BMW X3 Car Insurance Cost
To insure a BMW X3, it typically costs about $989 per year with Travelers. However, the actual cost can vary based on factors like your age, the model year of your car, and other considerations. You can use the quote tables provided below to get a more accurate estimate of your insurance costs.
If you’re thinking about buying a BMW X3, you’ll need to factor in the cost of insurance. Insurance is a big part of owning a car, so it’s essential to understand it before you buy. Choosing the right insurance is crucial because having inadequate coverage could mean facing unexpected and expensive bills if you have an accident. Plus, if you’re at fault, your premiums could go up.
Having analyzed car insurance rates for over a decade, I’ve seen how much these costs can differ. Your age, driving history, and where you live all play a big role in determining your insurance premiums.
How Much Does BMW X3 Car Insurance Cost?
Typically, Travelers provides the most attractive offer, with an average rate of $989 annually for full coverage insurance on a 2024 BMW X3.
While Travelers’ quoted price serves as a good reference point, it’s essential to recognize that the expense of auto insurance can fluctuate significantly depending on several factors. These factors encompass your geographical location, driving history, the age of your vehicle, and the specific coverage options you select. A spotless driving record may result in lower premiums, whereas a track record of accidents or traffic violations could drive up your expenses.
Moreover, residing in an urban area characterized by heavy traffic might lead to higher insurance costs compared to rural regions with lighter traffic flow. The choice of coverage also plays a pivotal role in determining your premium; comprehensive coverage, which encompasses both collision and comprehensive coverage, will typically cost more than basic liability coverage.
Insuranceopedia is available to assist you in exploring various insurance options and comparing quotes from different providers to ensure that you secure the most advantageous deal.
2024 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Travelers | $989 |
| Allied | $1,235 |
| Unitrin | $1,327 |
| Farmers | $1,600 |
| Bristol West | $1,713 |
| Plymouth Rock Assurance | $2,129 |
| State Farm | $2,365 |
| Texas Farm Bureau Group | $2,627 |
| Preferred Mutual | $2,933 |
| Safety Group | $2,928 |
2023 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $494 |
| Victoria | $1,102 |
| New Jersey Manufacturers | $1,516 |
| SECURA Insurance | $1,628 |
| Penn National | $1,615 |
| New York Central Mutual Fire | $1,644 |
| 21st Century | $1,691 |
| California Capital | $1,754 |
| Direct Auto | $1,953 |
| Unitrin | $1,979 |
2022 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $217 |
| American National P | $558 |
| Buckeye Insurance Group | $704 |
| Pekin Insurance | $803 |
| Mercury Insurance | $860 |
| Victoria | $978 |
| Virginia Farm Bureau | $1,041 |
| Texas Farm Bureau Group | $1,030 |
| Western Reserve | $1,136 |
| Titan | $1,131 |
2021 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $483 |
| Safeco | $674 |
| Mercury Insurance | $914 |
| National General Value | $1,001 |
| Virginia Farm Bureau | $1,055 |
| Pekin Insurance | $1,040 |
| Tennessee Farmers | $1,091 |
| Victoria | $1,115 |
| Texas Farm Bureau Group | $1,217 |
| SECURA Insurance | $1,224 |
2020 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $418 |
