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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?

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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.
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
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13%
All 50 states
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Progressive
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30%
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Pretected
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Yes
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The AARP Auto Insurance Program from the Hartford
Optional
Yes
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.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
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Root
52%
Available in 31 states
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Compare the X3e’s insurance factors to similar cars

Upping your BMW X3 game to the hybrid trim? You’ll pay a substantial $51 more per month to insure the XDrive30e than with the standard X3. Electrified cars tend to bring higher insurance rates because their tech costs more to repair or replace after an accident.

Models similar to BMW X3 XDrive30eMonthly insurance costCar valueSafety rating by NHTSATheft rate
BMW X3 XDrive30e$238.83$50,595Not ratedNot available
Audi Q5$44,3955-star0.54
BMW i3$198.69$45,445Not rated0
Lexus RX$46,2454-star0.5
Mercedes-Benz GLC Class$188.12$44,250Not ratedNot 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.

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.

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