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Compare the Cost of BMW X3 Insurance by Model Year and Company


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Updated: Nov 8, 2023
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Insurance rates for a BMW X3 vary depending on the driver's age and the car's model year. For example, insuring a 16-year-old driving a 2009 model costs $6,187, while insuring a 40-year old costs $1,331. Insurance for a 2022 model costs $7,712 for a 16-year-old and $1,702 for a 40-year old driver. MoneyGeek has identified the best insurers that balance affordability, service and claims experience.

MoneyGeek Logo IconCar Insurance CostsBMW X3
2023

Table of Contents

Average Cost and Cheapest Companies for Insuring a BMW X3

BMW X3 insurance costs an average of $1,535 annually, but the provider you choose can significantly impact your premiums. For full coverage, State Farm is the cheapest option at $1,206 per year, while Farmers is the most expensive at $1,833 per year.

State Farm is the cheapest provider for minimum coverage at $471 per year, while Farmers is the most expensive at $778 per year. Since prices can vary based on factors like driver age, location and driving history, always compare rates from multiple providers to find the best deal.

Company
Average Annual Premium

State Farm

$435

State Farm

$437

State Farm

$448

State Farm

$460

State Farm

$460

State Farm

$469

State Farm

$469

State Farm

$471

State Farm

$475

State Farm

$489

State Farm

$500

State Farm

$509

State Farm

$510

GEICO

$521

GEICO

$523

State Farm

$526

GEICO

$527

GEICO

$527

GEICO

$530

GEICO

$531

Travelers

$534

GEICO

$537

GEICO

$537

Travelers

$539

GEICO

$549

State Farm

$551

GEICO

$555

Travelers

$558

Travelers

$561

GEICO

$562

Nationwide

$562

Nationwide

$562

State Farm

$565

Travelers

$567

Travelers

$571

Nationwide

$578

GEICO

$590

GEICO

$594

Travelers

$594

Travelers

$596

Nationwide

$597

Travelers

$599

Travelers

$601

Travelers

$602

Progressive

$604

GEICO

$607

Travelers

$607

State Farm

$607

Progressive

$608

Nationwide

$612

Travelers

$614

State Farm

$619

Travelers

$625

Progressive

$628

Nationwide

$628

Progressive

$637

Nationwide

$642

GEICO

$653

Nationwide

$654

GEICO

$656

Nationwide

$657

Progressive

$659

Allstate

$660

State Farm

$661

Travelers

$665

Nationwide

$667

State Farm

$668

Allstate

$669

Allstate

$673

Travelers

$678

Progressive

$680

Allstate

$684

GEICO

$685

Nationwide

$689

Allstate

$689

Allstate

$689

Allstate

$691

Allstate

$694

Progressive

$697

Farmers

$698

GEICO

$699

GEICO

$699

Nationwide

$700

Progressive

$701

GEICO

$704

Progressive

$709

Allstate

$710

Allstate

$712

Allstate

$712

Farmers

$712

Travelers

$718

Allstate

$725

Nationwide

$725

Nationwide

$731

Allstate

$732

Allstate

$733

State Farm

$741

Travelers

$744

Farmers

$751

GEICO

$753

Progressive

$759

Progressive

$760

Nationwide

$762

Travelers

$764

Progressive

$764

Progressive

$767

Farmers

$769

Progressive

$769

Farmers

$778

Farmers

$781

Allstate

$792

Allstate

$804

Progressive

$806

State Farm

$807

GEICO

$809

Travelers

$817

Nationwide

$820

Farmers

$821

Travelers

$827

Farmers

$836

Nationwide

$848

Farmers

$849

Allstate

$849

Nationwide

$857

Farmers

$860

Farmers

$872

Farmers

$888

Progressive

$892

Nationwide

$893

Farmers

$893

Allstate

$893

Travelers

$899

Allstate

$905

Nationwide

$908

Progressive

$914

Progressive

$915

Progressive

$915

Farmers

$917

State Farm

$934

Allstate

$974

Progressive

$978

Travelers

$981

Nationwide

$999

Farmers

$1,004

Farmers

$1,026

State Farm

$1,051

Farmers

$1,055

Allstate

$1,065

GEICO

$1,074

State Farm

$1,093

Nationwide

$1,100

Progressive

$1,104

State Farm

$1,105

Farmers

$1,109

Farmers

$1,110

Allstate

$1,113

Travelers

$1,116

State Farm

$1,134

State Farm

$1,142

State Farm

