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BMW X3 insurance rates

Average insurance cost for your BMW X3: $188. But how low can your rates go? See our sample quotes.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW X3 is $187.73 — or, more than $2,250 yearly. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 BMW X3$120.57$110.48$166.73$160.48$139.57
2016 BMW X3$114.24$131.73$209.45$201.57$164.25
2021 BMW X3$114.41$153.36$267.80$215.35$187.73

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, location, job type, annual mileage and more.

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How to compare insurance for the BMW X3

Shopping for auto insurance is a necessary evil of vehicle ownership. Many insurers use similar terminology, even though policies and coverage can vary drastically depending on your choice of provider.

However, coverage is mandatory in almost every state, meaning you won’t be able to avoid it. That being said, finding the right policy is much easier when you know what to look for.

Here are a few characteristics to consider when shopping around.

  • Price. It’s important to use the same information when getting quotes from providers. This will help you compare similar options to find out which provider has the best price.
  • Deductible. Your deductible amount can influence the cost of your monthly premiums. Policies with higher deductibles usually have lower premiums, whereas those with lower deductibles will cost more.
  • Minimum coverage. Outside of New Hampshire and Virginia, almost every state has mandatory coverage requirements. Before purchasing a policy, ensure your state’s minimums are met.
  • Additional coverage. Additional coverage can help protect against things that are not included in your standard policy. Be sure to include any additional coverage options when getting quotes to get a more accurate estimate.
  • Extras. Extras like accident forgiveness and vanishing deductible may be available through your provider. Find out what your policy includes and what features you’ll need to pay extra for.
  • Restrictions. Policy restrictions can limit coverage and lead to denied claims if you’re not aware of them. Ask your provider if any apply to you or your vehicle.
  • Manufacturer offer or loyalty discount. Ask your dealership if you’re eligible for any manufacturer offers or loyalty discounts with certain providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for BMW X3?

Insurance providers consider your chances of filing claims and the cost of paying them out when calculating your premiums. While your driving history and location can affect your risk, the vehicle you drive often plays a much larger role. This is because vehicle performance, safety features, repair costs and other factors can all vary depending on your make, model and build options.

Here’s how the X3 measures up:

  • Body type. The X3 is a crossover-SUV that is best suited for daily driving, road trips, and other low-risk driving activities. This could make it cheaper to insure.
  • Type of car. Like most other BMWs, the X3 is a luxury vehicle, which could increase the cost of insurance.
  • Theft. SUVs are stolen far less often than sedans and pickup trucks. The lower theft risk could bring down the cost of coverage.
  • Repairs. While the X3 has a reasonable $40,000 price tag, parts and service could still be expensive. This could make for higher premiums.
  • Safety ratings. The X3 was awarded the 2018 IIHS top safety pick and has great crash test results. Both of these factors could make coverage more affordable.
  • Fuel type. The X3 has a gas engine, which generally costs less to insure compared to diesel or electric engines.
  • Trim & packages. Adding features that improve visibility or safety can help reduce your premiums, whereas features that increase its power or price could have the opposite effect.

Compare the X3’s insurance factors to similar cars

The BMW X3 achieves an inexpensive insurance rate compared to other luxury SUVs. Pair the X3’s insurance cost with its entry-level luxury price tag, and you get lower ownership costs than you’d expect for a BMW.

Models similar to BMW X3Monthly insurance costCar valueSafety rating by NHTSATheft rate
BMW X3$187.73$43,9955-star0.6
BMW X5$199.90$60,3954-star0
Mercedes-Benz GLE Class$199.41$55,800Not ratedNot available
Lincoln Aviator$52,6655-starNot available
Volvo XC90$50,0955-starNot available

We found 2021 car values from Car and Driver’s car model reviews. We also found safety ratings and theft rates from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model or model year for safety and number of thefts.

BMW X3 money-saving safety features

You could save money on car insurance for your BMW X3 if it comes equipped with these safety features.

  • Airbags
  • Antilock brakes
  • Antitheft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the BMW X3 qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the BMW X3:

  • New car discount
  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

BMW X3 reliability & safety ratings

The BMW X3 received the 2018 IIHS top safety pick, indicating that it is one of the safest vehicles in its class. It also has great safety ratings and a number of safety features that could help to reduce the cost of insurance.

According to U.S. News and J.D. Power, the 2018 BMW X3 holds a 3.5/5 star reliability rating, which is better than most vehicles in its class. With that said, parts and repairs could be expensive, so you may want to ask about the extended warranty.

BMW X3 maintenance

The X3 is a luxury vehicle that’s designed to provide an enjoyable driving experience anywhere you take it. It can handle all sorts of terrain and driving conditions without needing much maintenance or upkeep.

However, a routine service schedule can ensure that all parts and features function properly so that you can spend more time on the road. Here’s what to expect in terms of maintenance and upkeep for the X3.

  • BMW suggests an oil change every 10,000 miles or 12 months. Depending on how you drive your vehicle, you may want to consider more frequent oil changes.
  • Oil changes should cost between $100 to $200, but your cost may vary.
  • Newer BMW models come equipped with a Condition Based Servicing system and a Service Interval Indicator. Both of these systems will monitor your vehicle and let you know when parts need replacing and when the vehicle should be brought in for service. However, here is BMWs standard maintenance schedule:
PartsReplacement period
Engine oilEvery 10,000 miles or 12 months
Fuel filtersEvery 20,000 to 40,000 miles
Oil filterEvery 10,000 miles or 12 months
Air filterEvery 60,000 miles
CoolantEvery 10,000 miles
Spark plugsReplace them every 60,000 miles
Brake fluidFirst 30,000 miles then every 60,000 miles after that

Is an extended warranty worth it for the BMW X3?

The X3 is backed by BMW’s standard four-year/50-000 mile warranty. This covers issues due to defective parts and service, along with free roadside assistance and a separate corrosion warranty.

The X3 is slightly above average in terms of reliability, but parts and service can be expensive if it happens to break down. While the standard warranty is great, the extended warranty can provide peace of mind after it expires. It’s available in multiple terms and includes service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.

Additionally, eligible X3 vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.

About the BMW X3

The BMW X3 has been around since 2004 and is a compact luxury SUV. The 2018 model will feature plug-in hybrid technology. The latest model was awarded 5-Star Overall Rating from the National Highway Safety Administration for safety.

Bottom line

The BMW X3 is luxury crossover SUV that comes equipped with a number of great features you’d expect to find on a much higher-end BMW. While it’s more reliable and safer than many other vehicles in its class, parts and service could still be expensive, which could affect the cost of coverage. However, its impressive crash test ratings and safety features could help you get discounts, but you should compare your options to find a policy and provider that’s right for you.

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