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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a BMW X3 is $3,151 per year or $263 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2025 BMW X3 costs $3,151, whereas the 2024 BMW X3 costs $2,977 annually. This is $174 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 BMW X3 at $1,990 per year.
Below, we'll look at BMW X3 insurance rates and show you how to save.
Average insurance cost of BMW X3 by model year
| Year of BMW X3 model | Average cost to insure |
|---|---|
| 2025 | $3,151 |
| 2024 | $2,977 |
| 2023 | $2,942 |
| 2022 | $2,825 |
| 2021 | $2,774 |
Compare X3 insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $1,809 |
| State Farm | $2,028 |
| Travelers | $2,464 |
| UAIC | $2,716 |
| GEICO | $3,362 |
| Farmers | $3,838 |
| Progressive | $4,029 |
| Allstate | $4,082 |
| Mercury Insurance | $4,286 |
| AIG | $6,087 |
BMW X3 insurance rates per year
2025 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,990 2 State Farm $2,660 3 GEICO $2,688 4 Nationwide $2,738 5 Progressive $3,062 6 Farmers $4,072 7 Allstate $4,156 8 USAA $2,393 2024 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,952 2 State Farm $2,359 3 Nationwide $2,442 4 GEICO $2,530 5 Progressive $2,974 6 Allstate $3,606 7 Farmers $3,866 8 USAA $2,620 2023 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,937 2 State Farm $2,301 3 Nationwide $2,449 4 GEICO $2,478 5 Progressive $2,915 6 Allstate $3,716 7 Farmers $3,915 8 USAA $2,619 2022 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,902 2 State Farm $2,220 3 GEICO $2,382 4 Nationwide $2,402 5 Progressive $2,837 6 Allstate $3,547 7 Farmers $3,803 8 USAA $2,392 2021 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,814 2 State Farm $2,265 3 GEICO $2,330 4 Nationwide $2,484 5 Progressive $2,728 6 Allstate $3,340 7 Farmers $3,921 8 USAA $2,383 2020 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,778 2 State Farm $2,169 3 GEICO $2,261 4 Nationwide $2,370 5 Progressive $2,628 6 Allstate $3,241 7 Farmers $3,696 8 USAA $2,239 2019 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,742 2 GEICO $2,052 3 State Farm $2,096 4 Nationwide $2,390 5 Progressive $2,444 6 Allstate $3,137 7 Farmers $3,233 8 USAA $2,040 2018 BMW X3 insurance rates
Rank Company Average annual premium 1 Travelers $1,726 2 State Farm $2,089 3 GEICO $2,151 4 Nationwide $2,497 5 Progressive $2,630 6 Allstate $3,084 7 Farmers $3,230 8 USAA $1,955
BMW insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage