BMW X3 insurance costs vary by model year, with 2025 models averaging $249 monthly compared to just $25 for older versions. Newer X3s cost more to insure due to their higher market values.
BMW X3 Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable rates, starting at $62 per month for minimum coverage. Newer models cost more compared to older versions. Read more
The X3 ranks 67th out of 256 SUVs for insurance affordability, placing it in the middle tier for its vehicle type. It ranks 272nd out of 827 total vehicles, putting it in the top third for overall affordability across all car models. Read more
Insurance rates vary by model year and driver age. Read more
How Much Is BMW X3 Insurance?
Looking for another BMW model? Read more about the cost of BMW car insurance models.
Insurance rates depend on model year and insurer. BMW X3 minimum coverage costs range from $62 monthly with GEICO to $126 with UAIC, while full coverage spans $130 monthly with Travelers to higher rates with AIG.
Rate variations exceeding $64 for minimum coverage and $160 for full coverage demonstrate why BMW X3 owners need to shop around. Companies calculate risk differently for each model, affecting your final quote.
| AAA | $97 | $202 |
| AIG | $118 | $290 |
| Allstate | $108 | $208 |
| Amica | $108 | $220 |
| Chubb | $107 | $213 |
| Farmers | $126 | $221 |
| Geico | $62 | $135 |
| Kemper | $81 | $167 |
| Nationwide | $88 | $152 |
| Progressive | $83 | $155 |
| State Farm | $79 | $164 |
| The Hartford | $85 | $144 |
| Travelers | $71 | $130 |
| UAIC | $126 | $157 |
Is BMW X3 Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the BMW X3 ranking 67th for insurance affordability, placing it firmly in the middle tier. It costs a few dollars more per month than a Nissan Pathfinder but runs slightly cheaper than a Subaru Forester, with 66 SUV models offering lower insurance rates. This middle positioning among SUVs tells only part of the affordability story.
While it's average among SUVs, the X3's 272nd ranking out of 827 total vehicles actually puts it in the top third for overall affordability. The Isuzu Amigo claims the cheapest SUV insurance spot, while the Audi SQ8 e-tron commands the highest premiums in the category.
| Subaru Outback | $124 | 64 |
| GMC Terrain | $124 | 65 |
| Nissan Pathfinder | $124 | 66 |
| BMW X3 | $124 | 67 |
| Subaru Forester | $125 | 68 |
| Infiniti EX | $125 | 69 |
| Hyundai Tuscon | $125 | 69 |
| Jeep Wrangler | $126 | 70 |
Several factors affect what you'll pay for BMW X3 insurance:
- Average Repair or Replacement Costs: BMW X3 repair costs average $1,743 annually, making it BMW's 15th most affordable model to maintain out of 30. This relatively moderate maintenance expense helps keep insurance premiums more reasonable compared to other BMW models.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 248 to 503, depending on the trim, with higher performance variants commanding substantially more in premiums. The X3's powerful performance capabilities mean sportier trims cost more to insure due to increased risk factors.
- Driver Profile:Â Most BMW X3 drivers fall between 35 and 50 years old, with a median age of around 42, and their higher income levels lead to lower insurance rates. However, the X3's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of BMW X3s for young drivers.
BMW X3 Insurance Cost by State
BMW X3 minimum coverage costs $166 monthly in Louisiana but only $35 in Wyoming, showing how location affects your rates. These differences stem from your state's risk characteristics and insurance regulations, not the vehicle model itself.
| Alabama | $73 | $139 |
| Alaska | $62 | $132 |
| Arizona | $99 | $185 |
| Arkansas | $69 | $153 |
| California | $81 | $163 |
| Colorado | $83 | $199 |
| Connecticut | $113 | $194 |
| Delaware | $112 | $189 |
| Florida | $100 | $233 |
| Georgia | $120 | $198 |
| Hawaii | $44 | $101 |
| Idaho | $45 | $92 |
| Illinois | $77 | $145 |
| Indiana | $54 | $107 |
| Iowa | $50 | $121 |
| Kansas | $61 | $143 |
| Kentucky | $103 | $176 |
| Louisiana | $166 | $352 |
| Maine | $45 | $93 |
| Maryland | $124 | $210 |
| Massachusetts | $86 | $183 |
| Michigan | $133 | $258 |
| Minnesota | $72 | $152 |
| Mississippi | $75 | $149 |
| Missouri | $104 | $207 |
| Montana | $63 | $152 |
| Nebraska | $62 | $142 |
| Nevada | $138 | $250 |
| New Hampshire | $59 | $106 |
| New Jersey | $134 | $222 |
| New Mexico | $68 | $152 |
