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 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 Category | Loss Rate |
|---|---|
| Collision | 21.9% |
| Property Damage | -42.3% |
| Comprehensive | 38.7% |
| Personal Injury | -38.7% |
| Medical Payment | no data |
| Bodily Injury | no 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.
