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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Katie Powers is an insurance and personal finance editor for Compare.com. Katie loves using her extensive writing and editing experience to help readers make more informed decisions with their money. She's also a licensed insurance producer in the state of New York and has seen her work appear in several notable outlets, including the Boston Globe, Insurify, Penguin Random House, and more.
Katie earned a Bachelor of Arts and Master of Arts in writing, literature, and publishing from Emerson College. She has been editing for Compare.com since 2025.
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The BMW X3 is a compact luxury SUV with a spacious interior and plenty of tech features, like a personal assistant system.[1] The average cost of car insurance for X3 owners is $163 per month, according to Compare.com data.
Insurance costs for the X3 — and other BMW models — fall slightly above the national average, possibly due to the brand’s high repair costs.
Here’s what you should know about auto insurance options for the BMW X3, including how to find a good deal on an auto policy.
BMV X3 owners pay an average of $113 per month for minimum coverage and $212 for full-coverage car insurance.
Safeco, Root, and Mercury offer some of the lowest average rates for X3 drivers.
The top-tier X3 M50 xDrive trim will likely cost more to insure than the base X3 xDrive30 trim.
The type of car insurance you choose will play a major role in your car insurance rates. Liability policies offer the cheapest premiums but only cover damages and injuries to other drivers after an accident. full-coverage insurance costs more but can also cover car accidents, natural disasters, theft, vandalism, and several other situations.
Here’s a look at the average monthly rates for liability and full coverage for the BMW X3. See how these rates compare to the national average car insurance rates for all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| BMW X3 | $113 | $212 | $163 |
| All vehicles | $108 | $190 | $149 |
BMW X3 drivers pay an average of $113 per month for liability coverage and $212 for full coverage. Keep in mind that the above premiums are just averages. Your exact premium will vary based on a number of factors, including your insurer and vehicle model year, which we’ll discuss further below.
Regardless of average rates, you can find ways to save on your X3 insurance coverage. To start your search, you can compare average rates from some of the cheapest car insurance companies for BMW X3s in the table below.
Company | Average Monthly Premium |
|---|---|
| Safeco | $119 |
| Root | $119 |
| Mercury | $120 |
| GEICO | $135 |
| National General | $142 |
With average premiums of $119 per month, Safeco has the lowest rates for BMW X3 drivers, making it a good place to start looking for cheap car insurance.
Though the insurance companies above offer the cheapest coverage for X3s, the best deal for you will depend on your unique coverage needs and budget. You should shop around and compare quotes before buying a policy.
Keep reading to find out how much auto policies might cost for various types of X3 owners.
Compare quotes and save money in seconds.
When it comes to car insurance, no single insurer is a good fit for every driver. The best insurance company for your BMW X3 will depend on your particular driver profile, needs, and personal preferences.
To make your search easier, we’ve highlighted three of the best auto insurance companies for X3 drivers on a budget, military drivers, and low-mileage drivers. We chose each insurance company based on average premiums, coverage options, available insurance discounts, customer reviews, and third-party rankings.
Below, you can learn more about three of the best car insurance companies for BMW X3 drivers.
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers some of the cheapest car insurance costs for X3 owners. Plus, you can sign up for the RightTrack telematics program to further your savings.
The company’s other money-saving opportunities include its diminishing deductible and claims-free cash-back offerings. For claims-free cash back, you can earn back a portion of your premium if you don’t file a claim for six months.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $96/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re a military member, veteran, or an eligible family member of one, USAA can be a good choice for your X3 car insurance. USAA offers SafePilot, a telematics program that rewards safe drivers with up to 30% off coverage, and SafePilot Miles, a pay-per-mile insurance program for occasional drivers.
You may also qualify for a variety of military-specific discounts, and USAA allows you to manage your policy 24/7 with the mobile app.
Above-average customer satisfaction ratings[4]
Accident forgiveness available
Offers car insurance in select overseas locations
Only available to the military community
Fewer discounts than competitors
Lacks in-person local agent support
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide might be a good fit if you don’t drive your BMW X3 very often.
SmartMiles, a Nationwide program for low-mileage drivers, can help you save money on your coverage. In addition to a relatively inexpensive monthly base rate, you’ll only pay a small fee for every mile you drive. You can work with a Nationwide agent to learn more and determine the ideal policy for your budget and needs.
Save up to 40% with SmartRide
Gap insurance available
Save up to $500 with vanishing deductible
SmartMiles only available in some U.S. states
Low Trustpilot rating[5]
Potential issues with online quote tool
The model year of your BMW X3 can affect your car insurance premiums. Typically, the more your car is worth, the more expensive your coverage will be. Newer models typically have higher rates.
The table below includes the average car insurance costs for the BMW X3 by model year, according to Compare.com data.
X3 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $175 |
| 2024 | $177 |
| 2023 | $193 |
| 2022 | $180 |
| 2021 | $189 |
| 2020 | $180 |
| 2019 | $176 |
| 2018 | $170 |
| 2017 | $158 |
| 2016 | $148 |
| 2015 | $144 |
| 2014 | $149 |
| 2013 | $156 |
| 2012 | $138 |
| 2011 | $141 |
| 2010 | $149 |
The model year is just one factor that can play a role in what you pay for car insurance coverage. Insurance companies will also consider your state and ZIP code.
