BMW X3 insurance costs average $85 monthly for minimum coverage and $164 per month for full coverage. Depending on your particular trim and model year, costs can range from $25 to $284 for BMW X3 monthly.
BMW X3 Insurance Cost
Updated: September 24, 2025
Key Takeaways
BMW X3 insurance costs range from $25 to $284 monthly depending on your specific model year and trim level.
The BMW X3 ranks 272nd out of 827 vehicles for insurance affordability in the United States vehicle market.
Travelers offers the most affordable BMW X3 full coverage at $130 monthly, while minimum coverage starts at $62 per month.
How Much Is BMW X3 Insurance?
| BMW X3 | $85 | $164 |
BMW X3 Insurance Cost by Model Year
Your BMW X3's model year and available trim options directly impact insurance rates, with newer models costing more due to higher fair market value. Monthly premiums for BMW X3 coverage span from $25 for older models to $245 for recent years.
| 2025 | $113 | $221 |
| 2024 | $98 | $192 |
| 2023 | $75 | $147 |
| 2022 | $70 | $136 |
| 2021 | $57 | $111 |
| 2020 | $125 | $245 |
| 2019 | $109 | $213 |
| 2018 | $107 | $209 |
| 2017 | $98 | $192 |
| 2016 | $86 | $166 |
| 2015 | $78 | $151 |
| 2014 | $83 | $161 |
| 2013 | $70 | $134 |
| 2012 | $77 | $150 |
| 2011 | $70 | $136 |
| 2010 | $82 | $158 |
| 2009 | $25 | $47 |
| 2008 | $76 | $145 |
| 2007 | $72 | $138 |
| 2006 | $68 | $132 |
| 2005 | $67 | $129 |
| 2004 | $71 | $137 |
BMW X3 Insurance Cost by Trim
Your BMW X3 trim affects insurance rates based on features, performance capabilities and replacement costs. Monthly premiums range from $62 for basic trims to $249 for high-performance models like the M50, according to our analysis.
| 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 |
Compare Personalized BMW X3 Insurance Costs
We've broken down BMW X3 insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2004
Select
Trim:2.5i Sport Utility 4d
| 2.5i Sport Utility 4d | $71 | $137 |
BMW X3 Insurance Cost by Company
BMW X3 insurance costs vary by provider from $99 to $204 monthly. Minimum coverage ranges from $62 to $126, while full coverage costs $130 to $290. Rates vary due to different risk assessment models.
| 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 |
BMW X3 Insurance Cost by State
BMW X3 insurance costs vary dramatically by state, ranging from $72 monthly in Wyoming to $259 monthly in Louisiana.
| 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 Insurance Cost by Driver Profile
Your age and driving history dramatically influence BMW X3 insurance costs. Young drivers under 25 face the steepest rates at $415 monthly, while adult drivers aged 26-64 with clean records enjoy the most affordable coverage at just $85 per month.
| Adult Drivers | $85 | $164 |
| Young Drivers | $215 | $415 |
| Senior Drivers | $113 | $208 |
| Drivers With a Speeding Ticket | $105 | $207 |
| Drivers With an Accident | $125 | $241 |
| Drivers With a DUI | $157 | $301 |
| Drivers With Bad Credit | $203 | $410 |
Is a BMW X3 Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW X3 ranks 272nd out of 827, placing it on the more affordable side. Among compact luxury SUVs, the model ranks just above average for insurance costs.
| Land Rover Freelander | $74 | $143 |
| Land Rover LR2 | $79 | $152 |
| BMW X3 | $85 | $164 |
| Infiniti EX | $85 | $165 |
| Mercedes GLK-Class | $87 | $169 |
| Audi Q5 | $89 | $173 |
| Infiniti QX50 | $92 | $179 |
| Cadillac XT4 | $95 | $184 |
| Bmw X1 | $96 | $188 |
| Lincoln MKC | $97 | $188 |
| Cadillac Optiq | $98 | $192 |
| Mercedes GLB | $99 | $193 |
| Audi SQ5 | $102 | $198 |
| Buick Envision | $106 | $206 |
| Cadillac XT5 | $109 | $211 |
| Jaguar F-Pace | $119 | $232 |
| Porsche Macan | $128 | $251 |
| Audi Q4 e-tron | $212 | $418 |
Factors That Affect BMW Car Insurance Costs
Multiple variables affect what you'll pay for BMW X3 insurance coverage:
- Age (mature demographic): X3 buyers average 60 years old with established driving experience, older than overall BMW buyers (56), representing more conservative, family-focused driving patterns.
- Gender (slightly male-skewed): BMW SUVs attract 60% male, 40% female buyers - more balanced than sports models, reflecting family purchase decisions.
- Income ($170,089 median): Higher than segment average ($157,767), indicating affluent families who can afford comprehensive coverage and prioritize safety.
