BMW X3 Car Insurance: How Much Should You Expect to Pay?

BMW X3 owners pay around $156 per month for their insurance, on average. Our latest guide will provide the information you need to know about how much car insurance carriers might charge you to insure your BMW X3.

Quick Facts

  • A BMW X3 is more expensive to insure compared to the average SUV.
  • Liability insurance for a X3 tends to be about $79 monthly, while full coverage typically runs around $159.
  • CaliforniaCasualty is the lowest auto insurance carrier for a X3 with a national average of just $28 a month for liability only coverage.

X3 Overview

The BMW X3 is a great mid-level option for any driver, with a base price of $43,700 for 2022 models. There are four different trim levels currently offered, so there's an option for every driver.

We combed through thousands of car insurance quotes on Compare.com, and we've found that BMW X3 auto insurance rates run about $156 per month, on average. How do insurance premiums for the X3 stack up against other similar SUVs?

Current Base Price$43,700
Body Style(s)SUV
Trim LevelsXDRIVEM40I, XDRIVE30I, SDRIVE30I, M
Average Insurance Premium$156/mo.
Cheapest Insurance CompanyCaliforniaCasualty

How Much is Car Insurance for a BMW X3?

Vehicle Liability Only Full Coverage
BMW X3$79$159
All BMW Models$84$199
All SUVs$80$151
Average Insurance Premium$81$169

In the table above, you'll find that compared to other vehicles on the road, BMW X3 insurance prices are around average. On average, X3 drivers can expect to pay about $159 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Compared to other models, the X3 is less expensive, with premiums more than 10% lower than other vehicles in BMW's lineup. Compared to SUV offerings from other brands, car insurance for a X3 runs close to average, with full coverage insurance prices coming in at $8 higher than other SUVs and liability insurance rates at $1 cheaper.

When compared to all vehicles, regardless of body style, make, or model, the X3 follows a similar pattern of having average insurance premiums.

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Who has the Cheapest Car Insurance for a BMW X3?

Insurance Company Average Monthly Premium
Good2Go$20
CaliforniaCasualty$28
MetroMile$29
MetLife$30
Infinity$35

Searching for an auto insurance policy for your BMW X3? You might want to know which company offers the cheapest rates. Even though prices can vary pretty significantly from between drivers, the cheapest average rates for liability only insurance are sometimes as little as $20 monthly from Good2Go. The runner up for most affordable rates is CaliforniaCasualty, with insurance policies starting as cheap as just $28 a month.

Completing the top 5 companies are MetroMile, MetLife, and Infinity. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies use a variety of different variables and complex formulas to calculate premiums. The only way to guarantee you find the cheapest rates is to compare quotes from a whole range of car insurance carriers.

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What Factors Affect Car Insurance Rates for a BMW X3?

There are a variety of variables that auto insurance companies take a look at to choose how much they charge -- and every carrier uses a different formula, so there's not just one company that's the most affordable for everyone.

The sections below show multiple factors car insurance carriers use to determine rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$72
2-3 Years$67
4-5 Years$77
6-7 Years$81
8-10 Years$83
11-14 Years$81
15 Years or Older$82

The BMW X3 has been around for a while, so vehicle age may play a role in what you end up paying for insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and X3s begin to depreciate, insurance costs will gradually go down.

As you can see in the information above, the BMW X3 is an outlier, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive X3s are 8 to 10 years old.

Your Age

Age Average Monthly Premium

How old you are makes a significant difference in how much auto insurance companies will charge for insurance. Based on the information in the table above, drivers who have more experience on the road pay less for auto insurance than the youngest X3 drivers. BMW X3 drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for X3 drivers.

Your Gender

Gender Average Monthly Premium
Male$80
Female$78

Because women are less likely to get speeding tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, women normally pay less for car insurance than men. When it comes to X3 drivers specifically, men pay around 3% more than women per month for auto insurance.

Where You Live

State Average Monthly Premium
California$55
Florida$116
Georgia$108
Illinois$45
New York$179
North Carolina$60
Ohio$48
Pennsylvania$59
Texas$62
Virginia$65

You're probably already aware that things such as what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live is equally important? Since insurance is regulated on the state level rather than nationally, prices shift quite a bit depending on where you live.