Car insurance costs vary depending on where you live due to various factors. The repair costs, crime rates, and number of uninsured drivers can influence how much car insurance costs in your state. For example, you’ll likely pay higher premiums for your X3 in a heavily populated city than you would in a more rural town.[6]
The map below shows average monthly premiums for BMW X3 owners by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $111 |
| Arizona | $161 |
| Arkansas | $145 |
| California | $179 |
| Colorado | $172 |
| Connecticut | $282 |
| Delaware | $311 |
| Florida | $231 |
| Georgia | $210 |
| Idaho | $234 |
| Illinois | $95 |
| Indiana | $100 |
| Iowa | $138 |
| Kansas | $118 |
| Kentucky | $130 |
| Louisiana | $183 |
| Maine | $194 |
| Maryland | $143 |
| Massachusetts | $293 |
| Michigan | $127 |
| Minnesota | $223 |
| Mississippi | $157 |
| Missouri | $158 |
| Montana | $129 |
| Nebraska | $125 |
| Nevada | $83 |
| New Hampshire | $112 |
| New Jersey | $130 |
| New Mexico | $88 |
| New York | $206 |
| North Carolina | $120 |
| North Dakota | $248 |
| Ohio | $297 |
| Oklahoma | $110 |
| Oregon | $148 |
| Pennsylvania | $140 |
| Rhode Island | $145 |
| South Carolina | $199 |
| South Dakota | $238 |
| Tennessee | $105 |
| Texas | $120 |
| Utah | $196 |
| Vermont | $149 |
| Virginia | $169 |
| Washington | $115 |
| District of Columbia | $148 |
| West Virginia | $105 |
| Wisconsin | $131 |
| Wyoming | $92 |
Beyond your location, insurance companies will also focus on the risks you pose as a driver. Insurers typically consider driver age when setting premiums, which you can learn more about below.
Auto insurance companies will look at your age when determining your X3 premiums. That’s because research shows a link between driving experience, age, and car accidents.[7]
For example, teens with less experience on the road typically pay higher costs than middle-aged drivers. But as you get older and gain more experience behind the wheel, your rate will typically decrease.
Here’s a look at X3 car insurance costs by age group, according to Compare.com data.
Teens with a BMW X3 pay $399 per month for an auto policy, on average. But the cost of insurance should typically decrease as you enter your 20s and 30s. Your premiums will typically continue to go down each year until you hit age 70, when rates will start to tick back up.[8]
Your driving history is another factor that significantly affects your car insurance costs. Traffic violations on your record — such as speeding, at-fault accidents, and driving under the influence (DUI) — makes you as a high-risk driver. Car insurance companies will often increase your premiums as a result.
The table below outlines the average monthly insurance costs for BMW X3 owners with different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $212 |
| Speeding ticket | $294 |
| At-fault accident | $307 |
| DUI | $349 |
To lock in the best deal on car insurance coverage, try to maintain a clean record. On average, X3 owners with a clean record pay $137 less per month than drivers with a DUI.
Now, let’s discuss how different features on your luxury SUV can affect your rates.
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The features in your BMW X3 can affect how much you pay for auto insurance. That’s because these features can directly influence the safety, theft risk, and repair costs of your SUV. Some vehicle trims boost your X3’s value and cost more to repair or replace, leading to higher premiums.
For instance, the base X3 xDrive30 trim is likely less expensive to insure than more expensive trims. But if you opt for the top-of-the-line X3 M50 xDrive, you’ll likely have higher rates due to the following high-end features:
3.0-liter BMW M TwinPower Turbo engine
M Sport brakes
Variable sport steering
M leather steering wheel
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You can find ways to save money on your coverage regardless of your driving record, age, and other factors. The following tips can help you land a good deal on your X3 auto policy:
Opt for a lower-level trim. If you choose the X3 xDrive30 instead of the X3 M50 xDrive, you’ll have fewer special features, but you’ll likely lower your car insurance costs.
Look for discounts. Most auto insurance companies offer discounts to lower your rates. Look for auto-pay, defensive driver, and bundling discounts.
Increase your deductible. With a higher deductible, you’ll secure cheaper premiums. Just be sure you have the funds to pay for the larger out-of-pocket expenses after filing a claim.
Shop around. Do your research and get car insurance quotes regularly from at least three different insurers. Then, compare rates, coverage options, customer service reviews, and more to find the right plan for your X3.
Find the coverage you need for your BMW X3 at the best price.
Here are answers to several common questions about car insurance coverage for the BMW X3.
Yes. The average car insurance rate for the BMW X3 is $163 per month, which is slightly higher than the average of $149 for all vehicles, according to Compare.com data. Your driving record, preferred coverage level, ZIP code, age, and other factors can all affect what you pay to insure your X3.
Our data shows that Safeco is the cheapest auto insurance company for BMW X3 owners. On average, drivers pay $119 per month for Safeco car insurance. But that doesn’t mean Safeco will be your cheapest choice. Be sure to shop around and compare quotes to find the best deal for your particular situation.
Auto insurance coverage for the 2025 BMW X3 costs $175 per month, on average, according to our data. But your exact premium will depend on factors like your age, driving record, location, coverage level, and discounts.
The BMW Z4 is the cheapest BMW model to insure, with average monthly premiums of $147, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Katie Powers is an insurance and personal finance editor for Compare.com. Katie loves using her extensive writing and editing experience to help readers make more informed decisions with their money. She's also a licensed insurance producer in the state of New York and has seen her work appear in several notable outlets, including the Boston Globe, Insurify, Penguin Random House, and more.
Katie earned a Bachelor of Arts and Master of Arts in writing, literature, and publishing from Emerson College. She has been editing for Compare.com since 2025.
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