BMW X3 insurance group and cost

Compare car insurance costs for your BMW X3, by age and location.

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The BMW X3 is marketed as a ‘Sports Activity Vehicle’, but is also synonymous with luxury, power, and elegance. The X3 first hit the roads in 2003, an SUV model that combines efficiency and power with a spacious and comfortable interior.

BMW X3 insurance cost by driver’s age

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
sDrive 18d M Sport 5dr 23 £1,449 £841 £736 £594 Get Quote
sDrive 18d M Sport Auto 5dr 23 £1,449 £841 £736 £594 Get Quote
sDrive 18d SE 5dr 23 £1,449 £841 £736 £594 Get Quote
sDrive 18d SE Auto 5dr 23 £1,449 £841 £736 £594 Get Quote
sDrive18d SE Auto LCI 5dr 23 £1,449 £841 £736 £594 Get Quote
sDrive18d SE LCI 5dr 23 £1,449 £841 £736 £594 Get Quote
sDrive 18d SE 150 5dr 26 £1,521 £882 £773 £624 Get Quote
sDrive 18d SE 150 Auto 5dr 26 £1,521 £882 £773 £624 Get Quote
xDrive 20d 5dr 28 £1,556 £902 £791 £638 Get Quote
xDrive 20d Auto 5dr 28 £1,556 £902 £791 £638 Get Quote
xDrive 20d M Sport 5dr 28 £1,556 £902 £791 £638 Get Quote
xDrive 20d M Sport Auto 5dr 28 £1,556 £902 £791 £638 Get Quote
xDrive 20d SE 5dr 28 £1,556 £902 £791 £638 Get Quote
xDrive 20d SE Auto 5dr 28 £1,556 £902 £791 £638 Get Quote
xDrive20d M Sport LCI 5dr 28 £1,556 £902 £791 £638 Get Quote
XDrive 18d SE 5dr 30 £1,562 £906 £794 £641 Get Quote
xDrive20d SE Auto LCI 5dr 30 £1,562 £906 £794 £641 Get Quote
xDrive20d SE LCI 5dr 30 £1,562 £906 £794 £641 Get Quote
xDrive20d xLine Auto LCI 5dr 30 £1,562 £906 £794 £641 Get Quote
xDrive20d xLine LCI 5dr 30 £1,562 £906 £794 £641 Get Quote
XDrive 18d M Sport 5dr 31 £1,557 £903 £792 £639 Get Quote
xDrive20d M Sport Auto LCI 5dr 31 £1,557 £903 £792 £639 Get Quote
XDrive 20d SE 5dr 32 £1,552 £900 £789 £636 Get Quote
xDrive 30d SE Auto 5dr 32 £1,552 £900 £789 £636 Get Quote
XDrive 20d Limited Sport Edition 5dr 33 £1,550 £899 £788 £636 Get Quote
XDrive 20d M Sport 5dr 33 £1,550 £899 £788 £636 Get Quote
XDrive 20d SE Edition Exclusive 5dr 33 £1,550 £899 £788 £636 Get Quote
XDrive 20d SE Edition Premium 5dr 33 £1,550 £899 £788 £636 Get Quote
xDrive 30d M Sport Auto 5dr 33 £1,550 £899 £788 £636 Get Quote
XDrive 25i M Sport 34 £1,554 £902 £790 £638 Get Quote
XDrive 25i M Sport Auto 34 £1,554 £902 £790 £638 Get Quote
XDrive 25i SE 34 £1,554 £902 £790 £638 Get Quote
XDrive 25i SE Auto 34 £1,554 £902 £790 £638 Get Quote
XDrive 30d SE 5dr 36 £1,593 £924 £810 £653 Get Quote
XDrive 30d M Sport 5dr 37 £1,627 £944 £827 £667 Get Quote
xDrive30d SE Auto LCI 5dr 39 £1,731 £993 £870 £702 Get Quote
xDrive 35d M Sport 5dr Auto 40 £1,781 £1,018 £892 £720 Get Quote
xDrive 35d SE 5dr Auto 40 £1,781 £1,018 £892 £720 Get Quote
xDrive30d M Sport Auto LCI 5dr 40 £1,781 £1,018 £892 £720 Get Quote
xDrive30d xLine Auto LCI 5dr 40 £1,781 £1,018 £892 £720 Get Quote
M40i Auto 5dr 40 £1,781 £1,018 £892 £720 Get Quote
XDrive 35d M Sport 5dr Auto 42 £1,830 £1,062 £930 £751 Get Quote
XDrive 35sd SE Auto 42 £1,830 £1,062 £930 £751 Get Quote
xDrive35d M Sport Auto LCI 5dr 43 £1,861 £1,080 £946 £764 Get Quote

Average rates of insurance for the BMW X3

Our research indicates that you can be expected to pay an average of £56.09 each month in order to keep your X3 insured. If you’d rather pay your premiums annually it works out slightly cheaper, setting you back an average of £601.14.

