BMW X3 Auto Insurance Rates

BMW X3 auto insurance rates can range from $87 with State Farm to $162/month at Encompass. The best way to get cheap BMW X3 car insurance is to shop around and compare. Your BMW X3 auto insurance quotes will be impacted by where you live and your driving record in addition to the car insurance company you choose.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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A BMW X3 is the type of compact luxury SUV that is admired by many and loved by all who drive it. Unfortunately, those same motorists may not be too keen on the high BMW auto insurance prices they pay. Don’t let yourself be one of those people. Go ahead and read through this guide so that you know exactly what to do in order to get the lowest possible BMW X3 auto insurance rates.

If you want to buy BMW X3 auto insurance today, we can help. Enter your ZIP code now to compare affordable BMW X3 auto insurance quotes now.

A Brief History of the BMW X3

The BMW X3 is an extremely popular Crossover SUV which comes with all the luxury you would expect from a BMW. It has been in production since 2003, and doesn’t necessarily show signs of stopping anytime soon. It comes in a 5-door body style, and the Euro NCAP give it 4 out of 5 stars for both child and adult occupants. Pedestrians should watch out, though; that particular safety rating only received one out of four stars.

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BMW X3 in the News

In case you were wondering exactly how popular of a vehicle the BMW X3 is, BMW sales reports show that over 40,000 units were sold in 2017 alone. The company is projecting similar sales – if not higher ones – for this compact crossover SUV in the year to come. It is currently in its third generation, which has been praised for featuring class-leading technology, a comfortable cabin, phenomenal driving dynamics, and maintaining a luxurious aesthetic while still being a very practical vehicle to drive.

Comparing BMW X3 Auto Insurance

Do you know whether or not your state is a safe place to drive in? What about the town where you live? Are there frequent accidents, thefts, or is there a lot of terrible traffic during rush hour? All of these are questions your insurance company is asking itself when evaluating how much to charge you. Naturally, most people can’t afford to up and move to a completely different area just to get cheaper auto insurance. But you can at least get an idea of how much you should be paying by comparing average rates in your zip code.

BMW X3 Car Insurance by StateLegend: BMW X3 TennesseeKansasIllinoisDelawareRhode Island 102030405060708090100110120130$72$109$88$103$131


Auto insurance is a fairly competitive market, and one of the ways companies drum up new business is by undercutting their competition. You can benefit from this by searching for companies that are offering lower rates to new customers. You may also be able to benefit from discounts that one provider may offer that most other providers don’t. You’ll have to do a little bit of research, but at the end of the day your financial savings could be worth it.

BMW X3 Car Insurance by StateLegend: BMW X3 State FarmEncompassAllstateAlliedNationwide 153045607590105120135150$87$162$153$127$102


If good credit got you a decent price on your BMW X3 auto loan, it’ll also get you an amazing price on your BMW X3 car insurance. But if your credit is less than ideal, then you’ll need to take some steps to correct it so that you can eventually lower your auto insurance premiums. Keep a close eye on your score, get a free credit report from one of the major agencies, and make sure you follow up and correct any discretions that may be lowering your score. It may take some time, but the chart below shows the potential savings you can reap in the long run.

BMW X3 Car Insurance by StateLegend: Good Credit Poor Credit State FarmEncompassAllstateAlliedNationwide 20406080100120140160180200$87$114$162$204$153$204$127$167$102$134


You may not be able to change your location or instantly improve your credit. but you do have a choice when it comes to your car insurance provider, and switching from an expensive one to an affordable one is something you can do in a single day. The right BMW X3 auto insurance company for you is out there.

But in order to know if you should switch, or who you should switch to, you’re going to have to get some quotes. Luckily, you can use our easy, accurate quote generator to receive offers from local agencies that want to offer you coverage.

Ready to find a great deal on your BMW X3 car insurance rates? Enter your ZIP code now.

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