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The average BMW X3 car insurance rate for 2021 is $1,941 based on the profile of a 30-year-old driver. However, car insurance rates by state vary dramatically based on your ZIP code, among other factors. The state where you live plays a significant role in determining your insurance rate. For example, Michigan is the most expensive state for car insurance with an average insurance cost of $3,586 a year, whereas Maine has the lowest BMW X3 insurance rates for full coverage, with an annual insurance cost of $1,231 on average for drivers aged 30.

Average insurance cost of Bmw X3 by model year
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Table
Year of Bmw X3 ModelAverage Cost to Insure
2020$1,922
2019$1,945
2018$1,876
2017$1,822
2016$1,777

Compare BMW X3 Insurance Rates by State

L O A D I N G
Company Style Full Coverage(Avg) Liability Coverage(Avg) State Minimum Coverage(Avg)
Allstate2WD 4 Door SUV Turbo$2,433$683$610
Geico2WD 4 Door SUV Turbo$1,669$488$346
Farmers2WD 4 Door SUV Turbo$2,349$1,048$900
Nationwide2WD 4 Door SUV Turbo$2,746$1,004$741
Progressive2WD 4 Door SUV Turbo$1,268$385$275
State Farm2WD 4 Door SUV Turbo$2,561$843$598

2020 Bmw X3 Insurance Rates

Average Cost to Insure $1,922
Annual Cheapest Rate $1,465
Available Trims SDrive 30i, XDrive 30i, XDrive M40i
RankCompaniesAverage Premium
1State Farm$1,465
2Geico$1,496
3Progressive$1,527
4Nationwide$1,953
5Farmers$2,200
6Allstate$2,888

2019 Bmw X3 Insurance Rates

Average Cost to Insure $1,945
Annual Cheapest Rate $1,353
Available Trims SDrive 30i, XDrive 30i, XDrive M40i
RankCompaniesAverage Premium
1Geico$1,353
2State Farm$1,528
3Progressive$1,780
4Nationwide$2,028
5Farmers$2,263
6Allstate$2,715

2018 Bmw X3 Insurance Rates

Average Cost to Insure $1,876
Annual Cheapest Rate $1,369
Available Trims SDrive 30i, XDrive 30i, XDrive M40i
RankCompaniesAverage Premium
1Geico$1,369
2State Farm$1,477
3Nationwide$1,715
4Progressive$1,791
5Farmers$2,399
6Allstate$2,503

2017 Bmw X3 Insurance Rates

Average Cost to Insure $1,822
Annual Cheapest Rate $1,324
Available Trims SDrive 30i, XDrive 30i, XDrive M40i
RankCompaniesAverage Premium
1Geico$1,324
2State Farm$1,435
3Nationwide$1,693
4Progressive$1,737
5Allstate$2,344
6Farmers$2,397

2016 Bmw X3 Insurance Rates

Average Cost to Insure $1,777
Annual Cheapest Rate $1,276
Available Trims SDrive 30i, XDrive 30i, XDrive M40i
RankCompaniesAverage Premium
1Geico$1,276
2State Farm$1,385
3Nationwide$1,681
4Progressive$1,722
5Allstate$2,256
6Farmers$2,342

Compare BMW insurance rates by model

Make/ModelAnnual Rates
BMW I8$3,571/year
BMW Alpina$3,139/year
BMW 740I$2,619/year
BMW 440I$2,414/year
BMW 230I$2,015/year
BMW X1$1,641/year
BMW M4$2,924/year
BMW 530I$2,311/year
BMW 330I$2,104/year

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