| Pekin Insurance | $761 |
| American National P | $811 |
| National General Value | $921 |
| Titan | $1,044 |
| IMT Insurance Company | $1,144 |
| Partners Mutual Insurance Co | $1,172 |
| SECURA Insurance | $1,225 |
| Rockford Mutual Insurance | $1,234 |
| North Carolina Farm Bureau | $1,272 |
2019 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $494 |
| Buckeye Insurance Group | $769 |
| MMG Insurance Company | $889 |
| Indiana Farmers Mutual Ins | $920 |
| Tennessee Farmers | $950 |
| Safety Group | $980 |
| Texas Farm Bureau Group | $1,048 |
| Ohio Mutual Ins Group | $1,041 |
| Concord Group | $1,033 |
| Western Reserve | $1,052 |
2018 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $393 |
| SafeAuto | $652 |
| Mercury Insurance | $695 |
| Ohio Mutual Ins Group | $856 |
| Virginia Farm Bureau | $916 |
| MMG Insurance Company | $954 |
| SAFECO | $975 |
| Concord Group | $1,059 |
| Direct Auto | $1,100 |
| Patriot Group | $1,121 |
2017 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $547 |
| SAFECO | $771 |
| Mercury Insurance Company | $882 |
| PEMCO | $913 |
| Virginia Farm Bureau | $925 |
| Buckeye Insurance Group | $925 |
| Oregon Mutual | $981 |
| Mercury Insurance | $993 |
| North Carolina Farm Bureau | $1,019 |
| Ohio Mutual Ins Group | $1,036 |
2016 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P&C | $501 |
| SAFECO | $549 |
| Buckeye Insurance Group | $581 |
| American National P | $626 |
| NatGen Value | $718 |
| Virginia Farm Bureau | $836 |
| Ohio Mutual Ins Group | $852 |
| Western Reserve | $889 |
| Mercury Insurance | $976 |
| Celina Insurance Group | $1,006 |
2015 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P&C | $546 |
| American National P | $553 |
| Kentucky Farm Bureau | $810 |
| North Carolina Farm Bureau | $866 |
| Mercury Insurance | $909 |
| Utica National Ins Group | $923 |
| Jupiter Auto Insurance | $917 |
| Concord Group | $985 |
| Union Mutual Fire Group | $979 |
| West Bend Mutual | $1,011 |
2014 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $509 |
| American National P | $777 |
| Mercury Insurance | $789 |
| Buckeye Insurance Group | $780 |
| PEMCO | $893 |
| Texas Farm Bureau Group | $1,032 |
| Kemper Auto | Infinity | $1,056 |
| North Carolina Farm Bureau | $1,073 |
| SECURA Insurance | $1,092 |
| Virginia Farm Bureau | $1,128 |
2013 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| NatGen Value | $516 |
| American National P | $547 |
| SAFECO | $625 |
| Utica National Ins Group | $861 |
| Indiana Farmers Mutual Ins | $907 |
| North Carolina Farm Bureau | $1,008 |
| Tennessee Farmers | $1,048 |
| Kentucky Farm Bureau | $1,065 |
| IMT Insurance Company | $1,042 |
| SECURA Insurance | $1,100 |
2012 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $600 |
| Concord Group | $704 |
| Buckeye Insurance Group | $726 |
| Utica National Ins Group | $753 |
| PEMCO | $756 |
| SAFECO | $780 |
| Western Reserve | $791 |
| Virginia Farm Bureau | $788 |
| Texas Farm Bureau Group | $851 |
| SECURA Insurance | $843 |
2011 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $69 |
| Jupiter Auto Insurance | $346 |
| Kemper Auto | Infinity | $576 |
| American National P | $676 |
| Victoria | $828 |
| Dairyland | $866 |
| SECURA Insurance | $889 |
| Mississippi Farm Bureau | $958 |
| Mercury Insurance | $1,025 |
| North Carolina Farm Bureau | $1,048 |
2010 BMW X3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $254 |
