BMW X3 2012
A Woman from Trois-Rivières
$775 /year
Premium computed in April 2026
The 2012 BMW X3 is a premium compact SUV blending driving comfort, onboard technology, and athletic styling. It appeals to drivers seeking a versatile vehicle that combines road performance with everyday practicality.
Between 2021 and 2026, premiums for the 2012 BMW X3 fluctuate significantly, rising from $354 to a peak of $1317 in 2024, before dropping to $734 in 2025 and rebounding to $779 in 2026. This volatility reflects notable adjustments in risk assessment for this older model.
To find the best insurance for your BMW X3 2012 vehicle, it is more important than ever to compare the available options.
Based on the available data, the average premium for the 2012 BMW X3 is higher in Montreal ($1113) than in Trois-Rivières ($775), a gap that may be explained by greater urban density and traffic volume in Montreal.
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 |
|---|---|
| MONTRÉAL | $1112.89 |
| TROIS-RIVIÈRES | $774.99 |
The average premium has ranged from $354 to $1317 depending on the year, with the most recent figure at $779 in 2026.
The swings, from $354 in 2021 to $1317 in 2024 and $779 in 2026, may reflect changing risk assessments, the vehicle's increasing age, and shifts in the insurance market.
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Based on the data provided, Trois-Rivières ($775) offers a more affordable average premium than Montreal ($1113) for this model.
The vehicle's age, specialized parts costs, replacement value, and claims history for this model all contribute to the observed premium variations.
Comparing quotes from several insurers, adjusting deductibles, and bundling auto and home coverage remain effective ways to reduce insurance costs.
To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :
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.
