BMW X3 Insurance Cost

Full coverage for a BMW X3 costs about $1,565 a year ($131/month) by our estimate — ▼ −2% versus the average vehicle, ranking 125th cheapest of 310 current models.

BMW X3 exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

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

BMW X3 insurance cost at a glance

Full coverage

$1,565

$131/mo · $1,285–$1,850

Minimum liability

$585

$49/mo

Segment

Luxury SUV

Gasoline, Hybrid, Plug-in hybrid, Diesel

HLDI collision losses

108

Worse than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the BMW X3.

Estimated BMW X3 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$585	$49	$480–$690
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$845	$71	$695–$1,000
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,565	$131	$1,285–$1,850

What drives the cost of insuring a BMW X3

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The BMW X3's results put our vehicle factor at 0.95× for liability, 1.13× for collision and 0.98× for comprehensive.

HLDI relative insurance losses — BMW X3 4dr (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	108	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	92	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	94	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	95	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	72	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	98	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
BMW X3 4dr	108	92	94	95
BMW X3 4dr 4WD	104	108	87	72
BMW X3 M 4dr 4WD	255	276	103	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 11 NHTSA recall campaigns and 89 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

BMW X3 trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
X3 M50	AWD	3.0L 6-cyl Turbo Hybrid	27
X3 xDrive30	AWD	2.0L 4-cyl Turbo Hybrid	29

BMW X3 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	27–29	$1,565
2025	2.0L 4-cyl Turbo Hybrid, 3.0L 4-cyl Turbo Hybrid	AWD	27–29	$1,535
2024	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	17–25	$1,500
2023	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	17–25	$1,465
2022	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	17–25	$1,430
2021	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo	AWD, RWD	16–27	$1,395
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo	AWD, RWD	16–27	$1,365
2019	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	23–26	$1,330
2018	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD	23–25	$1,295
2017	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	21–24	$1,260
2016	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Turbo	AWD, RWD	21–30	$1,225
2015	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Turbo	AWD, RWD	21–30	$1,225
2014	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD	21–24	$1,225
2013	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD	21–24	$1,225
2012	3.0L 6-cyl, 3.0L 6-cyl Turbo	AWD	21	$1,225
2011	3.0L 6-cyl, 3.0L 6-cyl Turbo	AWD	21	$1,225
2010	3.0L 6-cyl	AWD	19–20	$1,225
2009	3.0L 6-cyl	4WD/AWD	19–20	$1,225
2008	3.0L 6-cyl	4WD/AWD	19–20	$1,225
2007	3.0L 6-cyl	4WD/AWD	19–20	$1,225

BMW X3 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the X3 page for that state.

