BMW X3 vs Infiniti FX35 Insurance Cost
The Infiniti FX35 is cheaper to insure by about $235 a year for full coverage by our estimate ($1,565 vs. $1,330), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | BMW X3 | Infiniti FX35 | Difference |
|---|---|---|---|
| State minimum | $585 | $590 | −$5 |
| Standard (100/300/100) | $845 | $855 | −$10 |
| Full coverage | $1,565 | $1,330 | +$235 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X3 minus FX35.
Why one costs more to insure
| Factor | BMW X3 | Infiniti FX35 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Diesel | Gasoline |
| HLDI collision (100 = avg) | 108 | — |
| HLDI comprehensive | 92 | — |
| HLDI property damage liability | 94 | — |
| HLDI bodily injury liability | 95 | — |
| NHTSA overall rating | 4★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 11 | — |
X3 vs FX35 insurance by state
By driver profile (full coverage)
| Driver | X3 | FX35 |
|---|---|---|
| Teen driver (18, own policy) | $4,310 | $3,655 |
| Young adult (22) | $2,505 | $2,125 |
| Adult in their 30s | $1,565 | $1,330 |
| Adult in their 50s | $1,440 | $1,225 |
| Senior (72) | $1,755 | $1,490 |
| 30s, one at-fault accident | $2,270 | $1,930 |
| 30s, DUI on record | $2,900 | $2,460 |
More comparisons
Frequently asked questions
Is the BMW X3 or the Infiniti FX35 cheaper to insure?
By our estimate the Infiniti FX35 is cheaper, by about $235 a year for full coverage ($1,565 vs. $1,330) for a driver in their 30s with a clean record.
Why does insurance cost differ between the BMW X3 and Infiniti FX35?
Mostly because of insurance-loss history: HLDI collision indices of 108 vs. n/a and comprehensive indices of 92 vs. n/a (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.