| American National P | $502 |
| SAFECO | $542 |
| Virginia Farm Bureau | $709 |
| North Carolina Farm Bureau | $726 |
| West Bend Mutual | $820 |
| SECURA Insurance | $891 |
| Utica National Ins Group | $877 |
| New Jersey Manufacturers | $923 |
| Texas Farm Bureau Group | $960 |
Cost of BMW X3 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,386 | $10,834 | $12,711 |
| 18 | $6,899 | $10,097 | $11,846 |
| 19 | $6,078 | $8,952 | $10,451 |
| 20 | $5,293 | $7,784 | $9,134 |
| 21 | $4,433 | $6,544 | $7,629 |
| 22 | $4,355 | $6,358 | $7,443 |
| 23 | $3,801 | $5,551 | $6,510 |
| 24 | $3,620 | $5,311 | $6,182 |
| 25 | $3,097 | $4,560 | $5,334 |
| 30 | $2,438 | $3,556 | $4,180 |
| 35 | $2,272 | $3,344 | $3,900 |
| 40 | $2,192 | $3,188 | $3,733 |
| 45 | $2,140 | $3,116 | $3,661 |
| 55 | $1,943 | $2,839 | $3,354 |
| 65 | $2,036 | $2,965 | $3,508 |
| 75 | $2,549 | $3,753 | $4,404 |
BMW X3 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,294 | $3,338 | $4,285 |
| Alaska | $1,903 | $2,666 | $2,567 |
| Arizona | $2,179 | $3,119 | $4,586 |
| Arkansas | $2,362 | $3,724 | $4,106 |
| California | $2,647 | $4,675 | $2,637 |
| Colorado | $2,460 | $3,462 | $4,358 |
| Connecticut | $3,156 | $4,887 | $6,201 |
| Delaware | $2,601 | $3,485 | $4,462 |
| Florida | $3,090 | $4,303 | $5,571 |
| Hawaii | $1,017 | $1,389 | $1,016 |
| Idaho | $1,742 | $2,313 | $2,848 |
| Illinois | $1,836 | $2,776 | $3,169 |
| Indiana | $1,871 | $2,872 | $3,251 |
| Iowa | $1,494 | $2,039 | $2,422 |
| Kansas | $1,990 | $2,893 | $3,372 |
| Kentucky | $2,891 | $4,209 | $4,989 |
| Louisiana | $3,679 | $5,583 | $6,059 |
| Maine | $1,414 | $1,922 | $2,860 |
| Maryland | $2,276 | $3,304 | $3,630 |
| Massachusetts | $1,831 | $3,157 | $1,825 |
| Michigan | $4,356 | $6,656 | $10,486 |
| Minnesota | $1,805 | $2,409 | $3,392 |
| Mississippi | $2,167 | $3,077 | $3,125 |
| Missouri | $2,053 | $2,946 | $3,850 |
| Montana | $2,088 | $2,883 | $3,368 |
| Nebraska | $1,772 | $2,595 | $2,845 |
| Nevada | $2,918 | $4,302 | $4,532 |
| New Hampshire | $1,999 | $3,185 | $4,041 |
| New Jersey | $2,239 | $3,488 | $4,554 |
| New Mexico | $2,284 | $3,391 | $3,517 |
| New York | $2,088 | $2,653 | $4,432 |
| North Carolina | $1,322 | $2,236 | $1,589 |
| North Dakota | $1,786 | $2,728 | $3,227 |
| Ohio | $1,586 | $2,433 | $2,518 |
| Oklahoma | $2,543 | $3,624 | $4,090 |
| Oregon | $2,332 | $3,097 | $3,714 |
| Pennsylvania | $1,937 | $2,873 | $3,337 |
| Rhode Island | $3,268 | $4,785 | $5,355 |
| South Carolina | $2,197 | $3,070 | $4,226 |
| South Dakota | $1,970 | $2,866 | $3,281 |
| Tennessee | $2,336 | $3,411 | $4,582 |
| Texas | $2,353 | $3,396 | $4,195 |
| Utah | $2,002 | $2,794 | $3,849 |
| Vermont | $1,543 | $2,345 | $2,508 |
| Virginia | $1,436 | $2,221 | $2,195 |
| Washington | $1,926 | $2,585 | $3,117 |
| West Virginia | $1,931 | $2,748 | $3,478 |
| Wisconsin | $1,920 | $3,004 | $3,401 |
| Wyoming | $1,774 | $2,523 | $2,679 |
| Georgia | $2,542 | $3,776 | $3,795 |
Compare BMW X3 To Other BMW Models
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
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FAQs
Who has the cheapest car insurance for a BMW X3?
Travelers offers the most affordable car insurance rates for the 2024 BMW X3 model year.
Which company offers the best car insurance for a BMW X3?
Considering their low rates, extensive coverage, and excellent customer service, we consider Travelers to provide the best car insurance for BMW X3 vehicles.
