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BMW X3 Insurance Rates [Rates + Comparison Guide]

Key takeaways:

  • Full coverage costs around $1,562 a year or $130 each month
  • A liability-only policy costs around $627 a year or $52 each month
  • Highest rates are for teenage drivers at around $5,709 a year or $476 each month
  • Good drivers can save as much as $644 a year by earning policy discounts
  • BMW X3 insurance costs around $43 more per year than the average vehicle

BMW X3 insurance rates cost around $43 more a year than the average vehicle, but good drivers are eligible for up to $644 a year in policy discounts by practicing safe driving habits. Full coverage for the BMW X3 costs around $1,562 a year or $130 a month. Let’s look at BMW X3 insurance rates, safety ratings, and more.

You can start comparing quotes for BMW X3 car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

BMW X3 Insurance Cost

The average BMW X3 car insurance rates are $1,562 a year or $130 a month.

Are BMW X3s Expensive to Insure?

The chart below details how BMW X3 insurance rates compare to other SUVs like the Ford Flex, Infiniti QX60, and Toyota Highlander.

Vehicle Comprehensive Collision Liability Total
BMW X3 $376 $656 $372 $1,562
Ford Flex $332 $566 $398 $1,454
Infiniti QX60 $404 $750 $372 $1,684
Toyota Highlander $332 $512 $390 $1,392
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Audi Q3 $344 $686 $398 $1,586
Acura MDX $376 $562 $372 $1,468
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However, there are a few things you can do to find the cheapest BMW insurance rates online.

What Impacts the Cost of BMW X3 Insurance?

The BMW X3 trim and model you choose will affect the total price you will pay for BMW X3 insurance coverage.

Age of the Vehicle

The average BMW X3 car insurance rates are higher for newer models. For example, car insurance rates for a 2020 BMW X3 are $1,562, while 2010 BMW X3 rates are $1,246, a difference of $316.

Model Year Comprehensive Collision Liability Total
2020 BMW X3 $376 $656 $372 $1,562
2019 BMW X3 $358 $630 $390 $1,536
2018 BMW X3 $344 $626 $398 $1,526
2017 BMW X3 $332 $610 $416 $1,516
2016 BMW X3 $320 $586 $430 $1,494
2015 BMW X3 $304 $564 $442 $1,468
2014 BMW X3 $292 $524 $452 $1,426
2013 BMW X3 $280 $494 $456 $1,388
2012 BMW X3 $268 $442 $460 $1,328
2011 BMW X3 $250 $408 $460 $1,276
2010 BMW X3 $242 $382 $464 $1,246
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Driver Age

Driver age can have a significant effect on the cost of BMW X3 car insurance. For example, 30-year-old drivers pay approximately $69 more for their BMW X3 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on BMW X3 insurance rates. For example, drivers in Jacksonville may pay $937 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of BMW X3 auto insurance. Teens and drivers in their 20’s see the highest jump in their BMW X3 auto insurance rates with violations on their driving record.

BMW X3 Safety Ratings

Your BMW X3 auto insurance rates are tied to the BMW X3’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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BMW X3 Crash Test Ratings

The crash test ratings of the BMW X3 can impact your BMW X3 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2020 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 BMW X3 30e xDrive SUV AWD N/R N/R N/R N/R
2019 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2019 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2017 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 BMW X3 SUV RWD 5 stars 5 stars 5 stars 4 stars
2016 BMW X3 SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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BMW X3 Safety Features

The numerous safety features of the BMW X3 help contribute to lower insurance rates. The 2020 BMW X3 has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

BMW X3 Insurance Loss Probability

The BMW X3’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the BMW X3, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision 22%
Property Damage no data
Comprehensive -1%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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BMW X3 Finance and Insurance Cost

If you are financing a BMW X3, you will pay more if you purchase BMW X3 car insurance at the dealership, so be sure to shop around and compare BMW X3 car insurance quotes from the best companies using our FREE tool below.

