BMW X3 Car Insurance

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The BMW X3 is a compact luxury SUV combining dynamic driving, advanced onboard technology, and everyday versatility. It appeals to drivers seeking the Bavarian brand's prestige in a practical format suited to urban and family life.

BMW X3 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the BMW X3 fluctuate significantly, starting at $4426 in 2021 before dropping to $1476 in 2022, then gradually rising to $1515 in 2023, $1861 in 2024, $1931 in 2025, and $2162 in 2026. After the initial anomaly, the recent trend is clearly upward.

To find the best insurance for your BMW X3 vehicle, it is more important than ever to compare the available options.

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How much does insurance for your BMW X3 cost in Quebec?

Premiums for the BMW X3 are highest in Laval ($4637), Saint-Jérôme ($2852), and Montreal ($2589), while Trois-Rivières ($1252) and Repentigny ($1512) show the lowest amounts. The gap between the most expensive and most affordable cities remains very pronounced.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$1640.97
DRUMMONDVILLE	$2023.68
GATINEAU	$2652.06
LAVAL	$4961.60
LÉVIS	$1662.83
LONGUEUIL	$2159.89
MONTRÉAL	$2614.36
QUÉBEC	$1793.33
REPENTIGNY	$1477.85
Saguenay	$1857.65
SAINT-JEAN-SUR-RICHELIEU	$1644.49
SAINT-JÉRÔME	$2851.98
SHERBROOKE	$1608.70
TERREBONNE	$2207.39
TROIS-RIVIÈRES	$1251.83

Frequently asked questions (FAQ)

How much does it cost to insure a BMW X3?

The average premium for the BMW X3 reached $2162 in 2026, up from $1931 in 2025. The amount varies considerably depending on city and driver profile.

Why was the 2021 premium as high as $4426?

The $4426 figure recorded in 2021 stands well above subsequent years, possibly linked to specific data points or unusual market conditions that year.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Which city has the highest BMW X3 insurance cost?

Based on the data provided, Laval shows the highest premium at $4637, followed by Saint-Jérôme ($2852) and Montreal ($2589).

Where is the BMW X3 cheapest to insure?

Trois-Rivières has the lowest average premium at $1252, followed by Repentigny at $1512.

Is the X3 premium continuing to rise?

Since 2022, the average premium has increased every year, moving from $1476 to $2162 in 2026, suggesting a continued upward trend after the 2021 anomaly.

AUDI
Q5

MERCEDES
GLC

VOLVO
XC60

ACURA
RDX

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/08/2026

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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