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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW X3 is $187.73 — or, more than $2,250 yearly. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2011 BMW X3 | $120.57 | $110.48 | $166.73 | $160.48 | $139.57 |
| 2016 BMW X3 | $114.24 | $131.73 | $209.45 | $201.57 | $164.25 |
| 2021 BMW X3 | $114.41 | $153.36 | $267.80 | $215.35 | $187.73 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may be different based on details such as your age, location, job type, annual mileage and more.
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Shopping for auto insurance is a necessary evil of vehicle ownership. Many insurers use similar terminology, even though policies and coverage can vary drastically depending on your choice of provider.
However, coverage is mandatory in almost every state, meaning you won’t be able to avoid it. That being said, finding the right policy is much easier when you know what to look for.
Here are a few characteristics to consider when shopping around.
Insurance providers consider your chances of filing claims and the cost of paying them out when calculating your premiums. While your driving history and location can affect your risk, the vehicle you drive often plays a much larger role. This is because vehicle performance, safety features, repair costs and other factors can all vary depending on your make, model and build options.
Here’s how the X3 measures up:
The BMW X3 achieves an inexpensive insurance rate compared to other luxury SUVs. Pair the X3’s insurance cost with its entry-level luxury price tag, and you get lower ownership costs than you’d expect for a BMW.
| Models similar to BMW X3 | Monthly insurance cost | Car value | Safety rating by NHTSA | Theft rate |
|---|---|---|---|---|
| BMW X3 | $187.73 | $43,995 | 5-star | 0.6 |
| BMW X5 | $199.90 | $60,395 | 4-star | 0 |
| Mercedes-Benz GLE Class | $199.41 | $55,800 | Not rated | Not available |
| Lincoln Aviator | – | $52,665 | 5-star | Not available |
| Volvo XC90 | – | $50,095 | 5-star | Not available |
We found 2021 car values from Car and Driver’s car model reviews. We also found safety ratings and theft rates from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model or model year for safety and number of thefts.
You could save money on car insurance for your BMW X3 if it comes equipped with these safety features.
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the BMW X3:
The BMW X3 received the 2018 IIHS top safety pick, indicating that it is one of the safest vehicles in its class. It also has great safety ratings and a number of safety features that could help to reduce the cost of insurance.
According to U.S. News and J.D. Power, the 2018 BMW X3 holds a 3.5/5 star reliability rating, which is better than most vehicles in its class. With that said, parts and repairs could be expensive, so you may want to ask about the extended warranty.
The X3 is a luxury vehicle that’s designed to provide an enjoyable driving experience anywhere you take it. It can handle all sorts of terrain and driving conditions without needing much maintenance or upkeep.
However, a routine service schedule can ensure that all parts and features function properly so that you can spend more time on the road. Here’s what to expect in terms of maintenance and upkeep for the X3.
| Parts | Replacement period |
|---|---|
| Engine oil | Every 10,000 miles or 12 months |
| Fuel filters | Every 20,000 to 40,000 miles |
| Oil filter | Every 10,000 miles or 12 months |
| Air filter | Every 60,000 miles |
| Coolant | Every 10,000 miles |
| Spark plugs | Replace them every 60,000 miles |
| Brake fluid | First 30,000 miles then every 60,000 miles after that |
The X3 is backed by BMW’s standard four-year/50-000 mile warranty. This covers issues due to defective parts and service, along with free roadside assistance and a separate corrosion warranty.
The X3 is slightly above average in terms of reliability, but parts and service can be expensive if it happens to break down. While the standard warranty is great, the extended warranty can provide peace of mind after it expires. It’s available in multiple terms and includes service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.
Additionally, eligible X3 vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.
The BMW X3 has been around since 2004 and is a compact luxury SUV. The 2018 model will feature plug-in hybrid technology. The latest model was awarded 5-Star Overall Rating from the National Highway Safety Administration for safety.
The BMW X3 is luxury crossover SUV that comes equipped with a number of great features you’d expect to find on a much higher-end BMW. While it’s more reliable and safer than many other vehicles in its class, parts and service could still be expensive, which could affect the cost of coverage. However, its impressive crash test ratings and safety features could help you get discounts, but you should compare your options to find a policy and provider that’s right for you.
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