Ways to Save on BMW X3 Insurance

There are several ways you can save even more on your BMW X3 car insurance rates. Take a look at the following five tips:

  • Move to an Area with a Lower Cost of Living
  • Understand that Insurance Companies Can’t Change Your BMW X3 Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Ask About Retiree Discounts
  • Wait Six Years for Accidents to Disappear from Your Record
  • Drive Your BMW X3 Safely

Top BMW X3 Insurance Companies

The best auto insurance companies for BMW X3 car insurance rates will offer competitive rates, discounts, and account for the BMW X3’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free BMW X3 Insurance Quotes Online

You can start comparing quotes for BMW X3 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

You can stay well insured with BMW X3 auto insurance if you review the pros and cons of ownership. This SUV is small enough to handle like a car and large enough to comfortably hold passengers and cargo.

To come across the best car insurance rates around just enter your ZIP code into the FREE quote tool today!

This luxury SUV from BMW has optimal handling and supreme overall performance that is suited for blacktop road surfaces and off-road terrain.

Between the excellent steering, superior reflexes and of course, powerful engine, virtually everyone will enjoy driving this vehicle every day.

The Insurance Institute for Highway Safety gave the X3 good ratings for front collisions relating to driver injuries. They also tested side impacts and roof strength with positive results.

However, it did not score very high in the rollover category. Even with hill assistance technology, some steeper climbs strained the engine.

Unfortunately, the BMW X3 also comes with other drawbacks, like the hefty price tag.

Just like all BMWs, the X3 is not for everyone because it can drain your finances.

However, the good news is if you are in the position to obtain one, you can also find comparable auto insurance rates. This will ensure that you have complete protection to safeguard this luxurious motor vehicle.

Retail Price of the 2012 BMW X3

pproximately eight years ago, BMW introduced this smaller and tidier version of an SUV. Just like most first-year models, it had a few quirks.

However, with the redesigning efforts in 2011, their improvements shine brightly. Thus, the cost of the X3 reflects the new upgrades. As for trim types, there are two, the 28i and the 35i.

Depending on the one you select, you might suffer from sticker shock upon close inspection; the 28i has an MSRP of $35,500, while the 35i begins at approximately $43,600. Remember, these are the basic costs. The average 28i actually comes closer to $42,700 and the 35i can cost nearly $50,000.

Because of the high retail prices of both of these SUVs, this can cause many people to assume that they will also pay excessively for car insurance.

Luckily, this is just a myth that seems to follow all luxury vehicles. In reality, the cost to protect either the 28i or the 35i is not as much as the automobile insurance industry wants you to believe.

BMW X3 28i Annual Automobile Insurance Costs

If you plan to purchase the 28i, you will probably have an annual car insurance rate of about $1300.

Although the 28i comes equipped with standard features including advanced shock absorption, energy regeneration for the braking system and descent control on hills, it is slightly less powerful than the 35i.

For starters, it has a four-cylinder engine with only 240 horsepower turbo technology. In addition, the DOHC or dual overhead cam only holds 2.0 liters.

This still provides great acceleration, however, the top speed does not exceed 120 MPH. This could be the reason for the lower, priced auto insurance rates.

On the other hand, when comparing the 28i to any other SUV in the same class, like the Acura RDX or the Infiniti EX35, you see the costs increase by $50 to $100 more per year.

Perhaps then, the fact that the BMW has a number of standard safety features, as opposed to the limited Acura and Infiniti safety packages, plays another role in prices.

Regardless of the reasons, it is clear to see that you can afford to protect your BMW 28i without sacrificing coverage.

BMW X3 35i Yearly Car Insurance Rates

The performance of the 35i is spectacular and begins with turbo, 300-horsepower engine, with six cylinders instead of four. The extra two cylinders, combined with the DOHC with three-liter capacity allows seamless transition from one gear to another.

Those who prefer an automatic transmission will love the execution of the BMW’s adaptive transmission control (ATC) features.

This allows automatic transmissions to handle this dynamic driving machine with precision.

The 35i has much more power and speed, but at $1,354 per year for car insurance, it is still a great deal.

You might be surprised when you receive your first quote because you must remember some auto insurance companies will try to convince you that you need to pay more due to the luxury status.

Your best bet is to gather at least four or five quotes and find the average between each. This should help you arrive at a figure you can trust and afford easily. Learn more here: where can I compare several affordable auto insurance rates.

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Comprehensive Limit Recommendations

Your car insurance selections could vary from the state minimum liability only to a number of different levels, but no matter what you choose, make sure comprehensive fits in somewhere.

