BMW X3 2016
Clement from Beauharnois
$2521 /year
Premium computed in July 2026
The 2016 BMW X3 is a luxury compact SUV combining sporty road manners with upscale finishing. Known for its engaging driving character, it appeals to drivers seeking versatility, prestige, and advanced technology in a practical family-sized package.
From 2021 to 2026, premiums for the 2016 BMW X3 fluctuate without a clear linear trend, moving from $1193 to $1315, dropping to $1157, rising to $1577, falling back to $1299, and reaching $1500. These variations mainly reflect periodic market adjustments rather than a steady progression.
To find the best insurance for your BMW X3 2016 vehicle, it is more important than ever to compare the available options.
For the 2016 BMW X3, the highest average premium is found in Laval ($1665), while Montreal ($1146) and Saint-Jean-sur-Richelieu ($1074) show notably lower amounts. The gap between Laval and Saint-Jean-sur-Richelieu exceeds $590.
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 |
|---|---|
| LAVAL | $1665.30 |
| MONTRÉAL | $1146.34 |
| SAINT-JEAN-SUR-RICHELIEU | $1074.21 |
The average premium for a 2016 BMW X3 varies by reference year, ranging from $1157 to $1577 between 2021 and 2026, with a recent value of $1500 in 2026.
Not consistently. Premiums fluctuated between $1157 and $1577 over the 2021-2026 period, showing no clear linear trend and instead reflecting periodic market shifts.
Based on the data provided, Saint-Jean-sur-Richelieu ($1074) and Montreal ($1146) post the lowest average premiums for this model.
In Laval, the average premium reaches $1665, notably higher than Montreal or Saint-Jean-sur-Richelieu, which may reflect local differences in claims habits or traffic density.
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Vehicle age, parts costs, engine power, and luxury SUV status influence the premium, which ranges from $1074 to $1665 depending on the city.
Comparing quotes from several insurers and checking premiums by city of residence can help identify savings, since the gap between Laval and Saint-Jean-sur-Richelieu exceeds $590.
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.
