BMW X3 Insurance Cost
- BMW X3 insurance costs range from $23 to $88 per month
- Allied offers the cheapest coverage
- See more average rates from GEICO, Allstate, USAA and other companies below
Ready for your own personalized rates? Enter your ZIP code to get started.
BMW X3 Insurance cost
- Average insurance cost: $154/month
- Cheapest insurance company: Allied ($78/month)
- X3 insurance rate vs. average vehicle insurance rate: $25 more expensive than the average vehicle
The estimates below and above are based on our sample driver profile — a 30-year-old single male driving a BMW X3 with full coverage. Depending on your coverage level, driving history and state, your individual costs will vary.
How much does it cost to insure my BMW X3?
We work with the top insurance companies to find you the best coverage. Let us do the hard work.
No spam emails or phone calls. We never sell your information. We mean it.
Our brand agnostic agents are ready to help you find and purchase the perfect policy.
2020 BMW X3
Cheapest Insurance Companies
Average Annual Cost
$936
Vermont Mutual
$1,289
Tennessee Farmers
$1,314
$1,331
$1,487
$1,491
$1,535
Country
$1,549
$1,644
Arbella
$1,672
$1,678
Auto Owners
$1,689
Compare all 2020 BMW X3 insurance rates.
Average Cost to Insure Per Year
$1,845List Price
$41,950Trims Available
sDrive30i, xDrive30i, xDrive30e, M40i
2019 BMW X3
Cheapest Insurance Companies
Average Annual Cost
$1,208
Auto Owners
$1,293
Erie
$1,363
Nationwide
$1,371
Plymouth Rock Insurance
$1,389
Country
$1,479
$1,519
American Family
$1,532
Acuity
$1,623
Arbella
$1,629
Progressive
$1,670
Southern Farm Bureau
$1,682
Compare all 2019 BMW X3 insurance rates.
Average Cost to Insure Per Year
$1,887List Price
$41,000Trims Available
sDrive30i, xDrive30i, M40i
2017 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Erie
$1,035
GEICO
$1,097
Vermont Mutual
$1,204
Progressive
$1,251
Allied
$1,262
Acuity
$1,266
USAA
$1,283
Nationwide
$1,309
Country
$1,326
Arbella
$1,372
Plymouth Rock Insurance
$1,373
$1,410
Compare all 2017 BMW X3 insurance rates.
Average Cost to Insure Per Year
$1,981List Price
$40,050Trims Available
sDrive28i, xDrive28i, xDrive28d, xDrive35i
2016 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Allied
$822
Vermont Mutual
$1,104
Nationwide
$1,136
Erie
$1,220
21st Century
$1,372
Country
$1,386
USAA
$1,396
American Family
$1,400
Tennessee Farmers
$1,425
Arbella
$1,432
GEICO
$1,468
Auto Owners
$1,497
Compare all 2016 BMW X3 insurance rates.
Average Cost to Insure Per Year
$1,813List Price
$38,950Trims Available
sDrive28i, xDrive28i, xDrive28d, xDrive35i
2015 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Erie
$953
Tennessee Farmers
$1,051
Vermont Mutual
$1,076
Acuity
$1,169
USAA
$1,170
GEICO
$1,194
Country
$1,238
Allied
$1,283
Arbella
$1,288
Progressive
$1,311
Plymouth Rock Insurance
$1,318
Nationwide
$1,375
Compare all 2015 BMW X3 insurance rates.
Average Cost to Insure Per Year
$2,114List Price
$38,500Trims Available
sDrive28i, xDrive28i, xDrive28d, xDrive35i
2014 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Erie
$987
Vermont Mutual
$1,050
Tennessee Farmers
$1,054
Acuity
$1,121
USAA
$1,180
Country
$1,229
Allied
$1,230
Arbella
$1,270
GEICO
$1,286
Plymouth Rock Insurance
$1,287
Nationwide
$1,373
American Family
$1,399
Compare all 2014 BMW X3 insurance rates.
Average Cost to Insure Per Year
$2,466List Price
$39,800Trims Available
xDrive28i, xDrive35i
2013 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Erie
$911
Vermont Mutual
$1,001
Tennessee Farmers
$1,019
USAA
$1,085
Acuity
$1,099
GEICO
$1,152
Arbella
$1,193
Country
$1,207
Plymouth Rock Insurance
$1,224
Allied
$1,241
American Family
$1,282
Progressive
$1,331
Compare all 2013 BMW X3 insurance rates.
Average Cost to Insure Per Year
$2,149List Price
$38,500Trims Available
xDrive28i, xDrive35i
2012 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Erie
$885
Vermont Mutual
$911
Tennessee Farmers
$968
Acuity
$1,025
USAA
$1,049
Country
$1,147
GEICO
$1,156
Arbella
$1,181
Plymouth Rock Insurance
$1,199
American Family
$1,219
Allied
$1,263
Amica
$1,299
Compare all 2012 BMW X3 insurance rates.
Average Cost to Insure Per Year
$2,335List Price
$37,100Trims Available
xDrive28i, xDrive35i
2011 BMW X3
Cheapest Insurance Companies
Average Annual Cost
Vermont Mutual
$828
Erie
$850
Arbella
$917
Tennessee Farmers
$919
Acuity
$950
USAA
$1,036
GEICO
$1,057
Country
$1,066
Amica
$1,144
American Family
$1,167
Plymouth Rock Insurance
$1,185
Southern Farm Bureau
$1,199
Compare all 2011 BMW X3 insurance rates.
Average Cost to Insure Per Year
$2,285List Price
$36,750Trims Available
xDrive28i, xDrive35i