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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 | $107.43 / mo | $103.75 / mo | N/A |
| 2023 | $459.59 / mo | $162.99 / mo | $340.96 / mo | $128.57 / mo | $337.51 / mo | $155.19 / mo |
| 2022 | $263.15 / mo | $219.77 / mo | $184.54 / mo | $209.86 / mo | $213.80 / mo | $171.01 / mo |
| 2021 | N/A | $244.69 / mo | $215.97 / mo | $206.69 / mo | $140.24 / mo | $190.64 / mo |
| 2020 | N/A | $219.19 / mo | $205.25 / mo | $155.76 / mo | $154.49 / mo | $180.63 / mo |
| 2019 | $619.35 / mo | $206.21 / mo | $170.94 / mo | $256.73 / mo | $188.40 / mo | $162.44 / mo |
| 2018 | $517.24 / mo | $267.47 / mo | $159.78 / mo | $159.49 / mo | $152.86 / mo | $178.35 / mo |
| 2017 | $290.83 / mo | $209.63 / mo | $168.70 / mo | $185.65 / mo | $140.46 / mo | $151.50 / mo |
| 2016 | $169.22 / mo | $205.26 / mo | $146.86 / mo | $160.50 / mo | $149.42 / mo | $132.51 / mo |
| 2015 | $196.54 / mo | $198.46 / mo | $208.58 / mo | $133.74 / mo | $126.49 / mo | $207.57 / mo |
| 2014 | $155.46 / mo | $187.66 / mo | $163.14 / mo | $140.57 / mo | $138.35 / mo | $121.88 / mo |
| 2013 | $395.30 / mo | $199.36 / mo | $141.55 / mo | $137.69 / mo | $134.32 / mo | $127.62 / mo |
| 2012 | $217.34 / mo | $187.86 / mo | $194.15 / mo | $112.60 / mo | $115.60 / mo | $134.45 / mo |
| 2011 | $247.39 / mo | $173.41 / mo | $157.13 / mo | $154.77 / mo | $155.82 / mo | $139.70 / mo |
| 2010 | $252.16 / mo | $242.20 / mo | $105.10 / mo | $134.31 / mo | $99.15 / mo | $120.31 / mo |
2024 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Travelers | $990.00 / year |
| Allied | $1,232.00 / year |
| Unitrin | $1,334.00 / 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
$1,548.00 / 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 | $1,891.00 / year |
| Direct Auto | $1,949.00 / year |
2023 Bmw X3 Insurance
Average Cost to Insure
$1,685.73 / 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 | $211.00 / year |
| American National P | $568.00 / year |
| Buckeye Insurance Group | $716.00 / year |
| Mercury Insurance | $789.00 / year |
| Pekin Insurance | $800.00 / year |
| Victoria | $981.00 / year |
| Texas Farm Bureau Group | $1,032.00 / year |
| Virginia Farm Bureau | $1,032.00 / year |
| Western Reserve | $1,124.00 / year |
| Titan | $1,145.00 / year |
2022 Bmw X3 Insurance
Average Cost to Insure
$624.87 / year
Cheapest Rate
$211.00 / year Safeco
Available Trims
M 4dr SPORT UTILITY VEHICLE (6cyl)
2021 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $475.00 / year |
| Safeco | $654.00 / year |
| Mercury Insurance | $899.00 / year |
| National General Value | $993.00 / year |
| Virginia Farm Bureau | $1,047.00 / year |
| Pekin Insurance | $1,060.00 / year |
| Tennessee Farmers | $1,070.00 / year |
| Victoria | $1,095.00 / year |
| Texas Farm Bureau Group | $1,196.00 / year |
| SECURA Insurance | $1,232.00 / year |
2021 Bmw X3 Insurance
Average Cost to Insure
$863.00 / year
Cheapest Rate
$475.00 / year American National P
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2020 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SAFECO | $399.00 / year |
| Pekin Insurance | $742.00 / year |
| American National P | $829.00 / year |
| National General Value | $907.00 / year |
| Titan | $1,040.00 / year |
| IMT Insurance Company | $1,125.00 / year |
| Partners Mutual Insurance Co | $1,178.00 / year |
| SECURA Insurance | $1,218.00 / year |
| Rockford Mutual Insurance | $1,236.00 / year |
| North Carolina Farm Bureau | $1,263.00 / year |
2020 Bmw X3 Insurance
Average Cost to Insure
$656.23 / year
Cheapest Rate
$399.00 / year SAFECO
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2019 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $491.00 / year |
| Buckeye Insurance Group | $787.00 / year |
| MMG Insurance Company | $896.00 / year |
| Indiana Farmers Mutual Ins | $927.00 / year |
| Tennessee Farmers | $963.00 / year |
| Safety Group | $969.00 / year |
| Texas Farm Bureau Group | $1,034.00 / year |
| Ohio Mutual Ins Group | $1,041.00 / year |
| Concord Group | $1,044.00 / year |
| Western Reserve | $1,047.00 / year |
2019 Bmw X3 Insurance
Average Cost to Insure
$487.60 / year
Cheapest Rate
$491.00 / year American National P
Available Trims
SDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2018 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $384.00 / year |
| SafeAuto | $658.00 / year |
| Mercury Insurance | $676.00 / year |
| Ohio Mutual Ins Group | $872.00 / year |
| SAFECO | $890.00 / year |
| Virginia Farm Bureau | $936.00 / year |
| MMG Insurance Company | $953.00 / year |
| Concord Group | $1,058.00 / year |
| Direct Auto | $1,080.00 / year |
| Patriot Group | $1,100.00 / year |
2018 Bmw X3 Insurance
Average Cost to Insure
