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

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X3 Car Insurance

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.

X3 Car Insurance

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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

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Average Cost to Insure Per Year
$1,845
List Price
$41,950
Trims 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

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Average Cost to Insure Per Year
$1,887
List Price
$41,000
Trims 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

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Average Cost to Insure Per Year
$1,981
List Price
$40,050
Trims 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

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Average Cost to Insure Per Year
$1,813
List Price
$38,950
Trims 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

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Average Cost to Insure Per Year
$2,114
List Price
$38,500
Trims 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

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Average Cost to Insure Per Year
$2,466
List Price
$39,800
Trims 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

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Average Cost to Insure Per Year
$2,149
List Price
$38,500
Trims 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

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Average Cost to Insure Per Year
$2,335
List Price
$37,100
Trims 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

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Average Cost to Insure Per Year
$2,285
List Price
$36,750
Trims Available

xDrive28i, xDrive35i

Other BMW models