$1,173

State Farm

$1,195

Farmers

$1,196

State Farm

$1,206

GEICO

$1,206

GEICO

$1,206

Farmers

$1,208

GEICO

$1,209

GEICO

$1,211

State Farm

$1,212

Allstate

$1,215

Progressive

$1,217

GEICO

$1,223

Nationwide

$1,228

State Farm

$1,240

State Farm

$1,241

Nationwide

$1,243

State Farm

$1,246

Travelers

$1,249

GEICO

$1,255

Travelers

$1,255

Nationwide

$1,260

GEICO

$1,265

Travelers

$1,273

GEICO

$1,276

Farmers

$1,282

Nationwide

$1,289

State Farm

$1,293

GEICO

$1,298

GEICO

$1,310

Travelers

$1,324

State Farm

$1,325

GEICO

$1,333

GEICO

$1,347

State Farm

$1,351

Travelers

$1,353

State Farm

$1,356

Travelers

$1,359

Nationwide

$1,361

GEICO

$1,362

Nationwide

$1,362

Travelers

$1,368

State Farm

$1,383

State Farm

$1,404

Allstate

$1,407

Nationwide

$1,409

GEICO

$1,412

Progressive

$1,417

Progressive

$1,422

Travelers

$1,424

Travelers

$1,442

GEICO

$1,444

State Farm

$1,444

Nationwide

$1,448

Progressive

$1,465

GEICO

$1,471

Travelers

$1,472

State Farm

$1,474

Nationwide

$1,479

Travelers

$1,486

Nationwide

$1,495

Travelers

$1,498

Nationwide

$1,503

Travelers

$1,504

Progressive

$1,506

Travelers

$1,513

Travelers

$1,533

GEICO

$1,536

GEICO

$1,536

Progressive

$1,545

Nationwide

$1,547

GEICO

$1,547

Nationwide

$1,560

Travelers

$1,573

Allstate

$1,575

State Farm

$1,575

Allstate

$1,576

Nationwide

$1,577

GEICO

$1,595

State Farm

$1,595

State Farm

$1,608

Progressive

$1,609

Allstate

$1,615

Allstate

$1,617

Progressive

$1,617

Nationwide

$1,627

Farmers

$1,645

Allstate

$1,656

Farmers

$1,659

Nationwide

$1,670

Progressive

$1,670

Nationwide

$1,676

Allstate

$1,678

GEICO

$1,683

GEICO

$1,693

Allstate

$1,699

Travelers

$1,708

Allstate

$1,711

State Farm

$1,731

Farmers

$1,735

Travelers

$1,740

Travelers

$1,743

Allstate

$1,745

Nationwide

$1,747

Progressive

$1,748

Progressive

$1,762

Farmers

$1,785

Nationwide

$1,789

Allstate

$1,807

Farmers

$1,815

Progressive

$1,816

Allstate

$1,832

Farmers

$1,833

Nationwide

$1,835

Progressive

$1,842

Allstate

$1,845

Travelers

$1,846

Farmers

$1,848

Farmers

$1,854

Travelers

$1,869

GEICO

$1,869

Allstate

$1,885

Nationwide

$1,891

Allstate

$1,892

Allstate

$1,903

State Farm

$1,909

Farmers

$1,911

Farmers

$1,955

Farmers

$1,957

Progressive

$1,958

Travelers

$1,961

Progressive

$1,962

Progressive

$1,976

Progressive

$1,978

Progressive

$1,981

Allstate

$2,008

Nationwide

$2,008

GEICO

$2,019

Farmers

$2,030

GEICO

$2,033

Progressive

$2,043

Progressive

$2,046

Progressive

$2,046

Travelers

$2,047

Farmers

$2,055

State Farm

$2,071

Allstate

$2,083

Farmers

$2,083

Travelers

$2,113

Farmers

$2,120

Allstate

$2,144

Farmers

$2,146

Nationwide

$2,170

Farmers

$2,182

Allstate

$2,257

Progressive

$2,291

Nationwide

$2,317

Allstate

$2,334

Travelers

$2,337

Nationwide

$2,339

State Farm

$2,370

Farmers

$2,372

Farmers

$2,374

Allstate

$2,412

Farmers

$2,425

Allstate

$2,427

Nationwide

$2,479

Progressive

$2,502

Farmers

$2,524

Farmers

$2,537

Travelers

$2,588

GEICO

$2,590

GEICO

$2,628

Allstate

$2,630

State Farm

$2,644

Allstate

$2,683

Farmers

$2,694

Farmers

$2,700

Nationwide

$2,726

Progressive

$2,805

Travelers

$2,886

GEICO

$2,897

Farmers

$2,973

State Farm

$3,094

Progressive

$3,137

Progressive

$3,142

Farmers

$3,185

Allstate

$3,271

Nationwide

$3,280

Allstate

$3,398

State Farm

$3,454

Travelers

$3,635

Allstate

$3,646

Nationwide

$3,736

Progressive

$3,760

Farmers

$3,803

Progressive

$3,844

State Farm

$3,892

GEICO

$3,937

Progressive

$3,982

Farmers

$4,040

Travelers

$4,333

Farmers

$4,376

Progressive

$4,454

GEICO

$4,689

Nationwide

$4,768

Nationwide

$5,151

Allstate

$5,152

Nationwide

$5,643

Travelers

$5,644

GEICO

$6,011

Allstate

$6,263

Farmers

$6,312

Farmers

$6,723

Allstate

$7,653

Progressive

$8,016

Farmers

$9,279

Progressive

