2021 BMW X3 Car Insurance Calculator

Explore and learn how life choices impact the cost of insurance for a 2021 BMW X3. Experiment with your marital status, location, homeowner status, and credit rating to see the impact on rates. Instantly know if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2021 BMW X3 is $2,422 per year, or about $202 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

$2,422

Cost Per Month

$202

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 2021 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.

$2,422
Average Rate
Your Rate
$2,422

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 2021 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 2021 BMW X3 is $2,422.

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.

2021 BMW X3 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2021 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.

2021 BMW X3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$638
2Cadillac XT4$1,844-$578
3Volvo XC40$1,888-$534
4Lincoln Corsair$2,080-$342
5Lexus UX 250h$2,098-$324
6Volvo XC60$2,120-$302
7Mercedes-Benz GLB 250$2,140-$282
8BMW X1$2,156-$266
9Lexus UX 200$2,158-$264
10Lexus NX 300$2,166-$256
11Mercedes-Benz GLC300$2,172-$250
12Land Rover Defender$2,234-$188
13Mercedes-Benz GLA250$2,248-$174
14Land Rover Evoque$2,254-$168
2021 Small Luxury SUV Average$2,262-$160
15BMW X2$2,292-$130
16Audi Q3$2,346-$76
17Audi Q5$2,362-$60
18BMW X3$2,422--
19Lexus NX 300H$2,434$12
20Mercedes-Benz GLA45 AMG$2,462$40
21Alfa Romeo Stelvio$2,486$64
22BMW X4$2,520$98
23Jaguar F-Pace$2,552$130
24Jaguar I-Pace$2,632$210
25Porsche Macan$2,688$266

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.

2021 X3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW X3 Insurance Rates by Trim Level
2021 BMW X3 Trim Level Annual Premium Cost Per Month
sDrive 30i 2WD$2,264$189
xDrive 30i AWD$2,264$189
xDrive 30i Convenience AWD$2,264$189
sDrive 30i Convenience 2WD$2,376$198
sDrive 30i Premium 2WD$2,376$198
sDrive 30i Sport 2WD$2,376$198
xDrive 30i Executive AWD$2,376$198
xDrive 30i Premium AWD$2,376$198
xDrive 30i Sport AWD$2,376$198
sDrive 30i Executive 2WD$2,438$203
m40i AWD$2,504$209
m40i Premium AWD$2,504$209
m40i Executive AWD$2,570$214
AWD$2,600$217
Executive AWD$2,666$222

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 2021 BMW X3 for different driver ages.

2021 BMW X3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,628$719
17$8,400$700
18$7,602$634
19$6,881$573
20$5,280$440
21$5,035$420
22$4,515$376
23$3,664$305
24$3,476$290
25$2,816$235
30$2,590$216
35$2,482$207
40$2,422$202
45$2,258$188
50$2,138$178
55$1,996$166
60$2,004$167
65$2,142$179
70$2,298$192
75$2,694$225
80$3,330$278

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.