BMW X3 2018 Car Insurance

View offers received by our clients for their BMW X3 2018 car insurance

Click here to save on your car insurance

The 2018 BMW X3 is a compact luxury SUV combining spirited driving dynamics with upscale finishing. It appeals to urban drivers seeking premium comfort, advanced technology, and everyday versatility in a compact format.

BMW X3 2018 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2025, premiums for the 2018 BMW X3 rise markedly, from $1350 to $2067, before easing to $1936 in 2026. This recent decline may reflect a market adjustment or a revision of risk profiles.

To find the best insurance for your BMW X3 2018 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW X3 2018

How much does insurance for your BMW X3 2018 cost in Quebec?

Premiums are highest in Quebec City ($2721) and Saint-Jérôme ($2491), followed by Montreal ($2038), while Drummondville ($974) and Repentigny ($1283) show the lowest amounts. The spread between cities is significant for this model.

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	$2037.76
QUÉBEC	$2720.77
REPENTIGNY	$1282.59
SAINT-JÉRÔME	$2490.82

Frequently asked questions (FAQ)

How much does insurance cost for a 2018 BMW X3?

Based on available data, the average premium for a 2018 BMW X3 stands at $1936 in 2026, after peaking at $2067 in 2025.

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.

Why did the BMW X3 premium decrease in 2026?

After rising steadily from $1350 in 2021 to $2067 in 2025, the premium eased to $1936 in 2026, which may reflect adjustments in repair costs or driver risk profiles.

In which city is the 2018 BMW X3 most expensive to insure?

Among the cities provided, Quebec City ($2721) and Saint-Jérôme ($2491) show the highest premiums, well above Drummondville ($974).

What factors influence the premium for a BMW X3?

Specialized parts costs, high replacement value, and the driving profile associated with luxury SUVs contribute to premiums above the market average.

AUDI
Q5

MERCEDES
GLC

VOLVO
XC60

LEXUS
NX

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: 08/13/2026

Model version by year

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.

	Client The customer portal allows you to create and manage your insurance requests. Use this link if you are a consumer of ClicAssure services.

	Insurer The insurer portal allows clicassure partners to connect and manage the requests assigned to them. Use this link if you are a ClicAssure partner.