BMW X3 Car Insurance Quotes (2025)
The average full-coverage insurance rate for a BMW X3 is $212 per month, while minimum coverage averages $113.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
The BMW X3 is a compact luxury SUV known for its performance and upscale features.[1] With those perks come slightly higher car insurance costs.
On average, X3 drivers pay $113 per month for liability coverage and $212 per month for full coverage. In comparison, the national average costs are $99 per month for liability-only coverage and $176 per month for full coverage.
That’s more than what you’d pay to insure similar vehicles like the Audi Q5 or Acura RDX. Comparison shopping can help you find a car insurance policy that fits your budget and coverage needs.
Quick Facts
The BMW X3 costs an average of $163 per month to insure.
USAA, State Farm, and Allstate offer the cheapest car insurance rates for BMW X3 drivers.
Where you live, your driver profile, and your BMW’s model year influence your insurance rates.
Cost of BMW X3 insurance by model year
The average insurance premium for a BMW X3 is $163 per month. While USAA, State Farm, and Allstate offer the cheapest insurance, rates vary depending on model year.
The table below shows average monthly quotes for 10 BMW X3 model years.
Model Year  | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| 2025 | $272 | $144 |
| 2024 | $272 | $144 |
| 2023 | $267 | $142 |
| 2022 | $266 | $141 |
| 2021 | $252 | $134 |
| 2020 | $246 | $131 |
| 2019 | $236 | $126 |
| 2018 | $225 | $120 |
| 2017 | $223 | $118 |
| 2016 | $214 | $114 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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With a manufacturer’s suggested retail price (MSRP) of $49,950, the redesigned 2025 BMW X3 stands out for its fuel-efficient engine and spacious interior.[2]
Here’s a look at average insurance quotes for the 2025 X3 from several of the best car insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $136 $71 State Farm $163 $84 Allstate $182 $92 GEICO $201 $104 American Family $209 $107 Progressive $215 $153 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 BMW X3’s base MSRP was $46,900, and this model year had no major updates.
The following table shows the average monthly insurance quotes for the 2024 X3.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $136 $71 State Farm $163 $84 Allstate $182 $92 GEICO $201 $104 American Family $209 $107 Progressive $215 $153 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 BMW X3 had a base MSRP of $45,400, with no major changes for this model year.
Average monthly quotes for the 2023 X3 appear in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $134 $70 State Farm $160 $82 Allstate $179 $91 GEICO $198 $102 American Family $206 $105 Progressive $211 $151 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
With an original base MSRP of $43,700, the 2022 BMW received significant updates, including front and rear styling changes, revised interior features, and an engine with a 48-volt mild hybrid system.
Check out the table below to see which insurers have the cheapest average rates for the 2022 BMW X3.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $133 $69 State Farm $160 $82 Allstate $178 $90 GEICO $197 $102 American Family $205 $104 Progressive $210 $149 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When first released, the 2021 X3 had a base MSRP of $43,000, and many advanced safety features were standard equipment.
The table below shows the average monthly quotes for this model year from several of the cheapest insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $126 $66 State Farm $151 $78 Allstate $169 $86 GEICO $186 $96 American Family $194 $99 Progressive $199 $142 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020 BMW X3’s base MSRP was $41,950. This model includes a more powerful 382-horsepower engine.
Below are average monthly insurance quotes from various insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $123 $64 State Farm $258 $76 Allstate $165 $84 GEICO $182 $94 American Family $189 $97 Progressive $194 $139 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2019, the X3’s base MSRP was $41,000. This year’s model had no changes from the previous year.
Average monthly quotes for the 2019 X3 appear in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $118 $62 State Farm $142 $73 Allstate $158 $81 GEICO $175 $91 American Family $182 $93 Progressive $186 $134 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2018 X3 included some significant updates and a base MSRP of $42,650. It’s longer and wider, with more interior room than previous models, and its central display has a touchscreen with Apple CarPlay.
The table below shows average monthly premiums from several companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $113 $59 State Farm $135 $70 Allstate $151 $77 GEICO $167 $86 American Family $173 $89 Progressive $178 $127 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When it was first released, the 2017 BMW X3 had a base MSRP of $40,050.
