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Cheapest Bmw X3 xDrive30e Car Insurance (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Bmw X3 xDrive30e
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Bmw X3 xDrive30e car insurance cost? 

On average, Bmw X3 xDrive30e drivers spend $67 each month on state minimum car insurance, and $129 per month on full coverage insurance. Compared to other Bmw X3 models, the Bmw X3 xDrive30e is 39% less expensive to insure. 
Many factors play a role in determining your Bmw X3 xDrive30e car insurance costs, from your age and address to your driving record, insurance history, and coverage levels. The vehicle you own is just one piece of the calculations that insurance companies run when generating a quote. 

Compare the cheapest Bmw X3 xDrive30e car insurance quotes

This may feel complicated, but it doesn’t have to be. As a trusted insurance broker and free quote comparison tool, Jerry is an essential resource for Bmw X3 xDrive30e owners.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
March 13, 2024
2020
BMW X3 xDrive30e
Bristol West
$68
• State Minimum Liability
March 4, 2024
BMW X3 xDrive30e
Progressive
$98
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 13, 2024
It’s important to remember that auto insurance rates can vary significantly, even for the same car model and trim. For instance, driver age has a major impact on rates: an 18-year-old driver will pay a much higher premium for a t Bmw X3 xDrive30e insurance policy than a 30-year-old driver. 
While
average rates
are helpful, shopping for
personalized quotes
is the best way to find out how much you can expect to pay for t Bmw X3 xDrive30e car insurance.

The best car insurance companies for Bmw X3 xDrive30e owners

There is no best car insurance company for all Bmw X3 xDrive30e owners. That’s because car insurance quotes are based on factors unique to you—your age, your address, your driving history, your deductibles, and more. 
The cheapest insurance company for one Bmw X3 xDrive30e driver might give higher quotes to another person—even though they’re insuring the exact same model and trim.  
Besides price, you also need to consider other factors such as claim handling and customer service. 
To help drivers better compare different
car insurance companies
, Jerry’s conducted the largest insurance shopping survey in the nation to learn about drivers’ satisfaction with the prices, customer service, claims handling, and overall experience of different auto insurance companies.
 The table below shows how Bmw X3 xDrive30e drivers rate different companies.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much does Bmw X3 xDrive30e insurance cost?

From our experience helping lots of Bmw X3 xDrive30e drivers lower their car insurance rates, we found that the average cost of minimum liability coverage is $67 per month or $804 per year. 
The average cost for full coverage insurance is $129 per month or $1,548 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$67
$804
Full coverage
$129
$1,548

How much car insurance do you need for a Bmw X3 xDrive30e?

Minimum coverage insurance
is the minimum amount of coverage legally required in your state, which typically includes basic liability insurance. 
Full coverage insurance
, on the other hand, provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

How do Bmw X3 xDrive30e insurance quotes compare to other Bmw X3 car insurance rates?

Check out the table below to see the average cost of auto insurance for some other popular Bmw X3 trims.
Car Model & TrimAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
X3 xDrive30e
$67
$129
X3 xDriveM40i
$69
$183
X3 sDrive28i
$71
$167
X3 xDrive35i
$85
$184
X3 sDrive30i
$86
$190
X3 xDrive30i
$86
$181
X3 3.0Si
$96
$185
X3 xDrive28i
$108
$183
X3 3.0i
$114
$197
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Bmw X3 xDrive30e insurance cost by model year

Your Bmw X3 xDrive30e insurance costs depend in part on when your vehicle was manufactured—i.e., the model year.
Newer models tend to be more expensive to insure, thanks to a higher cash value and hard-to-replace tech. If you drive an older Bmw X3 xDrive30e model, you’ll likely pay a lower rate.

2021 Bmw X3 xDrive30ecar insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Bmw X3 xDrive30e:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
BMW X3 xDrive30e
Progressive
$98
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 18, 2024
If your car is more than 3 years old, you may be able to find cheaper car insurance. Here's how much Jerry drivers with Bmw X3 xDrive30e that's at least 3 years old pay:

2020 Bmw X3 xDrive30e car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2020
BMW X3 xDrive30e
Bristol West
$68
• State Minimum Liability
coverageLast Updated Mar 13, 2024

Are Bmw X3 xDrive30es expensive to insure? 

Compared to the national average for other models from a similar price range, it is 39% less expensive to insure a Bmw X3 xDrive30e.
Check out some similar cars for comparison:
ModelAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
Bmw Activehybrid
$40
$161
Bmw i8
$46
$233
$48
$243
$52
$240
Bmw 545
$59
$147
Bmw M340
$65
$242
Bmw M240
$74
$192
Bmw 335
$75
$170
Bmw X2
$78
$185
$83
$307
Bmw 640
$85
$290
Bmw i3
$85
$216
Bmw 430
$86
$203
Bmw 745
$86
$235
$86
$208
$87
$186
$90
$141
Bmw 128
$91
$198
$91
$207
Bmw 323
$92
$213
Bmw 328
$97
$260
Bmw i4
$97
$178
Bmw 330
$100
$178
Bmw 645
$101
$239
Bmw Z4
$101
$276
$103
$160
Bmw 528
$104
$221
$106
$196
Bmw M235
$107
$248
$108
$221
$109
$239
$110
$251
$111
$214
$114
$210
$114
$197
Bmw 440
$115
$242
$117
$199
$118
$236
Bmw 228
$119
$236
Bmw 320
$120
$228
Bmw 135
$127
$200
Bmw 230
$134
$175
Bmw X6
$153
$204
Bmw M550
$160
$217
Bmw M440
$163
$242
Bmw 340
$168
$268
Bmw 740
$170
$199
When determining insurance premiums, insurance providers take many factors into consideration. MSRP, trim level, model year, theft rates, and the cost of repairs are some of the many factors that can influence how much your insurance costs. 
Insurance companies also look at your car’s safety. Below are safety ratings of Bmw X3 xDrive30e from the Insurance Institute for Highway Safety (IIHS).
Rating TypeRating
Small overlap front: driver-side
Good
Small overlap front: passenger-side
Good
Moderate overlap front: original test
Good
Side: original test
Good
Roof strength
Good
Head restraints & seats
Good
Headlights
Good
Front crash prevention: vehicle-to-vehicle
Superior
Front crash prevention: vehicle-to-pedestrian (day)
Superior
Seat belt reminders
Marginal
LATCH ease of use
Marginal

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.