$9,307

Progressive

$9,581

Is a BMW X3 Expensive to Insure?

Insurers consider many factors when determining car insurance premiums for a BMW X3. This model series is expensive to insure because the National Highway Traffic Safety Administration (NHTSA) reports it is stolen more often than the average rate. A BMW X3 is a high-value car with an MSRP of $44,695. In addition, sports cars are also more expensive to insure because drivers tend to engage in risky behavior.

Best Companies for Insuring a BMW X3

When shopping for BMW X3 insurance, cost is only one factor to consider. The best car insurance companies also provide excellent customer service and claims experience.

Based on MoneyGeek's rating, State Farm and GEICO are the top-rated insurers for the BMW X3.

  • State Farm: MoneyGeek score of 90 out of 100 ($1,206 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,265 per year)

While State Farm scored the highest in customer satisfaction, GEICO performed slightly better in claims experience. However, both insurers received the same rating for coverages offered.

MoneyGeek Top Pick: State Farm

State Farm

pros

Has the lowest premium

Good customer satisfaction rating

Roadside assistance coverage

cons

Limited add-on coverage options

Below-average claims handling score

COMPANY HIGHLIGHTS

State Farm is the best car insurance provider for a BMW X3, offering the lowest premium and the second-highest customer satisfaction score. It offers rental car and/or travel reimbursement and roadside assistance as add-ons.

State Farm offers rental car and travel reimbursement, which covers car rental expenses up to certain limits, travel expenses and repayment of up to $500 of the deductible if you cause an accident in your rental car. Additionally, the company provides roadside assistance, which pays for mechanical labor for up to one hour, towing, delivery of gas, oil, battery or change of tire and locksmith labor for up to one hour to unlock a covered car.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

Second most affordable premium

Good customer satisfaction rating

cons

Limited add-on coverage options

Below-average claims experience rating

COMPANY HIGHLIGHTS

GEICO is a popular car insurance provider that offers comprehensive coverage options for BMW X3 drivers. While its add-on options are limited, it provides coverages most drivers will find useful. The company offers rental car and travel reimbursement coverage, which pays for a rental car if your vehicle is unusable due to a covered accident.

GEICO’s mechanical breakdown insurance (MBI) offers coverage for all parts and systems at a more affordable cost than most dealer-extended warranties. It's available for new or leased cars under 15 months old and with less than 15,000 miles.

The company offers accident forgiveness coverage, which policyholders can purchase or earn if they are 21 and have not had an accident in the past five years. This coverage prevents your rate from increasing after your first at-fault accident. However, it is not available in Massachusetts, California and Connecticut.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a BMW X3 by Model Year

Insurance rates for a 2022 BMW X3 are around $1,702 per year, while insuring a 2009 model costs $1,331 annually. Newer model years are typically more expensive due to higher values and repair costs.

Model Year
Average Annual Premium

2022

$609

2022

$1,702

2021

$608

2021

$1,658

2020

$583

2020

$1,611

2019

$613

2019

$1,618

2018

$615

2018

$1,597

2017

$598

2017

$1,529

2016

$635

2016

$1,514

2015

$646

2015

$1,473

2014

$607

2014

$1,408

2013

$625

2013

$1,398

2012

$615

2012

$1,360

2011

$599

2011

$1,324

2010

$636

2010

$1,341

2009

$646

2009

$1,331

Average car insurance rates vary depending on the model year and the insurance company. State Farm provides the most affordable full coverage rates for the BMW X3 2009 and 2022 models, at $1,056 and $1,361 per year, respectively.