State	Full coverage	Minimum	vs. national	X3 page
Alabama	$1,370	$455	−12%	X3 in AL
Alaska	$1,380	$595	−12%	X3 in AK
Arizona	$1,635	$630	+4%	X3 in AZ
Arkansas	$1,390	$425	−11%	X3 in AR
California	$1,550	$545	−1%	X3 in CA
Colorado	$1,775	$620	+13%	X3 in CO
Connecticut	$1,660	$675	+6%	X3 in CT
Delaware	$1,730	$765	+11%	X3 in DE
District of Columbia	$1,985	$705	+27%	X3 in DC
Florida	$2,205	$1,025	+41%	X3 in FL
Georgia	$1,920	$830	+23%	X3 in GA
Hawaii	$1,090	$415	−30%	X3 in HI
Idaho	$1,065	$380	−32%	X3 in ID
Illinois	$1,365	$475	−13%	X3 in IL
Indiana	$1,120	$385	−28%	X3 in IN
Iowa	$1,070	$295	−32%	X3 in IA
Kansas	$1,255	$385	−20%	X3 in KS
Kentucky	$1,315	$500	−16%	X3 in KY
Louisiana	$2,160	$755	+38%	X3 in LA
Maine	$1,005	$405	−36%	X3 in ME
Maryland	$1,755	$715	+12%	X3 in MD
Massachusetts	$1,545	$565	−1%	X3 in MA
Michigan	$1,715	$730	+10%	X3 in MI
Minnesota	$1,310	$445	−16%	X3 in MN
Mississippi	$1,500	$505	−4%	X3 in MS
Missouri	$1,425	$485	−9%	X3 in MO
Montana	$1,255	$375	−20%	X3 in MT
Nebraska	$1,260	$385	−19%	X3 in NE
Nevada	$1,780	$825	+14%	X3 in NV
New Hampshire	$1,120	$380	−28%	X3 in NH
New Jersey	$1,870	$890	+19%	X3 in NJ
New Mexico	$1,410	$495	−10%	X3 in NM
New York	$2,085	$885	+33%	X3 in NY
North Carolina	$1,180	$425	−25%	X3 in NC
North Dakota	$1,015	$265	−35%	X3 in ND
Ohio	$1,125	$385	−28%	X3 in OH
Oklahoma	$1,415	$450	−10%	X3 in OK
Oregon	$1,395	$595	−11%	X3 in OR
Pennsylvania	$1,375	$405	−12%	X3 in PA
Rhode Island	$1,885	$780	+20%	X3 in RI
South Carolina	$1,660	$695	+6%	X3 in SC
South Dakota	$1,205	$300	−23%	X3 in SD
Tennessee	$1,310	$430	−16%	X3 in TN
Texas	$1,860	$660	+19%	X3 in TX
Utah	$1,415	$620	−10%	X3 in UT
Vermont	$1,030	$300	−34%	X3 in VT
Virginia	$1,350	$595	−14%	X3 in VA
Washington	$1,360	$560	−13%	X3 in WA
West Virginia	$1,315	$415	−16%	X3 in WV
Wisconsin	$1,075	$355	−31%	X3 in WI
Wyoming	$1,235	$310	−21%	X3 in WY

BMW X3 insurance by driver profile

Estimated annual BMW X3 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,605	$2,330	$4,310	$359
Young adult (22)	$935	$1,355	$2,505	$209
Adult in their 30s	$585	$845	$1,565	$130
Adult in their 50s	$535	$780	$1,440	$120
Senior (72)	$655	$950	$1,755	$146
30s, one at-fault accident	$845	$1,225	$2,270	$189
30s, DUI on record	$1,080	$1,565	$2,900	$242

BMW X3 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
BMW X3	$1,565	108	92	—
Audi Q5	$1,500	119	105	Compare
Infiniti QX60	$1,550	105	100	Compare
Land Rover Range Rover Evoque	$1,635	128	113	Compare

Estimate BMW X3 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other BMW models

2 Series $1,630/yr
4 Series $1,670/yr
5 Series $1,490/yr
7 Series $3,710/yr
i5 $2,085/yr
i7 $2,795/yr
iX3 $1,895/yr
M2 $2,260/yr
M3 $4,190/yr
M4 $4,260/yr
M5 $1,820/yr
X1 $1,560/yr
X2 $1,805/yr
X5 $1,690/yr
X6 $2,305/yr
X7 $1,915/yr
3 Series $1,880/yr
8 Series $2,610/yr
i4 $1,920/yr
iX $2,310/yr
XM $2,985/yr
Z4 $1,320/yr
M8 $3,945/yr
X4 $1,745/yr
i3 $1,565/yr
i8 $1,810/yr
6 Series $1,480/yr
M6 $1,755/yr
1 Series $1,580/yr
ActiveE $1,390/yr

All BMW insurance costs →

Frequently asked questions

How much is insurance for a BMW X3?

We estimate about $1,565 a year ($131 a month) for full coverage and $585 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% less than the average vehicle.

Is the BMW X3 expensive to insure?

HLDI insurance-loss data rates it at 108 for collision and 92 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a BMW X3?

Maine has the lowest estimate (about $1,005 a year for full coverage) and Florida the highest (about $2,205).

What is the BMW X3's NHTSA safety rating?

The 2026 BMW X3 earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the BMW X3 cheaper to insure than the Audi Q5?

By our estimate the BMW X3 costs about $1,565 a year versus $1,535 for the Audi Q5, making the Audi Q5 cheaper to insure.

How much is BMW X3 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,310 a year at national-average rates by our estimate.

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