The BMW X3 is a classic luxury SUV from the BMW stable. Built with attention to detail and packed with all-wheel drive, semi-autonomous driving systems, and aerodynamic design, it is definitely a status symbol to own! However, you should pay close attention when choosing an insurance policy because the wrong provider can bleed your money by charging higher BMW X3 car insurance cost!
On average, BMW X3 car insurance cost is $1,776 per year, which is a bit costlier than the national average of $1,635 per year. That's expected since BMW is one of the world's top luxury vehicle brands. However, there are ways you can cut costs on your BMW X3 insurance policy – especially by choosing the right kind of service provider.
Compared to other models in this category, the BMW X3 is more affordable to insure. The Acura RDX comes right after, with an annual insurance cost of around $1,900. On the higher end, the Aston Martin DBX is the most expensive to insure among the group.
| Make/Model | Annual Insurance Cost |
|---|---|
| BMW X3 | $1,776 |
| Acura RDX | $1,900 |
| Porsche Macan | $2,242 |
| Jaguar F-Pace | $2,309 |
| BMW X4 | $2,300 |
| Aston Martin DBX | $3,300 |
Several factors affect the BMW X3 auto insurance cost other than the model itself. Those are:
Vermont Mutual offers the lowest annual BMW X3 auto insurance rate for the 2020 model, at just $1,217. While the average annual insurance cost is $1,782, Southern Farm Bureau offers the most expensive insurance, at $1,639.
| Company | Annual Rate |
|---|---|
| Vermont Mutual | $1,217 |
| Tennessee Farmers | $1,242 |
| Nationwide | $1,259 |
| Erie | $1,415 |
| 21st Century | $1,419 |
| American Family | $1,463 |
| Country | $1,477 |
| Arbella | $1,600 |
| Progressive | $1,606 |
| Auto-Owners | $1,617 |
| Southern Farm Bureau | $1,639 |
When comparing the 2019 BMW X3 auto insurance rates, Cincinnati Insurance provides the lowest premium, $1,136, while Southern Farm Bureau offers the highest coverage at $1,610 per year.
| Company | Annual Rate |
|---|---|
| Cincinnati Insurance | $1,136 |
| Auto-Owners | $1,221 |
| Erie | $1,291 |
| Nationwide | $1,299 |
| Plymouth Rock Insurance | $1,317 |
| Country | $1,407 |
| USAA | $1,447 |
| American Family | $1,460 |
| Acuity | $1,551 |
| Arbella | $1,557 |
| Progressive | $1,598 |
| Southern Farm Bureau | $1,610 |
Erie is the cheapest company to insure the 2017 BMW X3, costing just $963. Although Mercury is the costliest option, at $1,475, the average annual insurance rate stays at $1,910.
| Company | Annual Rate |
|---|---|
| Erie | $963 |
| Vermont Mutual | $1,132 |
| Progressive | $1,179 |
| Acuity | $1,194 |
| USAA | $1,211 |
| Nationwide | $1,237 |
| Country | $1,254 |
| Arbella | $1,300 |
| Plymouth Rock Insurance | $1,301 |
| State Farm | $1,338 |
| Mercury | $1,475 |
Vermont Mutual offers the lowest premium, $1,032, for insuring the 2016 BMW X3, while Amica is on the pricier side, costing $1,448. The average annual BMW X3 insurance rate for this model is $1,749.
| Company | Annual Rate |
|---|---|
| Vermont Mutual | $1,032 |
| Nationwide | $1,064 |
| Erie | $1,148 |
| 21st Century | $1,300 |
| Country | $1,314 |
| USAA | $1,324 |
| American Family | $1,328 |
| Tennessee Farmers | $1,353 |
| Arbella | $1,360 |
| Auto-Owners | $1,425 |
| Amica | $1,448 |
Erie once again comes first on the list of the cheapest insurance companies, which costs only $881 to insure the 2015 model BMW X3. Regarding the pricier option, Amica offers X3 auto insurance, which costs $1,364.
| Company | Annual Rate |
|---|---|
| Erie | $881 |
| Tennessee Farmers | $979 |
| Vermont Mutual | $1,004 |
| Acuity | $1,097 |
| USAA | $1,098 |
| Country | $1,166 |
| Arbella | $1,216 |
| Progressive | $1,239 |
| Plymouth Rock Insurance | $1,246 |
| Nationwide | $1,303 |
| Amica | $1,364 |
Erie leads the list of cheapest insurance providers for the 2014 BMW X3, offering coverage at just $915 per year. On the higher end, Amica charges the most, with an annual premium of $1,338.
