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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
BMW X3 car insurance costs around $171 per month.
USAA offers the cheapest BMW X3 insurance, averaging just $94 per month.
Drivers typically pay more to insure an X3 because it’s a luxury SUV with expensive parts and components compared to standard SUVs.
The type of car insurance you choose will play a major role in your car insurance rates. Liability insurance, which includes bodily injury and property damage liability, is the cheapest option but only covers 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 coverage and full coverage for the BMW X3. See how these rates compare to the national average car insurance rates for all vehicles.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| BMW X3 | $115 | $227 | $171 |
| All vehicles | $116 | $216 | $166 |
BMW X3 drivers pay an average of $115 per month for liability coverage and $227 per month 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 |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $145 |
| CSAA | $158 |
| Nationwide | $171 |
| Progressive | $175 |
| Travelers | $178 |
| Farmers | $202 |
| 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 |
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[1]
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
| User Reviews | 3.9 |
|---|---|
| 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. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers BMW X3 drivers multiple ways to save, including through discounts and its two telematics programs. The company has a straightforward claims process, consistently high satisfaction scores, and a highly rated mobile app.
Most drivers also have access to an extensive network of agents, though new auto policies aren’t currently available in Massachusetts and Rhode Island.
Large network of local agents
Many available discounts
Ranks high for claims satisfaction[2]
Accident forgiveness not available
Discounts vary by state
More expensive for high-risk drivers
| User Reviews | 3.6 |
|---|---|
| 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 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate may be a good option for BMW X3 drivers who want flexibility and the ability to customize their auto insurance. The insurer offers a wide selection of coverage options, including rideshare insurance, extended warranty protection, and rental reimbursement.
Safe drivers can earn savings through Allstate’s Drivewise program, while low-mileage drivers can save through its Milewise pay-per-mile insurance. That said, Allstate’s poor customer ratings may be a drawback for some drivers.
Compare quotes and save in seconds.
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 |
|---|---|
| 2026 | $205 |
| 2025 | $207 |
| 2024 | $207 |
| 2023 | $206 |
| 2022 | $206 |
| 2021 | $199 |
| 2020 | $190 |
| 2019 | $186 |
| 2018 | $179 |
| 2017 | $176 |
| 2016 | $171 |
| 2015 | $167 |
| 2014 | $165 |
| 2013 | $156 |
| 2012 | $152 |
| 2011 | $148 |
| 2010 | $146 |
| 2009 | $140 |
| 2008 | $139 |
| 2007 | $136 |
| 2006 | $135 |
| 2005 | $131 |
| 2004 | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $124 |
| Allstate | $158 |
| American Family | $169 |
| GEICO | $174 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $120 |
| Allstate | $154 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $114 |
| Allstate | $147 |
| American Family | $157 |
| GEICO | $161 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $112 |
| Allstate | $144 |
| American Family | $153 |
| GEICO | $158 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $148 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $97 |
| State Farm | $106 |
| Allstate | $136 |
| American Family | $145 |
| GEICO | $149 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $145 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $138 |
| GEICO | $142 |
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.[5]
The map below shows average monthly premiums for BMW X3 owners by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $141 |
| Arizona | $150 |
| Arkansas | $162 |
| California | $184 |
| Colorado | $184 |
| Connecticut | $255 |
| Delaware | $213 |
| Florida | $199 |
| Georgia | $228 |
| Hawaii | $113 |
| Idaho | $94 |
| Illinois | $142 |
| Indiana | $117 |
| Iowa | $96 |
| Kansas | $133 |
| Kentucky | $177 |
| Louisiana | $191 |
| Maine | $125 |
| Maryland | $271 |
| Massachusetts | $135 |
| Michigan | $206 |
| Minnesota | $156 |
| Mississippi | $135 |
| Missouri | $162 |
| Montana | $133 |
| Nebraska | $129 |
| Nevada | $226 |
| New Hampshire | $79 |
| New Jersey | $241 |
| New Mexico | $130 |
| New York | $197 |
| North Carolina | $79 |
| North Dakota | $104 |
| Ohio | $111 |
| Oklahoma | $153 |
| Oregon | $136 |
| Pennsylvania | $144 |
| Rhode Island | $197 |
| South Carolina | $219 |
| South Dakota | $123 |
| Tennessee | $127 |
| Texas | $196 |
| Utah | $134 |
| Vermont | $128 |
| Virginia | $160 |
| Washington | $152 |
| Washington D.C. | $281 |
| West Virginia | $132 |
| Wisconsin | $108 |
| Wyoming | $101 |
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.[6]
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.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $328 |
| Adults | $171 |
| Seniors | $147 |
Teens with a BMW X3 pay $328 per month for an auto policy, on average. But the cost of car 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.7
Teens and drivers under 25 usually pay the highest rates for BMW X3 insurance because they’re statistically more likely to get into a crash. Although young drivers aged 15 and 20 make up only about 5% of licensed drivers, they account for 12% of drivers in all crashes and nearly 9% in fatal accidents.[7]
Some insurers weigh age more heavily than others, so comparing companies can help lower costs. Here’s a look at the cheapest insurers for X3 drivers younger than 25, according to our data.
