Prachi Singh Written by Prachi Singh
Contributing Researcher

Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.


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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 $2,370 per year or $197 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 2023 Bmw X3 costs $2,370 per year, whereas the 2022 Bmw X3 costs $1,948 annually. State Farm offers the cheapest annual rate for 2023 Bmw X3 $1,686 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

Year of Bmw X3 modelAverage cost to insure
2023$2,370
2022$1,948
2021$1,873
2020$1,989
2019$1,945
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Compare Bmw X3 insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
State Farm2WD 4 Door SUV DOHC Turbo$1,570
Nationwide2WD 4 Door SUV DOHC Turbo$2,516
Geico2WD 4 Door SUV DOHC Turbo$2,627
Progressive2WD 4 Door SUV DOHC Turbo$2,734
Allstate2WD 4 Door SUV DOHC Turbo$4,563

Bmw X3 insurance rates per year

2023

2023 Bmw X3 insurance rates

Average cost to insure $2,370
Annual cheapest rate $1,686
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,686
2Nationwide$1,890
3Geico$2,192
4Progressive$2,306
5Farmers$2,702
6Allstate$3,442
2022

2022 Bmw X3 insurance rates

Average cost to insure $1,948
Annual cheapest rate $1,424
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,424
2Nationwide$1,666
3Geico$1,672
4Progressive$1,925
5Farmers$2,024
6Allstate$2,979
2021

2021 Bmw X3 insurance rates

Average cost to insure $1,873
Annual cheapest rate $1,316
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Progressive$1,316
2State Farm$1,318
3Geico$1,545
4Nationwide$1,741
5Farmers$2,219
6Allstate$3,097
2020

2020 Bmw X3 insurance rates

Average cost to insure $1,989
Annual cheapest rate $1,488
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,488
2Geico$1,496
3Progressive$1,615
4Farmers$1,841
5Nationwide$2,605
6Allstate$2,888
2019

2019 Bmw X3 insurance rates

Average cost to insure $1,945
Annual cheapest rate $1,353
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Geico$1,353
2State Farm$1,528
3Progressive$1,780
4Nationwide$2,028
5Farmers$2,263
6Allstate$2,715
2018

2018 Bmw X3 insurance rates

Average cost to insure $1,876
Annual cheapest rate $1,369
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Geico$1,369
2State Farm$1,477
3Nationwide$1,715
4Progressive$1,791
5Farmers$2,399
6Allstate$2,503
2017

2017 Bmw X3 insurance rates

Average cost to insure $1,822
Annual cheapest rate $1,324
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Geico$1,324
2State Farm$1,435
3Nationwide$1,693
4Progressive$1,737
5Allstate$2,344
6Farmers$2,397
2016

2016 Bmw X3 insurance rates

Average cost to insure $1,777
Annual cheapest rate $1,276
Available trims M XDrive, SDrive 30i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Geico$1,276
2State Farm$1,385
3Nationwide$1,681
4Progressive$1,722
5Allstate$2,256
6Farmers$2,342
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