Company
Average Annual Premium

State Farm

$399

State Farm

$405

State Farm

$410

State Farm

$412

State Farm

$413

State Farm

$415

State Farm

$416

State Farm

$420

State Farm

$424

State Farm

$427

State Farm

$427

State Farm

$427

Travelers

$428

GEICO

$432

State Farm

$436

GEICO

$441

GEICO

$441

State Farm

$446

Travelers

$449

GEICO

$457

GEICO

$465

GEICO

$467

Nationwide

$468

Travelers

$472

Nationwide

$473

Travelers

$478

Travelers

$482

Travelers

$485

GEICO

$486

Travelers

$488

GEICO

$491

Travelers

$491

GEICO

$494

GEICO

$497

GEICO

$498

Nationwide

$500

GEICO

$503

GEICO

$504

Nationwide

$504

Travelers

$505

Nationwide

$511

GEICO

$511

Nationwide

$517

Travelers

$522

Nationwide

$522

Nationwide

$525

Nationwide

$527

Nationwide

$532

Travelers

$537

Nationwide

$541

Nationwide

$549

Nationwide

$550

Progressive

$554

Travelers

$562

Travelers

$572

Nationwide

$572

Progressive

$575

Progressive

$579

Progressive

$579

Progressive

$583

Progressive

$591

Travelers

$598

Progressive

$605

Allstate

$607

Progressive

$613

Progressive

$617

Allstate

$619

Progressive

$621

Progressive

$621

Allstate

$622

Allstate

$623

Progressive

$628

Allstate

$628

Allstate

$631

Progressive

$634

Allstate

$634

Allstate

$637

Allstate

$637

Allstate

$638

Progressive

$644

Allstate

$645

Allstate

$652

Allstate

$657

Allstate

$657

Farmers

$660

Farmers

$662

Farmers

$663

Farmers

$672

Farmers

$689

Farmers

$689

Farmers

$689

Farmers

$710

Farmers

$710

Farmers

$711

Farmers

$715

Farmers

$722

Farmers

$727

Farmers

$741

State Farm

$1,056

State Farm

$1,069

State Farm

$1,070

GEICO

$1,086

State Farm

$1,096

GEICO

$1,114

State Farm

$1,121

GEICO

$1,130

State Farm

$1,134

State Farm

$1,173

GEICO

$1,175

Travelers

$1,201

GEICO

$1,212

State Farm

$1,212

Travelers

$1,235

GEICO

$1,236

State Farm

$1,238

Travelers

$1,273

Travelers

$1,284

Travelers

$1,288

GEICO

$1,291

State Farm

$1,291

Nationwide

$1,307

GEICO

$1,307

Nationwide

$1,310

GEICO

$1,311

Nationwide

$1,313

Nationwide

$1,314

Travelers

$1,321

State Farm

$1,325

Nationwide

$1,336

State Farm

$1,344

GEICO

$1,345

GEICO

$1,351

GEICO

$1,355

Nationwide

$1,359

State Farm

$1,361

Allstate

$1,364

Travelers

$1,365

Nationwide

$1,377

Allstate

$1,380

Nationwide

$1,380

GEICO

$1,380

Allstate

$1,389

State Farm

$1,391

Allstate

$1,394

Travelers

$1,395

Travelers

$1,397

Nationwide

$1,399

Travelers

$1,406

GEICO

$1,419

Travelers

$1,445

Travelers

$1,445

Allstate

$1,452

Travelers

$1,457

Nationwide

$1,460

Nationwide

$1,472

Allstate

$1,493

Nationwide

$1,540

Nationwide

$1,544

Allstate

$1,577

Progressive

$1,577

Progressive

$1,582

Farmers

$1,597

Farmers

$1,609

Nationwide

$1,618

Farmers

$1,624

Progressive

$1,629

Travelers

$1,638

Progressive

$1,647

Progressive

$1,648

Progressive

$1,651

Progressive

$1,663

Progressive

$1,663

Farmers

$1,666

Progressive

$1,685

Allstate

$1,689

Progressive

$1,710

Progressive

$1,713

Progressive

$1,733

Progressive

$1,736

Farmers

$1,743

Progressive

$1,747

Allstate

$1,767

Farmers

$1,777

Farmers

$1,841

Farmers

$1,870

Farmers

$1,884

Farmers

$1,885

Allstate

$1,889

Farmers

$1,950

Allstate

$1,980

Farmers

$1,985

Allstate

$2,037

Farmers

$2,095

Allstate

$2,138

Farmers

$2,142

Allstate

$2,241

Cost of Insuring a BMW X3 for 16- to 25-Year-Olds

The cost of car insurance for a BMW X3 can vary depending on the driver’s age. On average, insuring a BMW X3 for a 16-year-old driver can cost up to $6,841 per year, while a 40-year-old driver can expect to pay around $1,490 annually.

