BMW X3 Insurance: by Model Year & Company

BMW X3 insurance costs an average of $1,043 for a 6-month full coverage policy. Nationwide offers the cheapest rate for the latest BMW X3 at $159/mo or $956 for a 6-month full coverage policy.

Shopping around? Use our calculator to compare average insurance rates by vehicle.
Know your vehicle? Get a personalized quote by entering your zip code.

What to know about insuring a BMW X3:

The X3 costs less to insure than most SUVs. Averaging $174/mo for the X3 versus $184/mo for typical SUVs.
If you're considering a vehicle similar to the X3, like the BMW X3 M ($291/mo), BMW 1 Series ($138/mo), or BMW 6 Series ($248/mo), your insurance costs will be about the same.
Progressive ($131/mo), American Family ($135/mo), USAA ($147/mo) offer the cheapest full coverage rates.

The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.

Compare BMW X3 insurance costs vs other vehicles

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2025 BMW X3

Av. Cost Per Year$2,779

Av. Per Month$232

Cheapest Companies

USAA$102/m

American Family$107/m

Erie$111/m

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How much does it cost to insure my BMW X3?

Select your model year:

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2025 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Nationwide	$1,912
Progressive	$1,996
American Family	$2,153
State Farm	$2,514
USAA	$2,527
Erie	$2,667
GEICO	$2,902
Farmers	$3,755
Allstate	$4,277

Compare all 2025 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,779

2024 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,702
American Family	$1,977
Nationwide	$2,085
USAA	$2,178
State Farm	$2,499
Erie	$2,547
GEICO	$2,647
Farmers	$3,359
Allstate	$4,060

Compare all 2024 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,590

2023 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,677
American Family	$1,908
Nationwide	$2,148
State Farm	$2,270
USAA	$2,294
Erie	$2,506
GEICO	$2,536
Farmers	$3,168
Allstate	$3,932

Compare all 2023 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,528

2022 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,639
American Family	$1,835
Nationwide	$2,116
USAA	$2,154
State Farm	$2,185
Erie	$2,369
GEICO	$2,460
Farmers	$3,011
Allstate	$3,678

Compare all 2022 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,421

2021 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,586
American Family	$1,761
USAA	$2,049
Nationwide	$2,062
State Farm	$2,185
Erie	$2,288
GEICO	$2,309
Farmers	$2,882
Allstate	$3,598

Compare all 2021 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,334

2020 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,528
American Family	$1,692
USAA	$1,939
Nationwide	$2,073
State Farm	$2,083
GEICO	$2,220
Erie	$2,332
Farmers	$2,730
Allstate	$3,382

Compare all 2020 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,240

2019 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,473
American Family	$1,632
USAA	$1,850
State Farm	$1,985
Nationwide	$2,090
GEICO	$2,128
Erie	$2,190
Farmers	$2,627
Allstate	$3,161

Compare all 2019 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,148

2018 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,684
American Family	$1,698
USAA	$1,780
State Farm	$1,944
Erie	$2,079
GEICO	$2,131
Nationwide	$2,150
Farmers	$2,621
Allstate	$2,877

Compare all 2018 BMW X3 insurance rates.

Average Cost to Insure Per Year

$2,128

2017 BMW X3

Cheapest Insurance Companies	Average Annual Cost
American Family	$1,521
Progressive	$1,525
USAA	$1,559
State Farm	$1,850
Erie	$1,901
Nationwide	$2,054
GEICO	$2,062
Farmers	$2,409
Allstate	$2,450

Compare all 2017 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,954

2016 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,397
American Family	$1,466
USAA	$1,495
State Farm	$1,791
GEICO	$1,993
Erie	$1,994
Nationwide	$2,133
Farmers	$2,331
Allstate	$2,404

Compare all 2016 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,906

2015 BMW X3

Cheapest Insurance Companies	Average Annual Cost
Progressive	$1,374
American Family	$1,416
USAA	$1,423
State Farm	$1,735
Erie	$1,864
Nationwide	$1,883
GEICO	$1,929
Allstate	$2,254
Farmers	$2,285

Compare all 2015 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,810

2014 BMW X3

Cheapest Insurance Companies	Average Annual Cost
American Family	$1,369
USAA	$1,401
Progressive	$1,455
Erie	$1,637
State Farm	$1,739
Nationwide	$1,849
GEICO	$1,906
Allstate	$2,236
Farmers	$2,319

Compare all 2014 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,800

2013 BMW X3

Cheapest Insurance Companies	Average Annual Cost
American Family	$1,328
USAA	$1,349
Progressive	$1,454
Erie	$1,555
State Farm	$1,654
Nationwide	$1,752
GEICO	$1,820
Farmers	$2,205
Allstate	$2,219

Compare all 2013 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,738

2012 BMW X3

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,235
American Family	$1,259
Erie	$1,507
Progressive	$1,524
State Farm	$1,591
GEICO	$1,658
Nationwide	$1,816
Farmers	$2,103
Allstate	$2,150

Compare all 2012 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,677

2011 BMW X3

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,221
American Family	$1,280
Erie	$1,329
Progressive	$1,477
State Farm	$1,559
GEICO	$1,608
Nationwide	$1,808
Farmers	$2,024
Allstate	$2,097

Compare all 2011 BMW X3 insurance rates.

Average Cost to Insure Per Year

$1,636