BMW X3 2021
Baryalai from Roxboro
$1562 /year
Premium computed in June 2026
The 2021 BMW X3 is a premium compact SUV combining spirited driving dynamics, refined finishing, and advanced technology. It appeals to urban drivers seeking versatility and prestige without sacrificing everyday comfort.
Between 2021 and 2026, premiums for the 2021 BMW X3 fluctuate rather than follow a straight trend, moving from $1770 in 2021 to a peak of $2230 in 2025, before easing to $1794 in 2026. These variations reflect shifts in repair costs and insurance market conditions.
To find the best insurance for your BMW X3 2021 vehicle, it is more important than ever to compare the available options.
City-to-city differences are pronounced for the 2021 BMW X3: Gatineau shows the highest premium ($4837), followed by Montreal ($2549), while Terrebonne ($1349), Quebec City ($1400), and Laval ($1451) show the lowest amounts.
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 |
|---|---|
| GATINEAU | $4837.42 |
| LAVAL | $1451.35 |
| MONTRÉAL | $2548.64 |
| QUÉBEC | $1400.19 |
| REPENTIGNY | $1696.08 |
| SHERBROOKE | $1977.26 |
| TERREBONNE | $1348.88 |
The average premium for a 2021 BMW X3 varies by year, ranging from $1770 in 2021 to $2230 in 2025, with $1794 recorded in 2026.
No. Data from 2021 to 2026 shows fluctuations rather than a straight trend, with a peak of $2230 in 2025 followed by a drop to $1794 in 2026.
Based on the data provided, Gatineau shows the highest premium at $4837, well above Montreal ($2549) and the other listed cities.
Terrebonne ($1349), Quebec City ($1400), and Laval ($1451) post the lowest average premiums among the cities provided.
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.
Its status as a luxury SUV, higher replacement value, and specialized parts costs contribute to premiums generally above those of mainstream vehicles.
Comparing quotes from several insurers, especially in cities with large gaps like Gatineau, can help find a more favorable premium for a similar profile.
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.