| Company | Annual Rate |
|---|---|
| Erie | $915 |
| Vermont Mutual | $978 |
| Tennessee Farmers | $982 |
| Acuity | $1,049 |
| USAA | $1,108 |
| Country | $1,157 |
| Arbella | $1,198 |
| Plymouth Rock Insurance | $1,215 |
| Nationwide | $1,301 |
| American Family | $1,327 |
| Amica | $1,338 |
Erie tops the list once again, offering the lowest annual premium of $839 for the 2013 BMW X3. On the other hand, Nationwide sits at the pricier end, with rates reaching up to $1,277 per year.
| Company | Annual Rate |
|---|---|
| Erie | $839 |
| Vermont Mutual | $929 |
| Tennessee Farmers | $947 |
| USAA | $1,013 |
| Acuity | $1,027 |
| Arbella | $1,121 |
| Country | $1,135 |
| Plymouth Rock Insurance | $1,152 |
| American Family | $1,210 |
| Progressive | $1,259 |
| Nationwide | $1,277 |
Once again, Erie offers the cheapest 2012 BMW X3 car insurance cost at just $813, while Southern Farm Bureau is the most expensive pick at $1,231.
| Company | Annual Rate |
|---|---|
| Erie | $813 |
| Vermont Mutual | $839 |
| Tennessee Farmers | $896 |
| Acuity | $953 |
| USAA | $977 |
| Country | $1,075 |
| Arbella | $1,109 |
| Plymouth Rock Insurance | $1,127 |
| American Family | $1,147 |
| Amica | $1,227 |
| Southern Farm Bureau | $1,231 |
Vermont Mutual provides the most affordable 2011 BMW X3 insurance rate, with an annual premium of just $756. Meanwhile, Southern Farm Bureau offers the most expensive option on the list, with coverage costing up to $1,127 per year.
| Company | Annual Rate |
|---|---|
| Vermont Mutual | $756 |
| Erie | $778 |
| Arbella | $845 |
| Tennessee Farmers | $847 |
| Acuity | $878 |
| USAA | $964 |
| Country | $994 |
| Amica | $1,072 |
| American Family | $1,095 |
| Plymouth Rock Insurance | $1,113 |
| Southern Farm Bureau | $1,127 |
Crash test rating is another factor that determines the BMW X3 auto insurance rate. Let's take a look at the ratings:
| Vehicle Year and Model | Overall Rating | Front Driver and Passenger | Side Driver and Passenger | 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 |
| 2019 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 BMW X3 SUV RWD | 5 stars | 5 stars | 5 stars | 4 stars |
The BMW X3 comes with a range of safety features, which can help reduce the insurance rates when you apply.
Some of the installed features include:
The safety rating is another important factor in determining the BMW X3 auto insurance rate, and here are the details about it.
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Head restraints and seats | Good |
| Roof strength | Good |
| Side strength | Good |
| Moderate overlap front | Good |
| Small overlap front: passenger side | Good |
| Small overlap front: driver-side | Good |
Drive safely: Rash and careless driving can often stay on your record. Insurance companies will charge you a higher premium if you have a history of at-fault accidents.
Improve your credit score: Applicants with excellent credit scores (more than 700) can save as much as $250 or more annually compared to those with lower credit scores.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your BMW X3.
Ask for relevant discounts: Ask for loyalty discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
Bundle insurance policies: You can save even more by bundling your auto and home insurance policies.
Simply download the Way app or head to the Way.com website and find out the cheapest BMW X3 car insurance cost! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your BMW X3 – all in as little as 60 seconds!
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
An entry-level BMW model will cost you roughly $43,000, while high-end models like the X3 M cost as much as $70,000.
The BMW has been rated as a great addition to the BMW stable, giving all other luxury brands a run for their money. They're dependable both on-road and off-road, with superb handling and safety features. However, it is also pretty expensive, starting at $45,000 and high-end prices reaching $70,000.
Yes, the official recommendation from BMW is that you only use premium-unleaded fuel in the BMW X3. You can still fill your tank with lower-quality gas, but it won't be able to maintain peak performance for a long time.
The average cost of insuring a BMW X3 is roughly $1776/year.
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