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
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.
GEICO charges $62 a month for BMW X3 minimum coverage; UAIC charges $126. Full coverage starts at $130 with Travelers, with AIG at the higher end.
| 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?
The BMW X3 ranks 67th for affordability among 256 SUVs in MoneyGeek's database. It costs a few dollars more a month than a Nissan Pathfinder and a few dollars less than a Subaru Forester.
Across all 827 models in the database, the X3 ranks 272nd, putting it in the top third for overall affordability. The Isuzu Amigo is the cheapest SUV to insure and the Audi SQ8 e-tron is the most expensive.
| 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 costs. The BMW X3 averages $1,743 a year in repair costs, 15th lowest among BMW's 30 models.
- Trim, features and accessories. The X3's power output ranges from 248 to 503 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. X3 drivers tend to fall between ages 35 and 50, with a median around 42, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. 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 strategies help you find better rates on your BMW X3 insurance:
- 1Choose the right coverage
Coverage needs depend on how you own the X3. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance. If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for luxury SUVs give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for X3 drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
BMW X3 owners commonly qualify for safety feature discounts, good driver credits, policy bundling savings and anti-theft device discounts. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. X3 drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
BMW X3 Insurance Cost: Bottom Line
The BMW X3 costs less to insure than most luxury SUVs. Compare quotes from at least three insurers and stack available discounts to find your lowest rate.
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?
The X3's $1,743 average annual repair cost is the primary vehicle-level driver of its premium. Luxury parts are expensive to source and replace. Driving record, credit score and coverage level move the final figure from there.
How can I lower BMW X3 insurance costs?
Start with quotes from at least three insurers because there's a $160 full coverage gap for X3s. Stack every discount you qualify for: good driver, anti-theft and bundling home or renters insurance are the highest-value options. Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined BMW X3 Insurance Costs
BMW X3 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!