BMW X3 2018
Thomas from Montréal
$1827 /year
Premium computed in July 2026
The 2018 BMW X3 is a premium compact SUV combining dynamic driving, refined finishing, and advanced technology. Positioned in the accessible luxury segment, it appeals to drivers seeking versatility, comfort, and everyday prestige.
Between 2021 and 2026, premiums for the 2018 BMW X3 fluctuate significantly, from $21080 in 2021 to $1564 in 2022, then gradually rising to $2067 in 2025 before dropping to $1867 in 2026. This large swing suggests an atypical figure in 2021 compared to subsequent years.
To find the best insurance for your BMW X3 2018 vehicle, it is more important than ever to compare the available options.
The highest premium is seen in Saint-Jérôme ($4000), followed by Montreal ($2151) and Quebec City ($2147), while Drummondville ($974) shows the lowest amount. Repentigny ($1283), Laval ($1509), and Gatineau ($1598) fall between these extremes.
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 |
|---|---|
| DRUMMONDVILLE | $974.3 |
| GATINEAU | $1597.94 |
| LAVAL | $1509.47 |
| MONTRÉAL | $2150.57 |
| QUÉBEC | $2146.77 |
| REPENTIGNY | $1282.59 |
| SAINT-JÉRÔME | $3999.54 |
The average premium for a 2018 BMW X3 varies by reference year, reaching $2067 in 2025 and $1867 in 2026, with an exceptional figure of $21080 recorded in 2021.
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
The data shows a large swing, from $21080 in 2021 to $1564 in 2022, then a gradual rise to $2067 in 2025. This gap may reflect changes in the data sample or market conditions.
Based on the data provided, Drummondville shows the lowest average premium at $974, compared to $4000 in Saint-Jérôme.
The average premium of $4000 in Saint-Jérôme is significantly higher than in other cities provided, which may result from local factors such as claim frequency or insured driver profiles.
Vehicle age, premium parts costs, replacement value, and city of residence are key factors driving the premium calculation for this luxury SUV.
Comparing quotes from several insurers, adjusting the deductible, and bundling insurance policies are effective ways to lower the cost for this type of vehicle.
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.
