2016 BMW X3 Car Insurance Calculator

Learn and understand how choices you make impact car insurance rates for a 2016 BMW X3. Set options like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly if the changes you make raise or lower the cost of insurance.

The average estimated car insurance premium for a 2016 BMW X3 is $1,862 per year, or about $155 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,862

Cost Per Month

$155

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW X3 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 BMW X3.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,862
Average Rate
Your Rate
$1,862

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 BMW X3 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 BMW X3 is $1,862.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 BMW X3 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2016 BMW X3 against all other models in the small luxury SUV segment. The BMW X3 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW X3, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X3.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 BMW X3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC60$1,368-$494
2Acura RDX$1,390-$472
3Mercedes-Benz GLA250$1,542-$320
4Mercedes-Benz GLC300$1,624-$238
5BMW X1$1,632-$230
6Lincoln MKC$1,640-$222
7Audi Q3$1,730-$132
8Lexus NX 300H$1,738-$124
2016 Small Luxury SUV Average$1,778-$84
9Mercedes-Benz GLA45 AMG$1,810-$52
10Lexus NX 200T$1,834-$28
11BMW X4$1,858-$4
12BMW X3$1,862--
13Infiniti QX70$1,876$14
14Land Rover Evoque$1,914$52
15Audi Q5$1,950$88
16Mercedes-Benz GLE550E$2,202$340
17Porsche Macan$2,252$390

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 X3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW X3.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 BMW X3 Insurance Rates by Trim Level
2016 BMW X3 Trim Level Annual Premium Cost Per Month
28i sDrive AWD$1,814$151
28d xDrive AWD$1,862$155
28i xDrive AWD$1,862$155
35i xDrive AWD$1,910$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 BMW X3 for different driver ages.

2016 BMW X3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,739$562
17$6,488$541
18$5,738$478
19$5,252$438
20$4,005$334
21$3,821$318
22$3,409$284
23$2,825$235
24$2,659$222
25$2,160$180
30$1,974$165
35$1,914$160
40$1,862$155
45$1,746$146
50$1,658$138
55$1,546$129
60$1,550$129
65$1,652$138
70$1,800$150
75$2,136$178
80$2,634$220

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW X3 trim levels.