Insurance rates decrease with age and tend to level off when drivers reach their 20s. Factors such as location, driving record and coverage options can also affect rates for a BMW X3, so always shop around for the best rates.

Driver Age
Average Annual Premium

16

$6,841

16

$2,999

17

$5,565

17

$2,417

18

$4,903

18

$2,105

19

$1,446

19

$3,408

20

$3,091

20

$1,296

21

$973

21

$2,373

22

$896

22

$2,196

23

$2,043

23

$828

24

$784

24

$1,940

25

$1,745

25

$708

Adding a teen driver to an existing family plan is often cheaper than purchasing individual teen car insurance. State Farm offers the cheapest insurance for a 16-year-old BMW X3 driver at $4,398 annually, while Farmers is the most expensive at $10,546 per year. Teens and their families should compare rates from multiple providers to find the best value.

Company
Average Annual Premium

State Farm

$524

GEICO

$560

State Farm

$575

GEICO

$591

Travelers

$605

GEICO

$619

State Farm

$627

Travelers

$651

GEICO

$685

Nationwide

$693

Travelers

$695

State Farm

$702

Progressive

$724

Allstate

$731

GEICO

$734

Travelers

$740

State Farm

$764

Nationwide

$771

Allstate

$799

Travelers

$801

Nationwide

$826

Allstate

$841

Progressive

$845

State Farm

$884

Allstate

$894

Nationwide

$909

Progressive

$927

Travelers

$949

Allstate

$958

Farmers

$969

GEICO

$978

State Farm

$994

Nationwide

$1,001

Progressive

$1,048

Travelers

$1,075

Farmers

$1,085

GEICO

$1,096

Farmers

$1,114

Progressive

$1,154

Farmers

$1,168

State Farm

$1,180

Allstate

$1,194

Farmers

$1,274

State Farm

$1,328

Travelers

$1,371

Allstate

$1,372

Nationwide

$1,421

Progressive

$1,460

State Farm

$1,509

GEICO

$1,521

Nationwide

$1,630

Nationwide

$1,632

State Farm

$1,643

GEICO

$1,649

Progressive

$1,664

Travelers

$1,670

GEICO

$1,762

GEICO

$1,834

State Farm

$1,834

Nationwide

$1,847

Farmers

$1,849

GEICO

$1,861

Travelers

$1,906

Nationwide

$1,963

State Farm

$1,970

Farmers

$1,978

Allstate

$2,032

Progressive

$2,060

GEICO

$2,086

Travelers

$2,120

Nationwide

$2,121

Nationwide

$2,125

State Farm

$2,169

Travelers

$2,218

GEICO

$2,255

Travelers

$2,266

Nationwide

$2,268

Nationwide

$2,286

State Farm

$2,352

GEICO

$2,364

Progressive

$2,386

Travelers

$2,416

Nationwide

$2,488

Farmers

$2,512

Allstate

$2,550

Allstate

$2,589

Progressive

$2,605

Travelers

$2,612

State Farm

$2,688

Farmers

$2,778

Farmers

$2,833

GEICO

$2,881

Allstate

$2,884

Progressive

$2,918

Farmers

$2,940

Progressive

$2,973

State Farm

$2,995

Allstate

$3,035

Farmers

$3,047

Farmers

$3,133

Travelers

$3,169

Allstate

$3,208

Nationwide

$3,215

GEICO

$3,218

Farmers

$3,256

Progressive

$3,265

Allstate

$3,270

State Farm

$3,501

Travelers

$3,541

Allstate

$3,547

Progressive

$3,556

Progressive

$3,657

Nationwide

$3,668

State Farm

$3,906

Progressive

$4,149

GEICO

$4,315

Farmers

$4,359

Allstate

$4,386

State Farm

$4,398

Farmers

$4,419

Travelers

$4,459

Farmers

$4,622

Progressive

$4,630

Nationwide

$4,695

Allstate

$4,843

Nationwide

$5,086

GEICO

$5,154

Travelers

$5,297

Nationwide

$5,571

GEICO

$6,600

Allstate

$6,800

Travelers

$6,855

Farmers

$7,207

Farmers

$7,662

Allstate

$8,068

Progressive

$8,369

Allstate

$9,675

Progressive

$9,683

Progressive

$9,980

Farmers

$10,546

How Does Location Affect the Cost of BMW X3 Insurance?

While the model year and driver’s age affect BMW X3 insurance rates, location can be even more important. The cheapest insurance company for a sample car can vary across states, so always obtain quotes from the cheapest providers in your area.