For example, the average BMW X3 owner from New York pays about $179 a month for liability coverage, while on average, the same Californian driver will pay less than 50% of that price. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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BMW X3 Car Insurance Discounts

Whatever where you live, which car you drive, or how old you are, it's always the smart move to take advantage of as many car insurance discounts as possible.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

  • Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than in monthly installments
  • Multi-policy discounts for using the same insurance company for both your home and car insurance
  • Multi-car discounts for adding more than one vehicle to your auto policy
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

These are just a few of the discounts auto insurance carriers offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

Of course, you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you can control. Below are just a few of the factors you can use to your advantage when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$95
Multiple Accidents$102
1 Ticket$85
Multiple Tickets$113

You've most likely noticed ads from insurance companies posting big discounts for responsible drivers. It shouldn't come as a surprise that your auto insurance rates will increase if you get tickets for speeding or get into a collision. But exactly how much will these infractions cost you?

You can tell from the table above that accidents will usually cost X3 drivers more than tickets, but both will result in above average rates. BMW X3 drivers with one ticket will pay about $85 monthly, while drivers with a single accident on their record pay an average of $95 each month (up $16 from the $79/mo. overall average). The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$91
2,501-5,000 Miles$68
5,001-7,500 Miles$73
7,501-10,000 Miles$79
10,000+ Miles$91

The total distance you drive each year impacts your insurance prices. Those who are on the roads less have fewer opportunities to get into an accident, so they'll generally end up spending less on auto insurance. In the table above, you can see that BMW X3 owners who drive less than 2,500 miles pay $91 for car insurance, while those who drive between 2,500 and 5,000 miles per year pay an average of $68 per month.

But if you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do BMW X3s Compare to Other Vehicles?

If you're considering making a BMW X3 your next SUV, you might be wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Take a look at the table below to see how the BMW X3 compares:

BMW X3 National Average
Liability Insurance-$81
Full Coverage Insurance$163$169
Base MSRP$43,700$46,192
Average Annual Mileage9,60611,617

Overall, the BMW X3 has an MSRP that's on par with the going rate for a new vehicle. The X3 has an MSRP of $43,700, similar to the national average vehicle MSRP of $46,192.

Full coverage insurance for a BMW X3 is around $6 a month cheaper than average, while liability only coverage is monthly.

When it comes to usage, BMW X3 drivers are much lower than the national average in annual miles driven, with 9,606 miles a year compared to 11,617 for all vehicles.

BMW X3 Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much you might pay for insurance. But if you're considering buying a new vehicle and the X3 is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2021 BMW X3 Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$159
Base MSRP$43,000
Cheapest Insurance CompanyMercury - $31/mo.
Available TrimsM COMPETITION/M, SDRIVE30I, XDRIVE30E, XDRIVE30I, XDRIVEM40I

2021 X3 drivers can expect to pay an average of $52 a month for liability or $159 for full coverage.

We found Mercury offered the lowest policy, with rates sometimes as cheap as $31 per month.

If you want to find the best prices for insurance for a 2021 BMW X3, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2020 BMW X3 Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$182
Base MSRP$41,950
Cheapest Insurance CompanyGood2Go - $20/mo.
Available TrimsM COMPETITION, SDRIVE30I, XDRIVE30E, XDRIVE30I, XDRIVEM40I

The average cost to insure a 2020 BMW X3 with liability only coverage is $76 a month, while full coverage runs about $182 monthly.

Good2Go has rates as little as just $220/mo per month for the 2020 BMW X3.

While these are good estimates of what the average driver might pay to insure a 2020 BMW X3, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2019 BMW X3 Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$172
Base MSRP$41,000
Cheapest Insurance CompanyHugo - $19/mo.
Available TrimsSDRIVE30I, XDRIVE30I, XDRIVEM40I

It costs around $70 monthly for liability or $172 for a full coverage policy for the 2019 X3.

With rates as low as $19 per month, Hugo offered the cheapest policy we found.

Interested in what your auto insurance price will be? Just enter your ZIP code below to get multiple customized quotes for free.

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2018 BMW X3 Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$169
Base MSRP$42,650
Cheapest Insurance CompanyMetroMile - $23/mo.
Available TrimsXDRIVE30I, XDRIVEM40I

On average, drivers who own a 2018 BMW X3 can expect to pay $74 to $169 a month for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? MetroMile offered liability only coverage for sometimes as low as $23 per month.

These average prices are a great starting point if you're in the market for a 2018 BMW X3, but there are a range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2017 BMW X3 Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$177
Base MSRP$40,050
Cheapest Insurance CompanyLiberty Mutual - $25/mo.
Available TrimsSDRIVE28I, XDRIVE28D, XDRIVE28I, XDRIVE35I

You can expect full coverage for a 2017 X3 to run about $177 monthly, while liability only coverage will average around $85 a month.

