BMW X3 vs Land Rover Range Rover Evoque Insurance Cost

The BMW X3 is cheaper to insure by about $70 a year for full coverage by our estimate ($1,565 vs. $1,635), 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	Land Rover Range Rover Evoque	Difference
State minimum	$585	$550	+$35
Standard (100/300/100)	$845	$800	+$45
Full coverage	$1,565	$1,635	−$70

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

Why one costs more to insure

Factor	BMW X3	Land Rover Range Rover Evoque
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Diesel	Gasoline, Hybrid
HLDI collision (100 = avg)	108	128
HLDI comprehensive	92	113
HLDI property damage liability	94	86
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	4

Collision losses are the biggest swing factor: the Land Rover Range Rover Evoque has 20 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW X3.

X3 vs Range Rover Evoque insurance by state

State	X3	Range Rover Evoque	Difference
Alabama	$1,370	$1,450	−$80
Alaska	$1,380	$1,445	−$65
Arizona	$1,635	$1,705	−$70
Arkansas	$1,390	$1,485	−$95
California	$1,550	$1,635	−$85
Colorado	$1,775	$1,870	−$95
Connecticut	$1,660	$1,715	−$55
Delaware	$1,730	$1,775	−$45
District of Columbia	$1,985	$2,080	−$95
Florida	$2,205	$2,240	−$35
Georgia	$1,920	$1,975	−$55
Hawaii	$1,090	$1,150	−$60
Idaho	$1,065	$1,120	−$55
Illinois	$1,365	$1,435	−$70
Indiana	$1,120	$1,180	−$60
Iowa	$1,070	$1,150	−$80
Kansas	$1,255	$1,345	−$90
Kentucky	$1,315	$1,370	−$55
Louisiana	$2,160	$2,250	−$90
Maine	$1,005	$1,060	−$55
Maryland	$1,755	$1,820	−$65
Massachusetts	$1,545	$1,620	−$75
Michigan	$1,715	$1,800	−$85
Minnesota	$1,310	$1,390	−$80
Mississippi	$1,500	$1,590	−$90
Missouri	$1,425	$1,505	−$80
Montana	$1,255	$1,345	−$90
Nebraska	$1,260	$1,345	−$85
Nevada	$1,780	$1,805	−$25
New Hampshire	$1,120	$1,185	−$65
New Jersey	$1,870	$1,915	−$45
New Mexico	$1,410	$1,480	−$70
New York	$2,085	$2,145	−$60
North Carolina	$1,180	$1,260	−$80
North Dakota	$1,015	$1,100	−$85
Ohio	$1,125	$1,185	−$60
Oklahoma	$1,415	$1,510	−$95
Oregon	$1,395	$1,435	−$40
Pennsylvania	$1,375	$1,460	−$85
Rhode Island	$1,885	$1,945	−$60
South Carolina	$1,660	$1,710	−$50
South Dakota	$1,205	$1,310	−$105
Tennessee	$1,310	$1,385	−$75
Texas	$1,860	$1,965	−$105
Utah	$1,415	$1,455	−$40
Vermont	$1,030	$1,100	−$70
Virginia	$1,350	$1,410	−$60
Washington	$1,360	$1,400	−$40
West Virginia	$1,315	$1,400	−$85
Wisconsin	$1,075	$1,140	−$65
Wyoming	$1,235	$1,340	−$105

By driver profile (full coverage)

Driver	X3	Range Rover Evoque
Teen driver (18, own policy)	$4,310	$4,505
Young adult (22)	$2,505	$2,620
Adult in their 30s	$1,565	$1,635
Adult in their 50s	$1,440	$1,505
Senior (72)	$1,755	$1,835
30s, one at-fault accident	$2,270	$2,375
30s, DUI on record	$2,900	$3,030

More comparisons

Frequently asked questions

Is the BMW X3 or the Land Rover Range Rover Evoque cheaper to insure?

By our estimate the BMW X3 is cheaper, by about $70 a year for full coverage ($1,565 vs. $1,635) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW X3 and Land Rover Range Rover Evoque?

Mostly because of insurance-loss history: HLDI collision indices of 108 vs. 128 and comprehensive indices of 92 vs. 113 (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