BMW X3 vs Infiniti QX60 Insurance Cost
The Infiniti QX60 is cheaper to insure by about $15 a year for full coverage by our estimate ($1,565 vs. $1,550), and cheaper in 37 of 51 states.
Side-by-side insurance estimate
| Coverage | BMW X3 | Infiniti QX60 | Difference |
|---|---|---|---|
| State minimum | $585 | $545 | +$40 |
| Standard (100/300/100) | $845 | $795 | +$50 |
| Full coverage | $1,565 | $1,550 | +$15 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X3 minus QX60.
Why one costs more to insure
| Factor | BMW X3 | Infiniti QX60 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Diesel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 108 | 105 |
| HLDI comprehensive | 92 | 100 |
| HLDI property damage liability | 94 | 84 |
| HLDI bodily injury liability | 95 | 89 |
| NHTSA overall rating | 4★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 11 | 1 |
Collision losses are the biggest swing factor: the BMW X3 has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
X3 vs QX60 insurance by state
By driver profile (full coverage)
| Driver | X3 | QX60 |
|---|---|---|
| Teen driver (18, own policy) | $4,310 | $4,270 |
| Young adult (22) | $2,505 | $2,485 |
| Adult in their 30s | $1,565 | $1,550 |
| Adult in their 50s | $1,440 | $1,430 |
| Senior (72) | $1,755 | $1,740 |
| 30s, one at-fault accident | $2,270 | $2,250 |
| 30s, DUI on record | $2,900 | $2,870 |
More comparisons
Frequently asked questions
Is the BMW X3 or the Infiniti QX60 cheaper to insure?
By our estimate the Infiniti QX60 is cheaper, by about $15 a year for full coverage ($1,565 vs. $1,550) for a driver in their 30s with a clean record.
Why does insurance cost differ between the BMW X3 and Infiniti QX60?
Mostly because of insurance-loss history: HLDI collision indices of 108 vs. 105 and comprehensive indices of 92 vs. 100 (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.