State
Cheapest Company
Annual Premium
Monthly Premium

Alabama

Cincinnati Insurance

$256

$21

Alabama

Cincinnati Insurance

$175

$15

Alabama

Allstate

$825

$69

Alabama

Cincinnati Insurance

$201

$17

Alabama

Cincinnati Insurance

$581

$48

Alabama

Nationwide

$709

$59

Alaska

GEICO

$750

$62

Alaska

GEICO

$352

$29

Alaska

State Farm

$644

$54

Alaska

State Farm

$699

$58

Alaska

State Farm

$322

$27

Alaska

State Farm

$300

$25

Arizona

Mercury

$321

$27

Arizona

Travelers

$359

$30

Arizona

Travelers

$689

$57

Arizona

Root Insurance Company

$682

$57

Arizona

Mercury

$305

$25

Arizona

Root Insurance Company

$684

$57

Arkansas

State Farm

$232

$19

Arkansas

Hanover

$551

$46

Arkansas

Hanover

$191

$16

Arkansas

Hanover

$260

$22

Arkansas

Hanover

$741

$62

Arkansas

State Farm

$629

$52

California

AAA California

$1,001

$83

California

CSAA

$428

$36

California

GEICO

$1,284

$107

California

GEICO

$411

$34

California

AAA California

$991

$83

California

GEICO

$419

$35

Colorado

American National P&C

$532

$44

Colorado

American National P&C

$259

$22

Colorado

American National P&C

$216

$18

Colorado

American National P&C

$668

$56

Colorado

American National P&C

$541

$45

Colorado

American National P&C

$248

$21

Connecticut

GEICO

$683

$57

Connecticut

GEICO

$319

$27

Connecticut

GEICO

$405

$34

Connecticut

GEICO

$326

$27

Connecticut

GEICO

$693

$58

Connecticut

GEICO

$880

$73

Delaware

State Farm

$881

$73

Delaware

Travelers

$980

$82

Delaware

Travelers

$444

$37

Delaware

Travelers

$464

$39

Delaware

State Farm

$817

$68

Delaware

Travelers

$459

$38

District of Columbia

GEICO

$474

$40

District of Columbia

GEICO

$878

$73

District of Columbia

GEICO

$715

$60

District of Columbia

GEICO

$662

$55

District of Columbia

Chubb

$345

$29

District of Columbia

GEICO

$372

$31

District of Columbia

Chubb

$372

$31

Florida

GEICO

$446

$37

Florida

State Farm

$1,058

$88

Florida

State Farm

$581

$48

Florida

State Farm

$970

$81

Florida

GEICO

$485

$40

Florida

State Farm

$1,259

$105

Georgia

Country Financial

$665

$55

Georgia

Country Financial

$580

$48

Georgia

Allstate

$942

$78

Georgia

Auto-Owners Insurance Co

$441

$37

Georgia

Country Financial

$285

$24

Georgia

Auto-Owners Insurance Co

$311

$26

Hawaii

GEICO

$565

$47

Hawaii

GEICO

$217

$18

Hawaii

GEICO

$565

$47

Hawaii

GEICO

$565

$47

Hawaii

GEICO

$217

$18

Hawaii

GEICO

$217

$18

Idaho

State Farm

$145

$12

Idaho

American National P&C

$299

$25

Idaho

American National P&C

$152

$13

Idaho

American National P&C

$383

$32

Idaho

American National P&C

$307

$26

Idaho

American National P&C

$127

$11

Illinois

American Family

$753

$63

Illinois

Mercury

$235

$20

Illinois

Country Financial

$610

$51

Illinois

Mercury

$329

$27

Illinois

Country Financial

$663

$55

Illinois

Mercury

$226

$19

Indiana

State Farm

$222

$18

Indiana

American Family

$598

$50

Indiana

State Farm

$530

$44

Indiana

American Family

$555

$46

Indiana

Auto-Owners Insurance Co

$228

$19

Indiana

State Farm

$287

$24

Iowa

State Farm

$144

$12

Iowa

State Farm

$639

$53

Iowa

State Farm

$509

$42

Iowa

State Farm

$448

$37

Iowa

State Farm

$175

$15

Iowa

State Farm

$136

$11

Kansas

Nationwide

$275

$23

Kansas

Nationwide

$596

$50

Kansas

Nationwide

$218

$18

Kansas

Nationwide

$786

$66

Kansas

Nationwide

$670

$56

Kansas

Nationwide

$221

$18

Kentucky

Nationwide

$790

$66

Kentucky

Nationwide

$1,007

