How much is insurance on a BMW X3?
A 2024 BMW X3 runs about $2,570 a year for a typical 45-year-old, $630 more than an average 2024 car: pricier repairs outweigh fewer at-fault claims.
2024 BMW X3, national average
about $2,570 a year (about $215 a month)
roughly $1,700–$3,700
An average 2024 car: about $1,940. An older BMW X3 costs less (below).
Priced: the 2024 X3 xDrive30i (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used BMW X3, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,570 | about $880 | +$1,700 | about $7,380 |
| 2022 (4–7 years old) | about $2,370 | about $880 | +$1,560 | about $6,790 |
| 2018 (8–12 years old) | about $2,150 | about $880 | +$1,420 | about $6,160 |
| 2013 (13 or more years old) | about $1,930 | about $880 | +$1,270 | about $5,530 |
We list the BMW X3 for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 5 versions of the 2024 BMW X3 we list (X3 M, X3 M Competition, X3 M40i, X3 xDrive30i and X3 sDrive30i) all come out within about $50 of each other.
The BMW X3 for other drivers on their own policy, a year: 22–25, $3,340; 26–39, $2,850; 65 and older, $2,700.
Adding a 16-year-old with a BMW X3
A new 16-year-old driving the BMW X3 adds about $1,700 a year ($140 a month), $410 more than with an average 2024 car.
For adding a teen, the BMW X3 ranks 9th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the BMW X3 costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- about average
- Theft and weather
- higher than average
- Damage to others
- lower than average
- Injuries to others
- much lower than average
The part that fixes or replaces the BMW X3: about $1,690, against $950 for an average 2024 car (77% more). The part that pays for harm to others: about $880, against $990 for an average car (11% less).
By the EPA's size classes it's a small SUV, and it's gas-powered. The Highway Loss Data Institute groups it with midsize luxury SUVs.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to “BMW X3 4dr 4WD” in HLDI's results.
Similar midsize luxury SUVs
Among these 9 midsize luxury SUVs, the BMW X3 is the 4th most expensive to insure.
- 2024 Acura MDXabout $2,030 ($540 less)
- 2024 Lexus NXabout $2,110 ($460 less)
- 2024 Lexus RXabout $2,130 ($440 less)
- 2024 Mercedes-Benz GLC-Classabout $2,480 ($90 less)
- 2024 BMW X3about $2,570 (this car)
- 2024 Audi Q5about $2,590 (about the same)
- 2024 Tesla Model Yabout $2,690 ($120 more)
- 2024 BMW X5about $2,700 ($130 more)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.