2022 BMW X3 Car Insurance Calculator

Find out how changes to risk factors and vehicle options affect car insurance rates for a 2022 BMW X3. Play around with factors like driving record, coverage levels, mileage driven, and vehicle usage. Instantly know whether rates increased or decreased.

The average estimated car insurance premium for a 2022 BMW X3 is $2,620 per year, or about $218 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

$2,620

Cost Per Month

$218

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 2022 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.

$2,620
Average Rate
Your Rate
$2,620

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 2022 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 2022 BMW X3 is $2,620.

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.

2022 BMW X3 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2022 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.

2022 BMW X3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,832-$788
2Cadillac XT4$1,878-$742
3Volvo XC40$2,058-$562
4Lexus NX 250$2,126-$494
5BMW X1$2,130-$490
6Mercedes-Benz GLB 250$2,142-$478
7Lexus UX 250h$2,146-$474
8Lexus NX 350h$2,160-$460
9Lexus NX 350$2,180-$440
10Lexus UX 200$2,184-$436
11Lexus NX 450h$2,238-$382
12Volvo C40$2,252-$368
13Land Rover Evoque$2,260-$360
14Lincoln Corsair$2,264-$356
15Mercedes-Benz GLC300$2,266-$354
16Mercedes-Benz GLA250$2,288-$332
17Audi Q3$2,292-$328
18Volvo XC60$2,300-$320
19BMW X2$2,372-$248
2022 Small Luxury SUV Average$2,397-$223
20Mercedes-Benz GLA35 AMG$2,408-$212
21Infiniti QX55$2,422-$198
22Genesis GV70$2,450-$170
23Audi Q5$2,480-$140
24Mercedes-Benz GLA45 AMG$2,494-$126
25Audi Q4$2,508-$112
26Land Rover Defender$2,522-$98
27Land Rover Range Rover Velar$2,532-$88
28Alfa Romeo Stelvio$2,584-$36
29BMW X3$2,620--
30Porsche Macan$2,712$92
31Jaguar I-Pace$2,768$148
32Jaguar F-Pace$2,840$220
33BMW X4$2,920$300
34Aston Martin DBX$3,884$1,264

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.

2022 X3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 BMW X3 Insurance Rates by Trim Level
2022 BMW X3 Trim Level Annual Premium Cost Per Month
sDrive$2,434$203
xDrive$2,484$207
M40i xDrive$2,706$226
M xDrive$2,854$238

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 2022 BMW X3 for different driver ages.

2022 BMW X3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,342$779
17$9,078$757
18$8,183$682
19$7,425$619
20$5,694$475
21$5,430$453
22$4,865$405
23$3,970$331
24$3,758$313
25$3,046$254
30$2,796$233
35$2,690$224
40$2,620$218
45$2,444$204
50$2,312$193
55$2,158$180
60$2,166$181
65$2,314$193
70$2,494$208
75$2,926$244
80$3,612$301

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.