| New York | $96 | $173 |
| North Carolina | $68 | $133 |
| North Dakota | $54 | $119 |
| Ohio | $63 | $122 |
| Oklahoma | $78 | $175 |
| Oregon | $95 | $167 |
| Pennsylvania | $75 | $176 |
| Rhode Island | $102 | $183 |
| South Carolina | $83 | $156 |
| South Dakota | $49 | $154 |
| Tennessee | $66 | $133 |
| Texas | $105 | $214 |
| Utah | $87 | $148 |
| Vermont | $41 | $97 |
| Virginia | $80 | $129 |
| Washington | $75 | $139 |
| West Virginia | $76 | $154 |
| Wisconsin | $55 | $122 |
| Wyoming | $35 | $109 |
BMW X3 Costs by Model Year and Insurance Company
Newer BMW X3 models cost more to insure than older ones, with model year and driver age both playing major roles in your premium. A 35- to 55-year-old driver pays around $249 monthly for full coverage on a 2025 BMW X3 compared to just $180 for a 2016 model. Young drivers in their teens and early twenties have even higher rates across all model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW X3
| Geico | $82 | $179 |
| Travelers | $88 | $163 |
| Nationwide | $100 | $173 |
| Progressive | $101 | $188 |
| National General | $102 | $209 |
| State Farm | $105 | $220 |
| Kemper | $114 | $233 |
| The Hartford | $116 | $198 |
| AAA | $133 | $277 |
| Allstate | $145 | $279 |
| Amica | $152 | $313 |
| AIG | $168 | $422 |
| Chubb | $170 | $340 |
| UAIC | $176 | $223 |
| Farmers | $184 | $323 |
Cost of Car Insurance for 2024 BMW X3
| Geico | $71 | $155 |
| Travelers | $76 | $141 |
| Nationwide | $87 | $150 |
| Progressive | $87 | $163 |
| National General | $89 | $182 |
| State Farm | $91 | $191 |
| Kemper | $99 | $202 |
| The Hartford | $101 | $171 |
| AAA | $115 | $240 |
| Allstate | $126 | $242 |
| Amica | $132 | $272 |
| AIG | $146 | $366 |
| Chubb | $147 | $295 |
| UAIC | $153 | $194 |
| Farmers | $159 | $280 |
Cost of Car Insurance for 2023 BMW X3
| Geico | $54 | $119 |
| Travelers | $59 | $108 |
| Nationwide | $66 | $115 |
| Progressive | $67 | $125 |
| National General | $68 | $139 |
| State Farm | $70 | $146 |
| Kemper | $76 | $155 |
| The Hartford | $77 | $131 |
| AAA | $88 | $184 |
| Allstate | $96 | $185 |
| Amica | $101 | $208 |
| AIG | $112 | $280 |
| Chubb | $113 | $226 |
| UAIC | $117 | $148 |
| Farmers | $122 | $214 |
Cost of Car Insurance for 2022 BMW X3
| Geico | $50 | $110 |
| Travelers | $54 | $100 |
| Nationwide | $61 | $106 |
| Progressive | $62 | $116 |
| National General | $63 | $129 |
| State Farm | $65 | $135 |
| Kemper | $70 | $143 |
| The Hartford | $71 | $121 |
| AAA | $82 | $170 |
| Allstate | $89 | $171 |
| Amica | $94 | $192 |
| AIG | $103 | $259 |
| Chubb | $104 | $209 |
| UAIC | $108 | $137 |
| Farmers | $113 | $198 |
Cost of Car Insurance for 2021 BMW X3
| Geico | $41 | $89 |
| Travelers | $44 | $81 |
| Nationwide | $50 | $86 |
| Progressive | $50 | $94 |
| National General | $51 | $105 |
| State Farm | $53 | $110 |
| Kemper | $57 | $117 |
| The Hartford | $58 | $99 |
| AAA | $67 | $138 |
| Allstate | $72 | $139 |
| Amica | $76 | $156 |
| AIG | $84 | $211 |
| Chubb | $85 | $170 |
| UAIC | $88 | $112 |
| Farmers | $92 | $161 |
Cost of Car Insurance for 2020 BMW X3
| National General | $95 | $195 |
| Geico | $97 | $213 |
| Kemper | $101 | $210 |
| The Hartford | $108 | $184 |
| Travelers | $108 | $200 |
| Progressive | $110 | $206 |
| State Farm | $119 | $249 |
| Chubb | $133 | $268 |
| UAIC | $134 | $164 |
| Nationwide | $139 | $243 |
| AAA | $152 | $320 |
| Amica | $157 | $323 |
| Allstate | $158 | $305 |
| AIG | $173 | $428 |
| Farmers | $179 | $316 |
Cost of Car Insurance for 2019 BMW X3
| National General | $83 | $170 |
| Geico | $86 | $189 |
| Travelers | $87 | $161 |
| Kemper | $99 | $205 |
| Progressive | $101 | $191 |
| The Hartford | $105 | $178 |
| State Farm | $105 | $220 |
| Chubb | $119 | $239 |
| Nationwide | $121 | $210 |
| AAA | $126 | $263 |
| Allstate | $130 | $252 |
| UAIC | $132 | $163 |
| Amica | $133 | $274 |
| AIG | $148 | $367 |
| Farmers | $164 | $288 |
Cost of Car Insurance for 2018 BMW X3
| Geico | $86 | $189 |
| National General | $87 | $178 |
| Travelers | $88 | $162 |
| The Hartford | $101 | $173 |
| Progressive | $102 | $192 |
| Kemper | $104 | $217 |
| State Farm | $109 | $228 |
| Chubb | $119 | $241 |
| Nationwide | $120 | $209 |
| Allstate | $124 | $241 |
| AAA | $126 | $263 |
| UAIC | $136 | $169 |
| Amica | $138 | $283 |
| AIG | $151 | $373 |
| Farmers | $157 | $275 |
Cost of Car Insurance for 2017 BMW X3
| National General | $71 | $145 |