If you're looking for the lowest possible 2017 BMW X3 insurance policy, Liberty Mutual offered the lowest policy we found, with rates as low as just $25 monthly.

If you want to find the best premiums for auto insurance for a 2017 BMW X3, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2016 BMW X3 Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$161
Base MSRP$38,950
Cheapest Insurance CompanyPlymouthRockNJ - $26/mo.
Available TrimsSDRIVE28I, XDRIVE28D, XDRIVE28I, XDRIVE35I

2016 BMW X3 drivers can expect to pay an average of $66 a month for liability or $161 for full coverage.

With prices as cheap as $26 per month, PlymouthRockNJ offered the most affordable policy we found for the 2016 BMW X3.

Want something more accurate than national averages? Enter your ZIP code below to get a variety of free customized quotes.

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2015 BMW X3 Car Insurance

   
Liability Only Avg. Premium$64
Full Coverage Avg. Premium$133
Base MSRP$38,500
Cheapest Insurance CompanyHugo - $16/mo.
Available TrimsSDRIVE28I, XDRIVE28D, XDRIVE28I, XDRIVE35I

You can expect full coverage for a 2015 X3 to run about $133 a month, while liability only coverage will average around $64 per month.

Hugo offered the lowest policy we found, with rates as little as $16 monthly.

While these are good estimates of what the average driver might pay to insure a 2015 BMW X3, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2014 BMW X3 Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$136
Base MSRP$39,800
Cheapest Insurance CompanyMetLife - $20/mo.
Available TrimsXDRIVE28I, XDRIVE35I

It costs about $71 per month for liability or $136 for a full coverage policy for the 2014 BMW X3.

MetLife has rates as low as $20 monthly for the 2014 BMW X3.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2013 BMW X3 Car Insurance

   
Liability Only Avg. Premium$103
Full Coverage Avg. Premium$187
Base MSRP$38,850
Cheapest Insurance CompanyShelter Mutual - $29/mo.
Available TrimsXDRIVE28I, XDRIVE35I

On average, drivers who own a 2013 X3 can expect to pay $103 to $187 a month for liability only and full coverage insurance, respectively.

Shelter Mutual offered the cheapest policy we found, with rates as cheap as just $29 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.

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2012 BMW X3 Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$140
Base MSRP$37,100
Cheapest Insurance CompanyShelter Mutual - $22/mo.
Available TrimsXDRIVE28I, XDRIVE35I

The average cost to insure a 2012 BMW X3 with liability only coverage is $71 monthly, while full coverage runs around $140 a month.

If you're looking for the most affordable 2012 BMW X3 insurance policy, Shelter Mutual offered the lowest policy we found, with rates as cheap as $22 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2011 BMW X3 Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$145
Base MSRP$36,750
Cheapest Insurance CompanyLiberty Mutual - $23/mo.
Available TrimsXDRIVE28I, XDRIVE35I

It costs about $72 a month for liability or $145 for a full coverage policy for the 2011 X3.

With premiums sometimes as low as $23 per month, Liberty Mutual offered the most affordable policy we found.

Want something more accurate than nationwide averages? Get several free customized quotes by just entering your ZIP code below.

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2010 BMW X3 Car Insurance

   
Liability Only Avg. Premium$59
Full Coverage Avg. Premium$149
Base MSRP$38,850
Cheapest Insurance CompanyElephant - $25/mo.
Available TrimsXDRIVE30I

You can expect full coverage for a 2010 BMW X3 to run around $149 a month, while liability only coverage will average about $59 monthly.

Looking for the cheapest policy? Elephant offered liability only coverage for as low as just $25 per month.

If you want to know exactly how much you can expect to pay for your X3, get free quotes in minutes by just entering your ZIP code below.

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BMW X3 Insurance FAQs

Is a BMW X3 expensive to insure?

Liability insurance runs an average of $79 monthly, while full coverage will cost you around $159. Compared to the national average of all SUVs, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my BMW X3?

There's only one way to guarantee you're getting the most affordable rates -- regularly shopping around and comparing quotes from a multitude of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my BMW X3 affect my insurance prices?

You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are many variables car insurance carriers examine when they decide your insurance premium, but your X3's color isn't one of them.

Do I need to have insurance before I buy a BMW X3?

You'll need to have valid car insurance for your BMW X3 before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance company know ahead of time.

What car insurance discounts can I get for my BMW X3?

You will find a variety of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your car and more on you, but if your X3 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, reach out to your insurance carrier and ask about their list of discounts.

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