Check out the following table for a breakdown of monthly quotes from different insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $112 $58 State Farm $134 $68 Allstate $149 $76 GEICO $165 $85 American Family $172 $87 Progressive $176 $125 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 BMW X3 had a $38,950 base MSRP. This model year stands out for its excellent crash test ratings.
See the table below for average monthly premiums from several companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $107 $56 State Farm $128 $66 Allstate $143 $73 GEICO $158 $82 American Family $165 $84 Progressive $169 $121 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of BMW insurance by state
Where you live affects your auto insurance premiums. Factors like local repair costs, traffic density, and crime and vandalism rates contribute to how much you pay.[3]
The map below shows the average BMW insurance premiums across all models by state. Alaska and Hawaii aren’t included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $174 |
| Arizona | $212 |
| Arkansas | $313 |
| California | $294 |
| Colorado | $268 |
| Connecticut | $408 |
| Delaware | $300 |
| Florida | $281 |
| Georgia | $304 |
| Idaho | $153 |
| Illinois | $207 |
| Indiana | $176 |
| Iowa | $148 |
| Kansas | $201 |
| Kentucky | $264 |
| Louisiana | $271 |
| Maine | $184 |
| Maryland | $413 |
| Massachusetts | $217 |
| Michigan | $338 |
| Minnesota | $238 |
| Mississippi | $253 |
| Missouri | $236 |
| Montana | $202 |
| Nebraska | $213 |
| Nevada | $343 |
| New Hampshire | $138 |
| New Jersey | $217 |
| New Mexico | $194 |
| New York | $575 |
| North Carolina | $114 |
| North Dakota | $168 |
| Ohio | $158 |
| Oklahoma | $217 |
| Oregon | $196 |
| Pennsylvania | $211 |
| Rhode Island | $180 |
| South Carolina | $329 |
| South Dakota | $158 |
| Tennessee | $182 |
| Texas | $288 |
| Utah | $223 |
| Vermont | $185 |
| Virginia | $235 |
| Washington | $195 |
| Washington D.C. | $420 |
| West Virginia | $191 |
| Wisconsin | $161 |
| Wyoming | $145 |
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How to ensure you have enough coverage on your BMW X3
The right car insurance coverage will protect your BMW X3 and reduce risk.[4] Consider these common coverage options:
Liability coverage
Liability insurance — which includes bodily injury and property damage coverage — pays for injuries or damages you cause to others in an accident. Insurance experts often recommend buying more than state-minimum coverage to protect yourself against lawsuits.[5]
Collision coverage
Collision insurance pays to repair or replace your X3 if you’re in an accident with another vehicle, regardless of who’s at fault. Given the high repair costs of luxury brands, collision coverage is a wise investment, even if you’ve paid off your car.
Comprehensive coverage
Comprehensive insurance covers non-collision events, such as theft, vandalism, hail, or fallen trees. It also pays to replace cracked or damaged windshields.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay for your medical expenses and vehicle damage if an uninsured or underinsured driver hits you. It’s particularly valuable in areas with high rates of uninsured drivers.
Gap coverage
Gap insurance covers the difference between what you owe on your car and its actual cash value if it’s totaled.[6] This coverage is especially important for newer models that depreciate quickly.
BMW X3 car insurance FAQs
Check out the additional information below on how much it costs to insure a BMW X3 and what to expect when shopping for coverage.
USAA typically offers the lowest rates for BMW X3 insurance, though it’s available only for military members and their families. State Farm, Allstate, and GEICO also offer low rates.
The average cost to insure a BMW X3 is $163 per month, but your actual rate will depend on factors like your age, driving record, driver profile, claims history, annual mileage, and coverage levels.
Yes. The BMW X3 tends to be slightly more expensive to insure than similar luxury SUVs. This may be due to its high repair costs and advanced features, like lane-departure warning and surround-view camera.
BMWs may cost more to insure because they have expensive parts and require specialized repairs. But you can find ways to save money on your insurance. Many companies offer discounts for safe driving, low mileage, or installing anti-theft devices. Increasing your deductible is another way to lower your premiums.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- BMW. "BMW X3 SUV."
- Edmunds. "2025 BMW X3."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- Insurance Information Institute. "How much auto coverage do I need?."
- Insurance Information Institute. "What is gap insurance?."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.