$84

Kentucky

Cincinnati Insurance

$330

$28

Kentucky

Cincinnati Insurance

$257

$21

Kentucky

Cincinnati Insurance

$228

$19

Kentucky

Cincinnati Insurance

$670

$56

Louisiana

Louisiana Farm Bureau

$484

$40

Louisiana

GEICO

$1,512

$126

Louisiana

State Farm

$1,257

$105

Louisiana

Louisiana Farm Bureau

$1,048

$87

Louisiana

GEICO

$535

$45

Louisiana

State Farm

$541

$45

Maine

Concord Group

$521

$43

Maine

Countryway Insurance

$266

$22

Maine

Concord Group

$690

$57

Maine

Countryway Insurance

$221

$18

Maine

Countryway Insurance

$221

$18

Maine

Concord Group

$498

$41

Maryland

Progressive

$538

$45

Maryland

Progressive

$857

$71

Maryland

Progressive

$572

$48

Maryland

Kemper

$538

$45

Maryland

Progressive

$938

$78

Maryland

Progressive

$961

$80

Massachusetts

State Farm

$483

$40

Massachusetts

State Farm

$369

$31

Massachusetts

State Farm

$221

$18

Massachusetts

State Farm

$221

$18

Massachusetts

State Farm

$483

$40

Massachusetts

State Farm

$167

$14

Michigan

GEICO

$903

$75

Michigan

Travelers

$101

$8

Michigan

Travelers

$111

$9

Michigan

GEICO

$898

$75

Michigan

Travelers

$94

$8

Michigan

Chubb

$798

$67

Minnesota

State Farm

$797

$66

Minnesota

American Family

$842

$70

Minnesota

Iowa Farm Bureau

$694

$58

Minnesota

Westfield

$317

$26

Minnesota

State Farm

$305

$25

Minnesota

Auto-Owners Insurance Co

$370

$31

Mississippi

Direct General Insurance

$275

$23

Mississippi

Direct General Insurance

$723

$60

Mississippi

Progressive

$304

$25

Mississippi

Progressive

$227

$19

Mississippi

Direct General Insurance

$919

$77

Mississippi

Direct General Insurance

$639

$53

Missouri

Nationwide

$909

$76

Missouri

State Farm

$381

$32

Missouri

American Family

$1,070

$89

Missouri

State Farm

$479

$40

Missouri

State Farm

$388

$32

Missouri

Nationwide

$860

$72

Montana

Progressive

$525

$44

Montana

Progressive

$399

$33

Montana

State Farm

$168

$14

Montana

Progressive

$437

$36

Montana

State Farm

$185

$15

Montana

State Farm

$154

$13

Nebraska

American National P&C

$405

$34

Nebraska

American National P&C

$163

$14

Nebraska

American National P&C

$138

$12

Nebraska

American National P&C

$381

$32

Nebraska

American National P&C

$157

$13

Nebraska

American National P&C

$493

$41

Nevada

CSAA

$840

$70

Nevada

CSAA

$444

$37

Nevada

CSAA

$565

$47

Nevada

CSAA

$1,168

$97

Nevada

CSAA

$940

$78

Nevada

CSAA

$402

$33

New Hampshire

State Farm

$233

$19

New Hampshire

State Farm

$681

$57

New Hampshire

State Farm

$500

$42

New Hampshire

State Farm

$540

$45

New Hampshire

State Farm

$296

$25

New Hampshire

State Farm

$247

$21

New Jersey

Amica Mutual

$460

$38

New Jersey

NJM

$798

$66

New Jersey

Plymouth Rock Assurance

$895

$75

New Jersey

GEICO

$420

$35

New Jersey

Plymouth Rock Assurance

$965

$80

New Jersey

GEICO

$428

$36

New Mexico

State Farm

$310

$26

New Mexico

State Farm

$254

$21

New Mexico

State Farm

$607

$51

New Mexico

State Farm

$644

$54

New Mexico

State Farm

$239

$20

New Mexico

State Farm

$854

$71

New York

Kemper

$540

$45

New York

Kemper

$990

$82

New York

Kemper

$766

$64

New York

Kemper

$468

$39

New York

Kemper

$781

$65

New York

Kemper

$464

$39

North Carolina

Erie

$630

$52

North Carolina

Erie

$644

$54

North Carolina

Nationwide

$230

$19

North Carolina

Nationwide

$514

$43

North Carolina

Nationwide

$242

$20

North Carolina

Nationwide

$293

$24

North Dakota

Nodak Mutual

$211

$18

