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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 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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