$630.30 / year
Cheapest Rate
$384.00 / year American National P
Available Trims
XDRIVE30I 4dr SPORT UTILITY VEHICLE (4cyl)
2017 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $544.00 / year |
| SAFECO | $760.00 / year |
| Mercury Insurance Company | $874.00 / year |
| PEMCO | $894.00 / year |
| Virginia Farm Bureau | $907.00 / year |
| Buckeye Insurance Group | $909.00 / year |
| Oregon Mutual | $978.00 / year |
| Mercury Insurance | $983.00 / year |
| North Carolina Farm Bureau | $1,027.00 / year |
| Ohio Mutual Ins Group | $1,047.00 / year |
2017 Bmw X3 Insurance
Average Cost to Insure
$616.13 / year
Cheapest Rate
$544.00 / year American National P
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2016 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $493.00 / year |
| Buckeye Insurance Group | $567.00 / year |
| SAFECO | $581.00 / year |
| American National P | $643.00 / year |
| NatGen Value | $705.00 / year |
| Virginia Farm Bureau | $825.00 / year |
| Ohio Mutual Ins Group | $870.00 / year |
| Western Reserve | $897.00 / year |
| Mercury Insurance | $960.00 / year |
| Celina Insurance Group | $1,004.00 / year |
2016 Bmw X3 Insurance
Average Cost to Insure
$686.07 / year
Cheapest Rate
$493.00 / 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 |
| American National P | $570.00 / year |
| Kentucky Farm Bureau | $810.00 / year |
| North Carolina Farm Bureau | $876.00 / year |
| Mercury Insurance | $908.00 / year |
| Utica National Ins Group | $909.00 / year |
| Jupiter Auto Insurance | $921.00 / year |
| Concord Group | $978.00 / year |
| Union Mutual Fire Group | $981.00 / year |
| West Bend Mutual | $1,019.00 / year |
2015 Bmw X3 Insurance
Average Cost to Insure
$544.40 / 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 |
| SAFECO | $493.00 / year |
| American National P | $767.00 / year |
| Mercury Insurance | $774.00 / year |
| Buckeye Insurance Group | $776.00 / year |
| PEMCO | $913.00 / year |
| Texas Farm Bureau Group | $1,021.00 / year |
| Kemper Auto | Infinity | $1,076.00 / year |
| North Carolina Farm Bureau | $1,091.00 / year |
| SECURA Insurance | $1,107.00 / year |
| Virginia Farm Bureau | $1,124.00 / year |
2014 Bmw X3 Insurance
Average Cost to Insure
$638.47 / year
Cheapest Rate
$493.00 / year SAFECO
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2013 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| NatGen Value | $521.00 / year |
| American National P | $558.00 / year |
| SAFECO | $613.00 / year |
| Utica National Ins Group | $845.00 / year |
| Indiana Farmers Mutual Ins | $924.00 / year |
| North Carolina Farm Bureau | $988.00 / year |
| Tennessee Farmers | $1,046.00 / year |
| Kentucky Farm Bureau | $1,052.00 / year |
| IMT Insurance Company | $1,062.00 / year |
| SECURA Insurance | $1,102.00 / year |
2013 Bmw X3 Insurance
Average Cost to Insure
$407.13 / year
Cheapest Rate
$521.00 / year NatGen Value
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2012 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $607.00 / year |
| Concord Group | $693.00 / year |
| Buckeye Insurance Group | $707.00 / year |
| Utica National Ins Group | $747.00 / year |
| SAFECO | $758.00 / year |
| PEMCO | $767.00 / year |
| Western Reserve | $788.00 / year |
| Virginia Farm Bureau | $807.00 / year |
| SECURA Insurance | $844.00 / year |
| Texas Farm Bureau Group | $850.00 / year |
2012 Bmw X3 Insurance
Average Cost to Insure
$538.10 / year
Cheapest Rate
$607.00 / year American National P
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2011 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SAFECO | $46.00 / year |
| Jupiter Auto Insurance | $348.00 / year |
| Kemper Auto | Infinity | $476.00 / year |
| American National P | $662.00 / year |
| Victoria | $819.00 / year |
| Dairyland | $845.00 / year |
| SECURA Insurance | $903.00 / year |
| Mississippi Farm Bureau | $964.00 / year |
| Mercury Insurance | $1,011.00 / year |
| North Carolina Farm Bureau | $1,030.00 / year |
2011 Bmw X3 Insurance
Average Cost to Insure
$573.07 / year
Cheapest Rate
$46.00 / year SAFECO
Available Trims
XDRIVE35I 4dr SPORT UTILITY VEHICLE (6cyl)
2010 Bmw X3 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $245.00 / year |
| American National P | $514.00 / year |
| SAFECO | $560.00 / year |
| Virginia Farm Bureau | $706.00 / year |
| North Carolina Farm Bureau | $737.00 / year |
| West Bend Mutual | $827.00 / year |
| SECURA Insurance | $880.00 / year |
| Utica National Ins Group | $885.00 / year |
| New Jersey Manufacturers | $906.00 / year |
| Texas Farm Bureau Group | $940.00 / year |
2010 Bmw X3 Insurance
Average Cost to Insure
$756.03 / year
Cheapest Rate
$245.00 / 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.
