BMW X3 vs Infiniti QX30 Insurance Cost

The Infiniti QX30 is cheaper to insure by about $105 a year for full coverage by our estimate ($1,565 vs. $1,460), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	BMW X3	Infiniti QX30	Difference
State minimum	$585	$590	−$5
Standard (100/300/100)	$845	$855	−$10
Full coverage	$1,565	$1,460	+$105

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X3 minus QX30.

Why one costs more to insure

Factor	BMW X3	Infiniti QX30
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	6

X3 vs QX30 insurance by state

State	X3	QX30	Difference
Alabama	$1,370	$1,265	+$105
Alaska	$1,380	$1,280	+$100
Arizona	$1,635	$1,535	+$100
Arkansas	$1,390	$1,280	+$110
California	$1,550	$1,430	+$120
Colorado	$1,775	$1,655	+$120
Connecticut	$1,660	$1,560	+$100
Delaware	$1,730	$1,645	+$85
District of Columbia	$1,985	$1,840	+$145
Florida	$2,205	$2,105	+$100
Georgia	$1,920	$1,820	+$100
Hawaii	$1,090	$1,005	+$85
Idaho	$1,065	$990	+$75
Illinois	$1,365	$1,265	+$100
Indiana	$1,120	$1,035	+$85
Iowa	$1,070	$985	+$85
Kansas	$1,255	$1,160	+$95
Kentucky	$1,315	$1,230	+$85
Louisiana	$2,160	$2,025	+$135
Maine	$1,005	$925	+$80
Maryland	$1,755	$1,645	+$110
Massachusetts	$1,545	$1,435	+$110
Michigan	$1,715	$1,590	+$125
Minnesota	$1,310	$1,215	+$95
Mississippi	$1,500	$1,390	+$110
Missouri	$1,425	$1,320	+$105
Montana	$1,255	$1,155	+$100
Nebraska	$1,260	$1,160	+$100
Nevada	$1,780	$1,695	+$85
New Hampshire	$1,120	$1,035	+$85
New Jersey	$1,870	$1,775	+$95
New Mexico	$1,410	$1,310	+$100
New York	$2,085	$1,970	+$115
North Carolina	$1,180	$1,080	+$100
North Dakota	$1,015	$925	+$90
Ohio	$1,125	$1,040	+$85
Oklahoma	$1,415	$1,310	+$105
Oregon	$1,395	$1,320	+$75
Pennsylvania	$1,375	$1,270	+$105
Rhode Island	$1,885	$1,775	+$110
South Carolina	$1,660	$1,570	+$90
South Dakota	$1,205	$1,105	+$100
Tennessee	$1,310	$1,210	+$100
Texas	$1,860	$1,725	+$135
Utah	$1,415	$1,335	+$80
Vermont	$1,030	$940	+$90
Virginia	$1,350	$1,255	+$95
Washington	$1,360	$1,280	+$80
West Virginia	$1,315	$1,215	+$100
Wisconsin	$1,075	$995	+$80
Wyoming	$1,235	$1,125	+$110

By driver profile (full coverage)

Driver	X3	QX30
Teen driver (18, own policy)	$4,310	$4,020
Young adult (22)	$2,505	$2,340
Adult in their 30s	$1,565	$1,460
Adult in their 50s	$1,440	$1,345
Senior (72)	$1,755	$1,640
30s, one at-fault accident	$2,270	$2,120
30s, DUI on record	$2,900	$2,705

More comparisons

Frequently asked questions

Is the BMW X3 or the Infiniti QX30 cheaper to insure?

By our estimate the Infiniti QX30 is cheaper, by about $105 a year for full coverage ($1,565 vs. $1,460) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW X3 and Infiniti QX30?

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.

Sources used on this page