year |
| Country | $1,117.00 / year |
| Tennessee Farmers | $1,248.00 / year |
| Verti Insurance | $1,264.00 / year |
2018 Bmw X3 Insurance
Average Cost to Insure
$737.73 / year
Cheapest Rate
$313.00 / year Safeco
Available Trims
XDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2017 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $510.00 / year |
| Safeco | $512.00 / year |
| Buckeye Insurance Group | $765.00 / year |
| Virginia Farm Bureau | $859.00 / year |
| PEMCO | $894.00 / year |
| North Carolina Farm Bureau | $974.00 / year |
| Oregon Mutual | $978.00 / year |
| Western Reserve | $1,038.00 / year |
| Ohio Mutual Ins Group | $1,047.00 / year |
| Mercury Insurance | $1,062.00 / year |
2017 Bmw X3 Insurance
Average Cost to Insure
$702.80 / year
Cheapest Rate
$510.00 / year American National P
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2016 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $280.00 / year |
| Texas Farm Bureau Group | $429.00 / year |
| American National P&C | $552.00 / year |
| American National P | $564.00 / year |
| NatGen Value | $705.00 / year |
| Mercury Insurance | $807.00 / year |
| SafeAuto | $966.00 / year |
| North Carolina Farm Bureau | $1,026.00 / year |
| Direct Auto | $1,067.00 / year |
| Concord Group | $1,104.00 / year |
2016 Bmw X3 Insurance
Average Cost to Insure
$783.03 / year
Cheapest Rate
$280.00 / year Safeco
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2015 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $779.00 / year |
| Farm Bureau Mutual (IA Group) | $846.00 / year |
| Mercury Insurance | $908.00 / year |
| SECURA Insurance | $1,011.00 / year |
| Penn National | $1,016.00 / year |
| West Bend Mutual | $1,019.00 / year |
| Virginia Farm Bureau | $1,097.00 / year |
| North Star | $1,113.00 / year |
| Capital Insurance Group | $1,151.00 / year |
| Rockford Mutual Insurance | $1,217.00 / year |
2015 Bmw X3 Insurance
Average Cost to Insure
$656.00 / year
Cheapest Rate
$779.00 / year Direct Auto
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2014 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $136.00 / year |
| Mercury Insurance | $196.00 / year |
| MO Farm Bureau Services | $965.00 / year |
| PEMCO | $968.00 / year |
| Texas Farm Bureau Group | $982.00 / year |
| SECURA Insurance | $1,139.00 / year |
| North Carolina Farm Bureau | $1,150.00 / year |
| Capital Insurance Group | $1,193.00 / year |
| Virginia Farm Bureau | $1,200.00 / year |
| Unigard | $1,252.00 / year |
2014 Bmw X3 Insurance
Average Cost to Insure
$756.37 / year
Cheapest Rate
$136.00 / year Safeco
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2013 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $169.00 / year |
| American National P | $504.00 / year |
| NatGen Value | $521.00 / year |
| Buckeye Insurance Group | $654.00 / year |
| Utica National Ins Group | $833.00 / year |
| Ohio Mutual Ins Group | $898.00 / year |
| Western Reserve | $906.00 / year |
| Indiana Farmers Mutual Ins | $924.00 / year |
| Farm Bureau Mutual (IA Group) | $951.00 / year |
| North Carolina Farm Bureau | $1,018.00 / year |
2013 Bmw X3 Insurance
Average Cost to Insure
$389.30 / year
Cheapest Rate
$169.00 / year Safeco
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2012 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $536.00 / year |
| Texas Farm Bureau Group | $597.00 / year |
| American National P | $636.00 / year |
| SECURA Insurance | $746.00 / year |
| Clearcover | $758.00 / year |
| Buckeye Insurance Group | $796.00 / year |
| Western Reserve | $822.00 / year |
| NatGen Advantage | $897.00 / year |
| Farm Bureau Mutual (IA Group) | $918.00 / year |
| Ohio Mutual Ins Group | $1,003.00 / year |
2012 Bmw X3 Insurance
Average Cost to Insure
$661.93 / year
Cheapest Rate
$536.00 / year Safeco
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2011 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $29.00 / year |
| American National P | $447.00 / year |
| Kemper Auto | Infinity | $501.00 / year |
| Dairyland | $695.00 / year |
| Victoria | $819.00 / year |
| Capital Insurance Group | $914.00 / year |
| SECURA Insurance | $973.00 / year |
| Buckeye Insurance Group | $1,089.00 / year |
| Mercury Insurance | $1,112.00 / year |
| North Carolina Farm Bureau | $1,143.00 / year |
2011 Bmw X3 Insurance
Average Cost to Insure
$653.97 / year
Cheapest Rate
$29.00 / year Safeco
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2010 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SECURA Insurance | $794.00 / year |
| Wolverine Mutual | $894.00 / year |
| Country | $919.00 / year |
| Pioneer State Mutual Ins Co | $1,149.00 / year |
| Oregon Mutual | $1,274.00 / year |
| MEEMIC Insurance Company | $1,293.00 / year |
| Tennessee Farmers | $1,338.00 / year |
| Unitrin | $1,341.00 / year |
| Mutual Of Enumclaw | $1,353.00 / year |
| Penn National | $1,509.00 / year |
2010 Bmw X3 Insurance
Average Cost to Insure
$1,060.03 / year
Cheapest Rate
$794.00 / year SECURA 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.