North Dakota

American Family

$616

$51

North Dakota

Nodak Mutual

$190

$16

North Dakota

American Family

$709

$59

North Dakota

Nodak Mutual

$158

$13

North Dakota

Nodak Mutual

$514

$43

Ohio

Nationwide

$485

$40

Ohio

Nationwide

$448

$37

Ohio

Erie

$170

$14

Ohio

Erie

$176

$15

Ohio

American Family

$516

$43

Ohio

Erie

$220

$18

Oklahoma

State Farm

$662

$55

Oklahoma

State Farm

$200

$17

Oklahoma

State Farm

$579

$48

Oklahoma

State Farm

$818

$68

Oklahoma

State Farm

$258

$22

Oklahoma

State Farm

$215

$18

Oregon

State Farm

$360

$30

Oregon

State Farm

$706

$59

Oregon

State Farm

$813

$68

Oregon

State Farm

$656

$55

Oregon

State Farm

$411

$34

Oregon

State Farm

$381

$32

Pennsylvania

Travelers

$672

$56

Pennsylvania

Nationwide

$580

$48

Pennsylvania

Erie

$242

$20

Pennsylvania

Travelers

$286

$24

Pennsylvania

Nationwide

$508

$42

Pennsylvania

Erie

$238

$20

Rhode Island

State Farm

$344

$29

Rhode Island

State Farm

$356

$30

Rhode Island

State Farm

$712

$59

Rhode Island

State Farm

$862

$72

Rhode Island

State Farm

$700

$58

Rhode Island

Travelers

$376

$31

South Carolina

American National P&C

$548

$46

South Carolina

American National P&C

$251

$21

South Carolina

American National P&C

$463

$39

South Carolina

American National P&C

$283

$24

South Carolina

American National P&C

$285

$24

South Carolina

American National P&C

$482

$40

South Dakota

Nationwide

$702

$58

South Dakota

Allstate

$803

$67

South Dakota

Allstate

$746

$62

South Dakota

State Farm

$260

$22

South Dakota

Farmers Mutual of Nebraska

$207

$17

South Dakota

State Farm

$204

$17

Tennessee

Auto-Owners Insurance Co

$207

$17

Tennessee

State Farm

$728

$61

Tennessee

State Farm

$256

$21

Tennessee

State Farm

$579

$48

Tennessee

State Farm

$197

$16

Tennessee

State Farm

$516

$43

Texas

State Farm

$321

$27

Texas

State Farm

$699

$58

Texas

State Farm

$900

$75

Texas

Texas Farm Bureau

$295

$25

Texas

Texas Farm Bureau

$629

$52

Texas

State Farm

$392

$33

Utah

GEICO

$490

$41

Utah

Farmers Union Insurance

$388

$32

Utah

Nationwide

$896

$75

Utah

Nationwide

$670

$56

Utah

Farmers Union Insurance

$369

$31

Utah

Nationwide

$725

$60

Vermont

State Farm

$449

$37

Vermont

State Farm

$188

$16

Vermont

State Farm

$198

$17

Vermont

State Farm

$611

$51

Vermont

State Farm

$493

$41

Vermont

State Farm

$233

$19

Virginia

Virginia Farm Bureau

$753

$63

Virginia

Mercury

$251

$21

Virginia

American Family

$243

$20

Virginia

Virginia Farm Bureau

$300

$25

Virginia

American Family

$601

$50

Virginia

Nationwide

$651

$54

Washington

PEMCO

$262

$22

Washington

PEMCO

$569

$47

Washington

PEMCO

$670

$56

Washington

PEMCO

$326

$27

Washington

PEMCO

$284

$24

Washington

PEMCO

$534

$44

West Virginia

Erie

$303

$25

West Virginia

Erie

$361

$30

West Virginia

Erie

$962

$80

West Virginia

Erie

$300

$25

West Virginia

Erie

$784

$65

West Virginia

Erie

$773

$64

Wisconsin

Erie

$230

$19

Wisconsin

GEICO

$556

$46

Wisconsin

GEICO

$641

$53

Wisconsin

State Farm

$232

$19

Wisconsin

GEICO

$273

$23

Wisconsin

State Farm

$568

$47

Wyoming

GEICO

$176

$15

Wyoming

State Farm

$646

$54

Wyoming

Farmers

$870

$72

Wyoming

State Farm

$182

$15

Wyoming

State Farm

$745

$62

Wyoming

GEICO

$201

$17

Frequently Asked Questions About BMW X3 Insurance

MoneyGeek answers commonly asked questions about car insurance for a BMW X3.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.