BMW X3 Insurance Rates

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Is a BMW X3 expensive to insure?

BMW X3 insurance costs depend on a number of factors and can vary from insurer to insurer. While it may be difficult to know exactly how much your BMW X3 will cost, we'll help you understand what affects the price so you can compare quotes and get the best value possible.

Is insurance higher on a BMW?

It depends. Insurance costs are affected by car model, the level of cover required, the driver's own no claims bonus, and whether comprehensive or third-party coverage is sought. According to a study by GoCompare Car Insurance, models included in its ''worst insurers'' list include the BMW 3 Series, 5 Series, and M3 - all of which have an above-average insurance rating. The cheapest insurance rates for these models tend to come from specialist makes such as Toyota, Audi, Honda, and Rover.

How much does it cost to insure a 2021 BMW X3?

The new X3 SUV will be available in the UK from April of 2021, and we've estimated its price to be around u00a334,000, so we'd expect an insurance quote for a 51-year-old male driver to cost about u00a3300 per year on average.

What Insurance Group is a BMW X3?

The Insurance Group, your BMW X3, is in determines the level of risk an insurer will assign to insuring you. It is very important that you are aware of what insurance group your BMW X3 sits within before it goes on the road, as this can have a huge impact on how much it costs to insure.

BMW X3BMW X3

BMW X3 Trims Available

BMW X3 Trim Level Annual Policy 6-month Policy Per Month
xDrive 30i AWD$1563$782$130
sDrive 30i 2WD$1556$788$131
xDrive 30i Convenience AWD$1553$787$131
sDrive 30i Convenience 2WD$1597$798$133
sDrive 30i Premium 2WD$1596$797$135
sDrive 30i Sport 2WD$1623$804$135
xDrive 30i Executive AWD$1623$803$134
xDrive 30i Premium AWD$1600$800$133
xDrive 30i Sport AWD$1598$799$134
sDrive 30i Executive 2WD$1654$822$139
m40i AWD$1696$857$141
m40i Premium AWD$1714$855$143
m40i Executive AWD$1759$877$147
AWD$1851$930$157
Executive AWD$1899$953$160

Model by Year

Model Year Comprehensive Collision Liability Total Premium
2020 BMW X3 $357 $638 $391 $1530
2019 BMW X3 $348 $632 $403 $1536
2018 BMW X3 $336 $610 $415 $1511
2017 BMW X3 $322 $583 $431 $1490
2016 BMW X3 $303 $568 $447 $1479
2015 BMW X3 $295 $526 $450 $1430
2014 BMW X3 $280 $494 $454 $1383
2013 BMW X3 $271 $443 $459 $1346
2012 BMW X3 $252 $409 $465 $1280
2011 BMW X3 $241 $386 $470 $1255
2010 BMW X3 $236 $356 $475 $1234
2009 BMW X3 $221 $333 $472 $1183
2008 BMW X3 $211 $304 $480 $1144
2007 BMW X3 $199 $273 $473 $1111
2006 BMW X3 $185 $250 $477 $1077
2005 BMW X3 $180 $226 $468 $1031
2004 BMW X3 $178 $219 $464 $1027

Cost by Driver Age and Deductibles

Driver Age Deductible Annual Cost Monthly Cost
20$1009$2736$232
$502$3287$277
$251$3904$323
30$1006$1459$121
$505$1759$145
$253$2076$172
40$1010$1391$116
$502$1659$138
$252$1944$163
50$996$1255$105
$501$1508$126
$253$1787$147
60$1009$1235$104
$502$1496$123
$249$1751$146

Cost by State

State Premium Compared to U.S. Avg Percent Difference
Alabama $1387 $146 -9.5%
Alaska $1178 $355 -23.2%
Arizona $1275 $257 -16.8%
Arkansas $1533 -$0 0.0%
California $1750 $218 14.2%
Colorado $1465 $68 -4.4%
Connecticut $1577 $44 2.9%
Delaware $1738 $206 13.4%
Florida $1920 $387 25.2%
Georgia $1417 $116 -7.6%
Hawaii $1102 $431 -28.0%
Idaho $1040 $493 -32.1%
Illinois $1144 $389 -25.3%
Indiana $1156 $377 -24.5%
Iowa $1036 $497 -32.3%
Kansas $1459 $74 -4.8%
Kentucky $2094 $561 36.5%
Louisiana $2273 $740 48.2%
Maine $948 $585 -38.1%
Maryland $1265 $267 -17.4%
Massachusetts $1227 $305 -19.9%
Michigan $2668 $1136 73.9%
Minnesota $1283 $249 -16.3%
Mississippi $1838 $305 19.9%
Missouri $1361 $172 -11.2%
Montana $1649 $116 7.6%
Nebraska $1211 $321 -21.0%
Nevada $1840 $307 20.1%
New Hampshire $1104 $429 -27.9%
New Jersey $1714 $182 11.8%
New Mexico $1359 $174 -11.3%
New York $1617 $84 5.5%
North Carolina $884 $649 -42.2%
North Dakota $1257 $275 -18.0%
Ohio $1062 $471 -30.6%
Oklahoma $1577 $44 2.9%
Oregon $1405 $128 -8.3%
Pennsylvania $1465 $68 -4.4%
Rhode Island $2048 $515 33.5%
South Carolina $1393 $140 -9.1%
South Dakota $1293 $239 -15.6%
Tennessee $1345 $188 -12.2%
Texas $1850 $317 20.7%
Utah $1136 $397 -25.8%
Vermont $1052 $481 -31.3%
Virginia $920 $613 -39.9%
Washington $1185 $347 -22.7%
West Virginia $1407 $126 -8.2%
Wisconsin $1062 $471 -30.6%
Wyoming $1369 $164 -10.7%

Diversity

Insurance Coverage CategoryLoss Rate
Collision21.9%
Property Damage-42.3%
Comprehensive38.7%
Personal Injury-38.7%
Medical Paymentno data
Bodily Injuryno data

Other BMW models

Other styles

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

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Discounts are estimated and may not be available from every company or in every state.

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