How much is insurance on a BMW X3?

Priced for the 2024 X3 xDrive30i, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the BMW X3's rank is the same in every state.

Why the BMW X3 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the BMW X3 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 104 for crash repairs, 108 for non-crash damage, 87 for damage to others' property, and 72 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage4% worse than average5th best of the 9 midsize luxury SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% worse than average6th best of the 9 midsize luxury SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage13% better than averageworst of the 9 midsize luxury SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 28% less often than average5th best of the 7 midsize luxury SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the BMW X3 comes out about 5% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add an adjustment fitted to those prices. With it, the part of the bill that fixes the car is about 77% more than average: about $1,690 a year vs $950. On the liability side, damage to others and injury claims combine to about 22% better than average. We count about half, so that part is about 11% less: $880 a year vs $990.

How the math works

In EPA size classes, the X3 is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the BMW X3 is benchmarked against midsize luxury SUVs.

• Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “BMW X3 4dr 4WD” (HLDI, 2022–24 models).

A used BMW X3, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 X3 xDrive30i (0–3 years old)	about $2,570	about $880	+$1,700	about $7,380
2022 X3 xDrive30i (4–7 years old)	about $2,370	about $880	+$1,560	about $6,790
2018 X3 xDrive30i (8–12 years old)	about $2,120	about $800	+$1,400	about $6,090
2013 X3 xDrive28i (13 or more years old)	about $1,970	about $910	+$1,300	about $5,660

Our catalog covers the BMW X3 across model years 2006–2027. Full coverage on a used 2013 X3 (13 or more years old) runs about $1,970 a year, $600 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $910 a year. Each photo shows that year's generation of the car. Photo credits.

All 5 versions of the 2024 BMW X3 in our catalog (X3 M, X3 M Competition, X3 M40i, X3 xDrive30i and X3 sDrive30i) price within about $50 a year of each other.

On a policy of their own with a 2024 BMW X3, a 22–25-year-old pays about $3,340 a year ($770 more than a 45-year-old), a 26–39-year-old about $2,850, and a driver 65 and older about $2,700.

Adding a 16-year-old with a BMW X3

A new driver costs more with any car, and more than usual with the BMW X3: adding a 16-year-old raises the family bill by about $1,700 a year ($140 a month), $410 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $7,380 a year ($5,680 more than adding them to the family policy).

For adding a teen driver, the BMW X3 ranks 9th most expensive out of all 121 models we track. Stepping down to a used 2013 X3 (13 or more years old) brings the teen add-on to about $1,300 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize luxury SUVs

Among these 9 midsize luxury SUVs, the BMW X3 is the 4th most expensive to insure. Right next to it are the Mercedes-Benz GLC-Class (about $2,480 a year) and the Audi Q5 (about $2,590).

• 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)

Photos from Wikimedia Commons contributors. Photo credits.

What a BMW X3 costs in your state

In six sample states, a 2024 BMW X3 runs from about $1,780 a year in Hawaii through North Carolina, West Virginia, Arkansas and South Carolina to about $3,080 in Texas:

• Hawaiiabout $1,780/yr · +$1,180 teen
• North Carolinaabout $1,960/yr · +$1,290 teen
• West Virginiaabout $2,190/yr · +$1,450 teen
• Arkansasabout $2,310/yr · +$1,530 teen
• South Carolinaabout $2,710/yr · +$1,790 teen
• Texasabout $3,080/yr · +$2,040 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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