If you’re wondering how much it will cost to insure your BMW X3 in 2025, you’re in the right place. Insurance rates for the BMW X3 vary based on your location, driving record and model year.
On average, insuring a 2023 BMW X3 costs around $2,604 annually, but the rates can vary significantly compared to older models. For instance, a 2021 X3 might cost slightly less, around $2,517 per year, while insuring a 2018 model could be even more budget-friendly at $2,317 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your BMW X3.
What is the cost to insure your BMW X3 in 2025?
On average, insuring a BMW X3 costs $212 per month – or $2,542 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for BMW X3
Nationwide offers the lowest car insurance rates for your BMW X3, with an average cost of $1,936 per year or $161 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your BMW X3.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,936 | $968 | $161 |
| State Farm | $2,117 | $1,059 | $176 |
| Geico | $2,281 | $1,140 | $190 |
| Progressive | $2,440 | $1,220 | $203 |
| Farmers | $3,016 | $1,508 | $251 |
| Allstate | $3,488 | $1,744 | $291 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare BMW X3 car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 BMW X3 generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a comparison of average annual insurance costs for different model years of the BMW X3. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,894 | $947 | $158 |
| 2015 | $1,969 | $984 | $164 |
| 2016 | $2,027 | $1,014 | $169 |
| 2017 | $2,111 | $1,055 | $176 |
| 2018 | $2,317 | $1,159 | $193 |
| 2019 | $2,259 | $1,130 | $188 |
| 2020 | $2,445 | $1,222 | $204 |
| 2021 | $2,517 | $1,258 | $210 |
| 2022 | $2,517 | $1,259 | $210 |
| 2023 | $2,604 | $1,302 | $217 |
BMW X3 car insurance rates for different trims
A BMW X3’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims, such as the X3 XDrive M40i, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the BMW X3.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| X3 SDrive 30i | $2,408 | $1,204 | $201 |
| X3 XDrive 30i | $2,482 | $1,241 | $207 |
| X3 XDrive M40i | $2,930 | $1,465 | $244 |
BMW X3 insurance rates: State-by-state breakdown
The cost of insuring a BMW X3 vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the BMW X3 by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,289 | $1,144 | $191 |
| Alabama | $2,377 | $1,188 | $198 |
| Arkansas | $2,753 | $1,377 | $229 |
| Arizona | $2,381 | $1,190 | $198 |
| California | $3,033 | $1,516 | $253 |
| Colorado | $3,208 | $1,604 | $267 |
| Connecticut | $2,594 | $1,297 | $216 |
| Washington, D.C. | $3,079 | $1,539 | $257 |
| Delaware | $2,552 | $1,276 | $213 |
| Florida | $2,971 | $1,486 | $248 |
| Georgia | $2,912 | $1,456 | $243 |
| Hawaii | $1,572 | $786 | $131 |
| Iowa | $2,165 | $1,082 | $180 |
| Idaho | $1,629 | $814 | $136 |
| Illinois | $2,384 | $1,192 | $199 |
| Indiana | $2,277 | $1,138 | $190 |
| Kansas | $2,679 | $1,339 | $223 |
| Kentucky | $3,317 | $1,659 | $276 |
| Louisiana | $4,238 | $2,119 | $353 |
| Massachusetts | $2,446 | $1,223 | $204 |
| Maryland | $2,401 | $1,201 | $200 |
| Maine | $1,774 | $887 | $148 |
| Michigan | $3,101 | $1,551 | $258 |
| Minnesota | $2,710 | $1,355 | $226 |
| Missouri | $3,028 | $1,514 | $252 |
| Mississippi | $2,921 | $1,461 | $243 |
| Montana | $2,757 | $1,378 | $230 |
| North Carolina | $2,134 | $1,067 | $178 |
| North Dakota | $2,278 | $1,139 | $190 |
| Nebraska | $2,711 | $1,355 | $226 |
| New Hampshire | $1,964 | $982 | $164 |
| New Jersey | $2,450 | $1,225 | $204 |
| New Mexico | $2,622 | $1,311 | $218 |
| Nevada | $2,410 | $1,205 | $201 |
| New York | $1,917 | $958 | $160 |
| Ohio | $1,840 | $920 | $153 |
| Oklahoma | $2,686 | $1,343 | $224 |
| Oregon | $2,387 | $1,193 | $199 |
| Pennsylvania | $2,632 | $1,316 | $219 |
| Rhode Island | $2,979 | $1,490 | $248 |
| South Carolina | $2,354 | $1,177 | $196 |
| South Dakota | $3,077 | $1,539 | $256 |
| Tennessee | $2,813 | $1,406 | $234 |
| Texas | $3,609 | $1,804 | $301 |
| Utah | $2,025 | $1,013 | $169 |
| Virginia | $1,903 | $951 | $159 |
| Vermont | $1,956 | $978 | $163 |
| Washington | $1,997 | $998 | $166 |
| Wisconsin | $1,973 | $987 | $164 |
| West Virginia | $2,388 | $1,194 | $199 |
| Wyoming | $3,097 | $1,549 | $258 |
How your age impacts BMW X3 insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,586 | $4,793 | $799 |
| Adults | $2,542 | $1,271 | $212 |
The bottom line
Knowing how much it costs to insure your BMW X3 is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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