This will prepare you in the event of theft, which is increasing more each year. While the X3 does not fit the typical list of top stolen cars in the U.S., these days car thieves do not need to take the entire vehicle.

Instead, according to the National Insurance Crime Bureau, they clone these kinds of luxury SUVs. They use information from a registered vehicle to copy the data and sell stolen cars on the black market.

Sadly, they often cause damage to the vehicle when they retrieve the computerized accessories and this kind of vandalism is expensive when you need repairs or replacements. This is where your comprehension helps you feel better protected.

These facts should not lead you to believe that your X3 is no longer a target for car theft. The chances of becoming the victim of this kind of crime are still higher in certain areas. Comprehensive coverage will certainly help you restore your SUV to showroom appearance.

Nonetheless, just in case this never happens, you need to be aware of the latest trends some unscrupulous characters participate in these days.

A Different Type of Coverage is BMW Performance Insurance

When you purchase a BMW X3, you open your doors to even more protection options. Aside from standard auto insurance coverage, you qualify for special incentives.

They include anything from special discounts and savings to guaranteed, certified BMW repair shops. This special service is called BMW Performance Insurance.

The benefits begin with free towing to any BMW service center, if you experience mechanical failure, or become involved in an accident.

Your BMW requires special parts and technicians who have training and appropriate skills. You should not trust your vehicle to just anyone, your main concern should surround their compliance with BMW standards.

Instead of relying on guaranteed asset protection, or GAP insurance, as a separate add-on, your membership into the BMW club means you receive replacement coverage for your new vehicle.

If within a 12-month period your X3 has extensive damage, they provide you with the cost of replacement.

Finally, they provide accident forgiveness as long as you remain a loyal BMW owner for five years. They automatically grant this benefit from the first day of ownership. They will even remind you when the five years pass, so you understand the value of this service.

You May Also Need Extended Warranty Options

Although the BMW X3 has an exceptional warranty, especially the powertrain, there are customers who have experienced less than perfect performance.

According to the complaints on file with the National Highway Transportation Safety Administration, the X3 has issues with the electrical and braking systems, along with a number of recalls.

It is true that many of these problems began after the warranty terminates, which means the X3 already had substantial miles.

However, most BMW owners tend to keep their vehicles longer than the standard five years.

In addition, they drive on a consistent basis. After all, this is a fun and exciting vehicle.

Many times, they reach the maximum warranty mileage within three years. This means the warranty ends and the protection does too. If parts begin to wear or worse, fail, the cost of an accident is extreme.

To prevent this problem, it is better to complete regular maintenance. Without the manufacturer’s warranty, the cost to repair BMW parts is very high. This is why extended warranty options are so important.

On average, the cost of an extended warranty is about $1,500 for 100,000 miles.

Shortly after your manufacturer warranty ends, you may receive notices from all different types of companies offering their service. Take some time to review the options and decide if this is the best move for you.

You may not need to pay the amount all at once. Most of these companies accept minimum monthly payments. However, you do not have to wait until you pay the balance in full before you take advantage of their benefits.

You could also look into mechanical failure insurance. This is something your car insurance company may offer for an additional price. It is simple to combine into your current policy and if your car breaks down, you can use this coverage to pay for the repairs.

Both extended warranties and mechanical failure insurance will provide the type of protection you need for your X3 and prevent you from having to spend thousands of dollars in repairs.

The idea of purchasing a luxury vehicle often comes with mixed reviews. Some people, especially in today’s economy, may find it frivolous.

Others may consider this an opportunity splurge on something they work hard for each day. The different points of view are always valid, but subjective at best.

If you have the idea that you want to buy the BMW X3, just consider the good and the bad before you finalize your plan. At least now, you know for sure what kind of insurance you should consider and the costs involved.

Your ZIP code is all you need to find great car insurance rates, just enter it into the FREE quote tool!


  1. http://www.iihs.org/iihs/ratings/vehicle/v/bmw/x3-4-door-suv/2017
  2. http://www.bmwusa.com/standard/content/vehicles/2013/x3/xdrive35i/default.aspx
  3. http://www.jdpower.com/cars/articles/tips-advice/do-you-need-extended-warranty
  4. http://www-odi.nhtsa.dot.gov/cars/problems/complain/results.cfm

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