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BMW X3 2018 Car Insurance

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The 2018 BMW X3 is a premium compact SUV built to combine dynamic handling with everyday versatility. Known for its refined finish and advanced technology, it appeals to drivers seeking a balance of prestige, comfort, and practicality.

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

Between 2021 and 2026, premiums for the 2018 BMW X3 fluctuate, dropping from $1760 to $1564 in 2022, then gradually climbing to $2067 in 2025 before easing slightly to $1936 in 2026. Overall, the general trend remains upward.

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

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

The highest premiums for the 2018 BMW X3 are found in Quebec City ($2721) and Saint-Jérôme ($2491), while Drummondville ($974) posts the lowest amount among the provided cities. Montreal ($2038) and Gatineau ($1598) fall in a mid-range bracket.

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 $1660.90
MONTRÉAL $2051.25
QUÉBEC $2720.77
REPENTIGNY $1353.38
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 was $1936 in 2026, after peaking at $2067 in 2025.
Have premiums for the 2018 BMW X3 fluctuated a lot since 2021?
Yes. Premiums dropped from $1760 in 2021 to $1564 in 2022, then climbed to $2067 in 2025 before easing to $1936 in 2026, showing an overall upward trend despite fluctuations.
Which city offers the lowest insurance cost for a 2018 BMW X3?
Among the provided cities, Drummondville shows the lowest premium at $974, followed by Repentigny at $1353.
Why do Quebec City and Saint-Jérôme show higher premiums?
Data shows premiums of $2721 in Quebec City and $2491 in Saint-Jérôme, possibly linked to local factors such as claim frequency or regional risk profiles.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.
What factors influence the premium for a 2018 BMW X3?
Parts costs, its classification as a luxury SUV, and replacement value all contribute to premiums that are generally higher than those of mainstream SUVs.
How can I reduce my premium for a 2018 BMW X3?
Comparing quotes from multiple insurers and reviewing deductible options can help identify more advantageous premiums based on your profile and city.

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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 premiums actually offered by our partner insurers in response to quote requests, keeping the lowest one obtained for each vehicle. This data is not limited to policies that were sold.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 09/04/2026

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