BMW X3 2019 Car Insurance

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The 2019 BMW X3 is an upscale compact SUV combining spirited driving dynamics with refined comfort. Positioned in the premium segment, it attracts drivers seeking advanced technology, brand prestige, and versatility for urban or family use.

BMW X3 2019 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2019 BMW X3 rise overall, moving from $1384 to $2888, despite a slight dip in 2023. This progression reflects rising repair and parts costs for this premium SUV.

To find the best insurance for your BMW X3 2019 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW X3 2019

How much does insurance for your BMW X3 2019 cost in Quebec?

City differences are very pronounced for the 2019 BMW X3: Terrebonne ($5623) and Montreal ($5241) show significantly higher premiums, while Laval ($960) and Lévis ($1128) post the lowest amounts. Quebec City ($2066), Brossard ($1899), and Drummondville ($1615) 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
BROSSARD	$1898.78
DRUMMONDVILLE	$1615.12
LAVAL	$960.47
LÉVIS	$1128.46
MONTRÉAL	$3419.32
QUÉBEC	$2065.55
TERREBONNE	$5622.77

Frequently asked questions (FAQ)

How much does it cost to insure a 2019 BMW X3?

The average premium for a 2019 BMW X3 varies by year, reaching $2888 in 2026 after starting at $1384 in 2021.

Have premiums for the 2019 BMW X3 increased significantly?

Yes. Between 2021 and 2026, the average premium rose from $1384 to $2888 — more than double — despite a slight dip to $1626 in 2023.

Which city has the highest insurance cost for a 2019 BMW X3?

Based on the data provided, Terrebonne ($5623) and Montreal ($5241) show the highest premiums, well above other cities like Laval ($960).

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 does the BMW X3 cost more to insure than an ordinary SUV?

Its premium classification, higher parts and specialized labor costs, and greater replacement value explain premiums that often exceed the average.

Why do premiums vary so much between cities?

Claim frequency, theft rates, and traffic density specific to each region strongly influence premiums, explaining the gap between Laval ($960) and Terrebonne ($5623).

AUDI
Q5

MERCEDES
GLC

LEXUS
NX

VOLVO
XC60

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

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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.

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