Seniors often pay less to insure a BMW X3 because older drivers tend to get into fewer accidents than younger age groups. Many insurers offer senior-specific discounts for mature drivers, especially those with a clean driving record. Comparing companies can also help you get the lowest possible premium.
The table below shows the cheapest insurance companies for senior X3 drivers, according to our data.
Your driving record is one of the primary factors insurers use to determine your insurance premium. That’s because accidents, tickets, and driving under the influence (DUI) are signs you’re more likely to file a claim and cost the company money. For example, the average rate increase after a speeding ticket is 34%, while a DUI conviction can raise rates by roughly 68%.
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 | $171 |
| Speeding ticket | $229 |
| At-fault accident | $245 |
| DUI | $287 |
You’ll likely see your BMW X3 insurance rates go up after a speeding ticket, since it’s a sign of higher crash risk. More serious violations, such as excessive speeding, can lead to larger rate hikes because they increase both the likelihood and severity of a crash.[8]
That said, how insurers classify violations and weigh speeding tickets varies by company. Comparing quotes from several insurers can lead to more affordable premiums. The table below shows which companies offer the cheapest BMW X3 insurance for drivers with a speeding ticket, according to Compare.com data.
Any claim you file can raise your BMW X3 insurance costs, but if you cause the accident, you’ll probably pay even higher rates. Premium increases usually stay on your policy for several years after the rate change.
But insurance pricing varies by company, so shopping around for coverage can help reduce your rates after an at-fault accident. Here are five insurers with the cheapest rates for X3 drivers with an at-fault accident on their record, according to our data.
Drivers with a DUI conviction face the highest rate increases of any driving infraction because it greatly increases the risk of a serious crash. Drunk driving kills one person every 42 minutes in the U.S., or around 34 people per day.[9]
Some insurers specialize in insurance for high-risk drivers, so it’s worth comparing quotes to see if you can get a cheaper rate. Check out the table below for the cheapest insurers for BMW X3 drivers with a DUI conviction, according to Compare.com data.
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The price you pay to insure a BMW X3 depends on the features and options available on your vehicle. Below are key factors insurers consider:
Luxury classification: As a compact luxury SUV, the X3 typically costs more to insure than a standard SUV.
Vehicle value and replacement cost: A 2026 BMW X3 starts at $52,075 and includes luxury components and expensive parts, which raises the cost to replace or repair it after a crash, as well as your insurance rates.
Trim level: The 2026 X3 M50 is priced at $67,075 and features a larger engine and towing capacity. If you buy the more expensive trim, you’ll pay higher insurance premiums.
Safety features and ratings: Standard safety features and above-average crash test ratings help lower X3 insurance costs.
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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 $171 per month, which is slightly higher than the average of $166 per month 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 $94 per month for USAA car insurance. But not all drivers qualify for USAA coverage. Be sure to shop around and compare quotes to find the best deal for your particular situation.
Auto insurance coverage for the 2026 BMW X3 costs $205 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 $139, 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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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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