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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.

Compare BMW X3 Insurance Rates by State

L O A D I N G
Company Style Premium(Avg) Full Coverage(Avg) Liability Coverage(Avg) State Minimum Coverage(Avg)
Allstate Ins Grp2WD 4 Door SUV Turbo$1,242$2,433$683$610
Berkshire Hathaway Grp2WD 4 Door SUV Turbo$834$1,669$488$346
Farmers Ins Grp2WD 4 Door SUV Turbo$1,432$2,349$1,048$900
Nationwide Corp Grp2WD 4 Door SUV Turbo$1,497$2,746$1,004$741
Progressive Grp2WD 4 Door SUV Turbo$643$1,268$385$275
State Farm Grp2WD 4 Door SUV Turbo$1,334$2,561$843$598

2020 Bmw X3 Insurance Rates

companiesAverage Premium
Progressive Universal Ins Co$917
Artisan & Truckers Cas Co$1,081
Geico Cas Co$1,119
Farmers Ins Co Of ID$1,142
Progressive Advanced Ins Co$1,203
Progressive Paloverde Ins Co$1,224
Farmers Ins Of Columbus Inc$1,273
Progressive HI Ins Corp$1,398
Government Employees Ins Co$1,426
Farmers Ins Co Of OR$1,436
Illinois Farmers Ins Co$1,447
Progressive Classic Ins Co$1,453
Progressive Garden State Ins Co$1,464
Progressive Northwestern Ins Co$1,469
State Farm Mut Auto Ins Co$1,481
Progressive Preferred Ins Co$1,508
Progressive Specialty Ins Co$1,519
Progressive Max Ins Co$1,528
Progressive Direct Ins Co$1,562
Depositors Ins Co$1,643
Progressive Gulf Ins Co$1,666
United Financial Cas Co$1,672
Geico Gen Ins Co$1,698
Berkshire Hathaway Grp$1,704
Progressive Northern Ins Co$1,714
Mid Century Ins Co$1,732
Farmers Ins Co Inc$1,732
Geico Ind Co$1,772
Progressive Marathon Ins Co$1,787
Victoria Fire & Cas Co$1,806
State Farm Ind Co$1,851
Farmers Ins Co Of AZ$1,869
Progressive Cas Ins Co$1,909
Progressive Southeastern Ins Co$1,930
Farmers Ins Co Of WA$1,956
Allied Prop & Cas Ins Co$2,016
Progressive Select Ins Co$2,058
Farmers Ins HI Inc$2,060
Allstate NJ Prop & Cas Ins Co$2,115
Progressive Mountain Ins Co$2,213
Nationwide Mut Ins Co$2,377
Allstate Northbrook Ind Co$2,413
Nationwide Ins Co Of Amer$2,490
Nationwide Affinity Co of Amer$2,540
Nationwide Agribusiness Ins Co$2,549
Allstate Ins Co$2,684
21st Century Centennial Ins Co$2,695
Allstate Ind Co$2,698
Nationwide Prop & Cas Ins Co$2,796
Allstate Fire & Cas Ins Co$2,854
Farmers Ins Exch$2,924
Progressive Security Ins Co$2,962
Amco Ins Co$3,128
Allstate Prop & Cas Ins Co$3,154
Nationwide Mut Fire Ins Co$3,536
Colonial Cnty Mut Ins Co$7,110
Average Cost to Insure $2,026/year
Cheapest Rate $917/year
Available Trims SDrive 30i, XDrive 30i, XDrive M40i

2019 Bmw X3 Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$714
State Farm Grp$794
Progressive Grp$1,022
Farmers Ins Grp$1,251
Nationwide Corp Grp$1,326
Allstate Ins Grp$1,369
Average Cost to Insure $1,079/year
Cheapest Rate $714/year
Available Trims SDrive 30i, XDrive 30i, XDrive M40i

2018 Bmw X3 Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$726
State Farm Grp$780
Nationwide Corp Grp$988
Progressive Grp$1,047
Farmers Ins Grp$1,296
Allstate Ins Grp$1,303
Average Cost to Insure $1,023/year
Cheapest Rate $726/year
Available Trims SDrive 30i, XDrive 30i, XDrive M40i

2017 Bmw X3 Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$721
State Farm Grp$768
Nationwide Corp Grp$990
Progressive Grp$1,040
Allstate Ins Grp$1,264
Farmers Ins Grp$1,303
Average Cost to Insure $1,014/year
Cheapest Rate $721/year
Available Trims SDrive 30i, XDrive 30i, XDrive M40i

2016 Bmw X3 Insurance Rates

companiesAverage Premium
Berkshire Hathaway Grp$705
State Farm Grp$773
Nationwide Corp Grp$988
Progressive Grp$1,044
Allstate Ins Grp$1,237
Farmers Ins Grp$1,278
Average Cost to Insure $1,004/year
Cheapest Rate $705/year
Available Trims SDrive 30i, XDrive 30i, XDrive M40i