| Geico | $76 | $166 |
| Travelers | $81 | $149 |
| The Hartford | $99 | $169 |
| State Farm | $101 | $210 |
| Kemper | $103 | $211 |
| Progressive | $105 | $198 |
| AAA | $107 | $223 |
| Nationwide | $110 | $192 |
| Amica | $110 | $227 |
| Chubb | $111 | $222 |
| Allstate | $115 | $222 |
| AIG | $130 | $321 |
| UAIC | $139 | $174 |
| Farmers | $142 | $252 |
Cost of Car Insurance for 2016 BMW X3
| Geico | $61 | $134 |
| National General | $64 | $130 |
| Travelers | $73 | $134 |
| State Farm | $80 | $168 |
| Kemper | $84 | $174 |
| Progressive | $92 | $172 |
| The Hartford | $92 | $156 |
| AAA | $96 | $199 |
| Nationwide | $98 | $170 |
| Amica | $101 | $206 |
| Chubb | $103 | $204 |
| Allstate | $107 | $207 |
| AIG | $114 | $279 |
| UAIC | $125 | $154 |
| Farmers | $126 | $220 |
BMW X3 Insurance Cost by Trim
BMW X3 insurance costs range from $249 monthly for full coverage on high-performance M50 variants down to $62 for minimum coverage on basic 3.0i Sport Utility 4d models. Performance features and market value drive these significant premium differences between trim levels.
| 3.0i Sport Utility 4d | $62 | $119 |
| Sdrive30i Sa Sport Utility 4d | $68 | $133 |
| 2.5i Sport Utility 4d | $71 | $137 |
| 3.0si Sport Utility 4d | $74 | $141 |
| Xdrive30i Sa Sport Utility 4d | $75 | $146 |
| Sdrive30i Sport Utility 4d | $78 | $153 |
| Sdrive28i Sport Utility 4d | $81 | $156 |
| Xdrive28i Sport Utility 4d | $81 | $157 |
| Xdrive35i Sport Utility 4d | $82 | $158 |
| Xdrive30i Sport Utility 4d | $84 | $164 |
| Sdrive30i | $89 | $174 |
| Xdrive28d Sport Utility 4d | $90 | $175 |
| Sdrive30i Sa | $92 | $179 |
| Xdrive30i | $94 | $184 |
| Xdrive30i Sa | $97 | $189 |
| Xdrive30 | $99 | $193 |
| Xdrive30e Sport Utility 4d | $99 | $195 |
| M40i Sport Utility 4d | $102 | $200 |
| M40i | $119 | $233 |
| M50 | $128 | $249 |
How to Lower the Cost of BMW X3 Insurance
These proven strategies help you find better rates on your BMW X3 insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your BMW X3. If you own your BMW, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs helps you spot good deals and avoid overpaying for coverage.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need them most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. BMW X3 owners often qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device discounts. These reductions can lower your annual premiums when combined together.
- 5Consider alternative car insurance types
BMW X3 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior. Low-mileage drivers see the biggest savings from these programs.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your BMW X3 insurance. Market conditions and your personal profile change, creating new opportunities for savings.
BMW X3 Insurance Cost: Bottom Line
BMW X3 insurance costs are affordable compared to average, and you can still find decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you secure better pricing for your vehicle.
BMW X3 Insurance Rates: FAQ
What is the average cost of car insurance for a BMW X3?
BMW X3 insurance costs average $1,014 annually for state minimum coverage and $1,973 for full coverage. These rates translate to monthly premiums of $85 and $164 respectively.
What company has the cheapest car insurance for a BMW X3?
Geico provides the most affordable minimum coverage for a BMW X3 at $744 annually. For full coverage, Travelers offers the best value at $1,563 per year.
Are BMW X3s expensive to insure?
No, BMW X3 insurance is not more expensive than most vehicles. Among SUVs, this model places 67th out of 256 for affordability, while ranking 272nd out of 827 across all vehicle types we track.
What factors affect insurance costs for BMW X3s?
Various elements affect BMW X3 insurance premiums beyond just the vehicle itself. Luxury parts and repair costs push rates higher than average economy cars. Your driving record and credit score, plus the coverage you pick, play a big role in determining your final premium.
How can I lower BMW X3 insurance costs?
Compare quotes from multiple insurers since BMW X3 pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance, and maintain a clean driving record to secure better rates.
How We Determined BMW X3 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate BMW X3 insurance costs.
Who We Based These Rates On
These BMW X3 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.