Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

BMW X3 xDrive 30e car insurance rates

Average insurance cost for your X3 plug-in hybrid? $213. But how low can your rates go with Geico?

The average cost of car insurance for a 2021 BMW X3 xDrive 30e is $212.72 a month —or $2,546.04 a year. However, your actual costs depend on your driving history, car model, location and other factors.

Filter car insurance companies by states served, roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

Compare up to 4 providers

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

BMW X3 xDrive 30e car insurance rates

We pulled BMW X3 xDrive 30e car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 BMW X3 xDrive 30e is $212.72.

How do I compare insurance for the X3 xDrive 30e?

Hybrids and plug-in hybrids offer the best of both worlds: electric power with zero emissions for city driving and a conventional gasoline engine for more power on the open road. Here are considerations that could affect insurance rates:

  • Body type. The X3 xDrive 30e is a sport crossover SUV, which is pricier to insure than standard sedans but less than a sports car or full-size SUV. However, it’s considered a luxury vehicle, which can make it more expensive to repair.
  • Power. The hybrid’s total horsepower is 252, with a 0-60 mph time of 6.5 seconds and a top speed of 130 mph. These specs could lead to a higher insurance rate than more common daily drivers.
  • Fuel. The X3 xDrive 30e is a hybrid gas/electric vehicle with an expected electric range of around 31 miles from its standard 12-kilowatt battery. Its turbocharged 2.0-liter I-4 engine gives it a combined fuel consumption of a whopping 98 mpg.
  • Theft rates. The BMW X3 series is one of the least stolen vehicles on the market, which helps keep insurance rates low.
  • Maintenance. Maintenance on the gas version X3 is low in the first few years of ownership, and BMW has a history of making solid electric cars, so expect minimal maintenance costs.
  • Coverage. With an estimated price tag of around $50,000, you’ll likely want full coverage on your vehicle, which includes liability, comprehensive and collision coverage. Also, consider buying uninsured motorist coverage, which pays out if another driver can’t cover the costs of an accident.
  • Warranty. BMW offers warranty options through its Ultimate Car program. The standard warranty includes full service for three years or 36,000 miles, with higher limits available. All options include unlimited roadside assistance while under warranty.
  • Manufacturer offer. BMW routinely offers discounts and incentives through its dealership network, which include cash back offers and low APR financing.

Does the BMW X3 xDrive 30e qualify for discounts?

The X3 xDrive 30e should qualify for the following vehicle discounts, with higher-end models offering more:

  • Antilock brake discount
  • Antitheft discount
  • Electric vehicle discount

How reliable is the BMW X3 xDrive 30e?

  • Safety. US News rated the regular 2019 BMW X3 with a 9.7 out of 10 for safety ratings. The Insurance Institute for Highway Safety (IIHS) gives the standard X3 the highest “good” rating on almost all safety categories. BMW’s other electric vehicles also receive good safety ratings, so expect the X3 xDrive 30e to receive similar high scores.
  • Reliability. BMW makes reliable vehicles and has a long line of electric cars that have held up to the demands of the road. The regular X3 has good scores for reliability on the Consumer Reports website, so expect similar strong marks for the X3 xDrive 30e.
  • Recalls. BMW hasn’t faced recalls on other electric models, so the X3 xDrive 30e should be safe from a manufacturer recall.

Bottom line

The BMW X3 xDrive 30e plug-in is the hybrid version of the carmaker’s popular X3 series. It offers reasonable insurance rates for a luxury electric crossover, mainly due to BMW’s strong manufacturing and low theft rates. You can also look for a company that offers a discount for having an electric vehicle.

Before purchasing insurance on the X3 xDrive 30e, be sure to compare different insurance companies to find one that best suits your needs.

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site