Of course, every driver is different. We used the following research during our investigations:

  • Driver was a thirty-year-old male teacher from Exeter.
  • Factory standard alarm/immobiliser technology.
  • Five years no-claims bonus.
  • An average of 10,000 miles driven per year.
  • This was the only car belonging to the driver.
  • Used for social, domestic, and commuting reasons.
  • Car parked in a driveway overnight.
  • We identified the car as a 2018 model BMW X3 in all quotes.
  • Comprehensive insurance.

What factors can affect my insurance premiums?

Car insurance premiums are not a uniform figure. While researching your own car insurance options, you’ve probably been made aware the extent to which different variables and different companies can change the amount you have to pay. We’ve collated some of the major determinants in insurance premium changes for you, see below:

  • Where do you live? Insurance companies may adjust their quote if you live in an area deemed more at-risk from traffic accidents, for instance the comparison between a busy inner-city life and a car needing to be insured in a rural village.
  • Fuel type. For the BMW X3, we identified that insurance differed based on the type of fuel consumed by your vehicle. On average, petrol models were £31.36 cheaper than their diesel equivalents.
  • Mileage. How many miles do you drive a year, on average? The higher your mileage, the greater the chance you may be involved in a traffic incident requiring an insurance pay-out – and it’s in the insurance market’s job to take this into account.
  • Driver details. Are you objectively a safe driver? You might be expected to see your premiums come down if you have a long no-claims bonus and no driving convictions.
  • Transmission. Our research indicates that the transmission of your X3 may also have an impact on pricing. On average, vehicles in this model with an automatic transmission are £3.56 more expensive each month; that might not sound like a lot, but it works out at £42.72 every year!

How can I save money on my car insurance?

Everybody loves to save, and no insurance company is going to blame you for taking steps to keep your premiums low. In fact, as you’ll see below, they might actually reward you:

  • How secure are your finances? We have found that if you pay your insurance annually as opposed to in monthly instalments, you can expect to pay £71.90 less! We acknowledge, however, that this may not be financially viable for some drivers.
  • It’s definitely worth investing in additional safety features and add-ons if you can get a good deal on them. Additional measures to increase the safety or, in the case of tracking and alarm technology, security, of the occupants and the vehicle will be looked upon favourably by the insurance market. Your insurance quote will likely be brought down.
  • Conversely, however, try to avoid modifying your car in ways that do not reinforce the safety of the vehicle. While racing add-ons and engine adjustments might make the vehicle a more exciting ride, you will almost certainly be deemed a greater risk to insure – and your premiums will go up!
  • Try to be economical with how often you use your car – don’t lie when it comes to inputting your data for insurance purposes, but try to walk into town rather than drive. Not only will you bring your mileage down, you’ll be helping the planet too!

Facts about the BMW X3

  • Generally, the ‘X’ in a BMW X model refers to it being a 4×4 vehicle. One in every three cars produced by BMW belongs to the X-class.
  • The BMW X3 is actually lower on the price spectrum than other competing vehicles in the field, including the every-stylish Audi Q5.
  • The 2018 model X3 is as much as 55kg lighter than the previous X3 model!

How safe is the BMW X3?

You wouldn’t be human if you weren’t concerned about safety when driving. When it comes to the BMW X3 you have little to fear.

The 2017 crash test process conducted by Euro NCAP gave the car a perfect five-star rating, praising in particular the safety offered for the driver and passengers. There was also significant praise offered about the vehicle’s low speed automatic braking technology, which was deemed to be successful enough to prevent whiplash and other injuries to occupants.

The safety measures offered by BMW for your X3 are extensive, often packaged into a collective ‘BMW Personal Co-Pilot’ group. This includes the standard autonomous braking, but at an extra cost you could install lane-departure warning technology and software that warns the driver of impending one-way streets and cross-road traffic. Ask your insurer what extra safety and security features you can add in return for lower premiums.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £264.64 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.

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