The BMW X3 is a premium compact SUV combining spirited driving dynamics, advanced technology, and refined finishing. Positioned in the luxury segment, it appeals to drivers seeking versatility, comfort, and everyday prestige.
Between 2021 and 2026, the average premium for the BMW X3 ranges from $1575 to $2149. After a slight dip in 2022 ($1476) and 2023 ($1515), premiums rise sharply from 2024 onward, reaching $1875, then $2007 in 2025 and $2149 in 2026.
To find the best insurance for your BMW X3 vehicle, it is more important than ever to compare the available options.
Laval posts the highest premium ($5284), followed by Montreal ($2537) and Gatineau ($2526), while Repentigny ($1364) and Lévis ($1564) show the lowest amounts. The spread between cities is particularly wide 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 |
|---|---|
| BROSSARD | $2138.85 |
| DRUMMONDVILLE | $2023.68 |
| GATINEAU | $2526.07 |
| LAVAL | $2452.28 |
| LÉVIS | $1564.20 |
| LONGUEUIL | $1769.88 |
| MONTRÉAL | $2363.18 |
| QUÉBEC | $1877.03 |
| REPENTIGNY | $1363.93 |
| Saguenay | $1792.24 |
| SAINT-JEAN-SUR-RICHELIEU | $2322.12 |
| SAINT-JÉRÔME | $1993.15 |
| SHERBROOKE | $1699.25 |
| TERREBONNE | $2155.99 |
| TROIS-RIVIÈRES | $1500.84 |
Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.
| Model year | Average premium |
|---|---|
| BMW X3 2026 | $2666.63 |
| BMW X3 2025 | $2449.28 |
| BMW X3 2024 | $2443.38 |
| BMW X3 2023 | $2270.99 |
| BMW X3 2022 | $2218.64 |
| BMW X3 2021 | $2098.91 |
| BMW X3 2020 | $1908.68 |
| BMW X3 2019 | $1994.64 |
| BMW X3 2018 | $1861.60 |
| BMW X3 2017 | $1372.84 |
| BMW X3 2016 | $1391.86 |
| BMW X3 2015 | $1300.56 |
| BMW X3 2014 | $1121.39 |
| BMW X3 2013 | $1199.02 |
| BMW X3 2012 | $1012.57 |
| BMW X3 2011 | $988.25 |
| BMW X3 2010 | $912.42 |
| BMW X3 2009 | $834.77 |
| BMW X3 2008 | $748.59 |
| BMW X3 2007 | $791.62 |
| BMW X3 2006 | $713.35 |
| BMW X3 2005 | $613.45 |
| BMW X3 2004 | $356.54 |
No recent premium example was found for "BMW X3".
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To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :
The premiums above cover every version of the BMW X3, so that each average rests on enough quotes. Here are the versions this page includes.
| Version | Model years |
|---|---|
| X3 2.5i 4DR AWD | 2004 - 2006 |
| X3 28d 4DR AWD | 2015 - 2017 |
| X3 28i 4DR 2WD | 2016 - 2017 |
| X3 28i 4DR AWD | 2010 - 2017 |
| X3 3.0i 4DR AWD | 2004 - 2009 |
| X3 3.0si 4DR AWD | 2007 - 2009 |
| X3 30 4DR AWD | 2025 - 2026 |
| X3 30 M SPORT 4DR AWD | 2026 |
| X3 30e 4DR AWD | 2020 - 2024 |
| X3 30i 4DR 2WD | 2019 - 2022 |
| X3 30i 4DR AWD | 2010 - 2024 |
| X3 35i 4DR AWD | 2011 - 2017 |
X3 M 4DR AWD (2020 - 2021), X3 M COMPETITION 4DR AWD (2020 - 2024), X3 M40i 4DR AWD (2018 - 2024), X3 M50 4DR AWD (2025 - 2026)
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.