- Family Profile: Only 26% of BMW SUV buyers have children at home, suggesting empty nesters and established professionals with conservative driving habits and lower risk profiles.
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423. BMW X3 repair costs average $1,743 annually, placing it around average for BMW's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The X3 offers moderate performance that balances family utility with BMW driving dynamics. The current lineup features 255 to 393 horsepower engines (30 xDrive and M50 variants), with 0 to 60 mph times ranging from 4.4 to 6 seconds.
Advanced safety features like active blind spot detection and standard AWD help mitigate insurance risk. The SUV body style and family-oriented positioning generally lower insurance premiums than BMW's sports cars and coupes.
Fuel Type
The X3's gasoline engines with 48V mild-hybrid technology provide reasonable fuel efficiency for a luxury SUV while maintaining performance. The sophisticated engine management system requires premium gasoline and specialized BMW service procedures.
Unlike BMW's high-performance M models, the X3's more moderate power output and family-focused design result in less aggressive driving patterns and reduced performance-related maintenance costs that insurance companies factor into comprehensive coverage.
Location
X3 ownership concentrates in affluent suburban areas where families value luxury, safety, and practicality. Key markets include wealthy suburbs across California, Northeast regions, and areas with established BMW dealer networks.
The X3's assembly in South Carolina helps with parts availability domestically. These affluent locations typically have higher insurance costs due to elevated accident repair expenses.
Driver Profile
The BMW X3 attracts affluent families and professionals with demographic characteristics that create relatively moderate insurance risk profiles:
Cheapest BMW X3 Insurance Companies
BMW X3 drivers can find affordable full coverage car insurance through Travelers, which offers average monthly premiums of $130. For those seeking minimum coverage, GEICO provides the cheapest option at $62 monthly. These rates show significant savings opportunities for X3 owners who compare quotes from multiple insurers.
| GEICO | $62 | $135 |
| Travelers | $71 | $130 |
| The Hartford | $85 | $144 |
| Progressive | $83 | $155 |
| Nationwide | $88 | $152 |
Cheapest BMW X3 Insurance by State
We found that these are the top three cheapest car insurance providers for a BMW X3:
- Travelers: Wins for affordability in 11 states
- GEICO: Wins for affordability in 10 states
- Auto-Owners: Wins for affordability in seven states
You can filter below to see who offers the most affordable auto insurance rates for your BMW X3.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Travelers | $59 |
How to Get the Best Cheap BMW X3 Insurance
Below, we break down available car insurance discounts for your BMW X3:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your BMW X3, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that BMW X3 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): X3 owners often have multiple vehicles since the compact luxury SUV serves as a family vehicle alongside other cars. Multiple vehicles in the household qualify for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (10% to 25% savings): With X3 prices starting at $49,950 (30 xDrive) and reaching $64,700 (M50 xDrive), buyers typically have stable finances and homeownership, making them ideal candidates for bundling auto and home insurance for substantial savings.
- Safety Features/Advanced Safety Discount (5% to 15% savings): The X3 comes standard with Active Blind Spot Detection, Lane Departure Warning, Frontal Collision Warning with City Collision Mitigation, and Active Driving Assistant. These advanced safety technologies can unlock discounts while reducing accident risk.
- Good Driver/Safe Driver Discount (5% to 30% savings): X3 buyers are typically mature professionals and families who value safety and responsibility. Clean driving records are common among luxury SUV owners and qualify for substantial good driver discounts.
- Low-Mileage Discount (5% to 15% savings): Many X3 owners use their SUVs for family activities and weekend trips rather than long daily commutes. Lower annual mileage (under 10,000 miles) can earn discounts, especially with telematics programs that track driving habits.
- 5
Consider alternative car insurance types
BMW X3 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW X3 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW X3 Insurance Cost: Bottom Line
Insuring a BMW X3 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW X3 Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW X3.
What is the average cost of car insurance for a BMW X3?
The BMW X3's average annual insurance cost is $1,014 for minimum coverage and $1,973 for full coverage.
What company has the cheapest car insurance for a BMW X3?
BMW X3 drivers can find affordable full coverage car insurance through Travelers, which offers average monthly premiums of $130. For those seeking minimum coverage, GEICO provides the cheapest option at $62 monthly. These rates show significant savings opportunities for X3 owners who compare quotes from multiple insurers.
Are BMW X3s expensive to insure?
BMW X3 insurance costs less than most cars. Out of 827 vehicles we track, the X3 ranks 272nd for affordability. Among compact luxury SUVs, this model sits around the average, towards the more expensive side.
What factors affect insurance costs for BMW X3s?
Several things drive up your BMW X3 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer BMW-certified repair shops cost more.
How can I lower BMW X3 insurance costs?
Shop around with multiple insurers as rates vary for BMWs, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW X3 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW X3 insurance costs.
Who We Based These Rates On
These BMW X3 prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.