2019 BMW X3 Car Insurance Calculator

See and learn how changes to different risk factors affect car insurance rates for a 2019 BMW X3. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback whether rates increased or decreased.

The average estimated car insurance premium for a 2019 BMW X3 is $2,138 per year, or about $178 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

$2,138

Cost Per Month

$178

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 2019 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.

$2,138
Average Rate
Your Rate
$2,138

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 2019 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 2019 BMW X3 is $2,138.

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.

2019 BMW X3 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2019 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.

2019 BMW X3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,786-$352
2Volvo XC60$1,820-$318
3Lexus NX 300$1,844-$294
4Volvo XC40$1,846-$292
5Lincoln MKC$1,852-$286
6Lexus UX 200$1,864-$274
7BMW X1$1,866-$272
8Cadillac XT4$1,912-$226
9Mercedes-Benz GLA250$1,920-$218
10Mercedes-Benz GLC300$1,922-$216
11Infiniti QX30$1,928-$210
12BMW X2$1,984-$154
13Lexus UX 250h$2,012-$126
14Lexus NX 300H$2,022-$116
2019 Small Luxury SUV Average$2,059-$79
15Land Rover Evoque$2,112-$26
16Alfa Romeo Stelvio$2,128-$10
17BMW X3$2,138--
18Audi Q5$2,170$32
19Mercedes-Benz GLC350E$2,244$106
20BMW X4$2,286$148
21Mercedes-Benz GLA45 AMG$2,312$174
22Jaguar F-Pace$2,394$256
23Porsche Macan$2,520$382
24Jaguar I-Pace$2,538$400

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.

2019 X3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW X3 Insurance Rates by Trim Level
2019 BMW X3 Trim Level Annual Premium Cost Per Month
30i sDrive AWD$2,100$175
30i xDrive AWD$2,100$175
m40i xDrive AWD$2,218$185

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 2019 BMW X3 for different driver ages.

2019 BMW X3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,605$634
17$7,384$615
18$6,653$554
19$6,039$503
20$4,634$386
21$4,420$368
22$3,960$330
23$3,237$270
24$3,066$256
25$2,486$207
30$2,284$190
35$2,196$183
40$2,138$178
45$1,996$166
50$1,890$158
55$1,768$147
60$1,774$148
65$1,890$158
70$2,036$170
75$2,388$199
80$2,944$245

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.