Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Bmw X3 is $1,922 per year or $160 per month. However, these rates can vary depending on your location, driving history, age, and other factors.
The auto insurance rates also change based on the vehicle’s model year. For example, the 2020 Bmw X3 costs $1,922 per year, whereas the 2019 Bmw X3 costs $1,945 annually. State Farm offers the cheapest annual rate for 2020 Bmw X3 $1,465 per year.
Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.
Average insurance cost of Bmw X3 by model year
Graph
Table
| Year of Bmw X3 Model | Average 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) |
|---|---|---|---|---|
| Allstate | 2WD 4 Door SUV Turbo | $2,433 | $683 | $610 |
| Geico | 2WD 4 Door SUV Turbo | $1,669 | $488 | $346 |
| Farmers | 2WD 4 Door SUV Turbo | $2,349 | $1,048 | $900 |
| Nationwide | 2WD 4 Door SUV Turbo | $2,746 | $1,004 | $741 |
| Progressive | 2WD 4 Door SUV Turbo | $1,268 | $385 | $275 |
| State Farm | 2WD 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
| Rank | Companies | Average Premium |
|---|---|---|
| 1 | State Farm | $1,465 |
| 2 | Geico | $1,496 |
| 3 | Progressive | $1,527 |
| 4 | Nationwide | $1,953 |
| 5 | Farmers | $2,200 |
| 6 | Allstate | $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
| Rank | Companies | Average Premium |
|---|---|---|
| 1 | Geico | $1,353 |
| 2 | State Farm | $1,528 |
| 3 | Progressive | $1,780 |
| 4 | Nationwide | $2,028 |
| 5 | Farmers | $2,263 |
| 6 | Allstate | $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
| Rank | Companies | Average Premium |
|---|---|---|
| 1 | Geico | $1,369 |
| 2 | State Farm | $1,477 |
| 3 | Nationwide | $1,715 |
| 4 | Progressive | $1,791 |
| 5 | Farmers | $2,399 |
| 6 | Allstate | $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
| Rank | Companies | Average Premium |
|---|---|---|
| 1 | Geico | $1,324 |
| 2 | State Farm | $1,435 |
| 3 | Nationwide | $1,693 |
| 4 | Progressive | $1,737 |
| 5 | Allstate | $2,344 |
| 6 | Farmers | $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
| Rank | Companies | Average Premium |
|---|---|---|
| 1 | Geico | $1,276 |
| 2 | State Farm | $1,385 |
| 3 | Nationwide | $1,681 |
| 4 | Progressive | $1,722 |
| 5 | Allstate | $2,256 |
| 6 | Farmers | $2,342 |
