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.

min read
Updated: 02 April 2024
Written by
Bob Phillips
On this page Open

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

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.

Go back to top