2024 BMW X3: Insurance & Ownership Costs
Quick Answer
The 2024 BMW X3 costs an average of $257/month to insure (full coverage). 5-year total cost of ownership: $63,253 ($1,054/month).
✓ Updated March 2026✓ Based on state insurance filings
MSRP
$48,150
Avg Insurance
$257/mo
MPG Combined
26
Safety Rating
5/5
BMW X3 Insurance by State
| State | Full Coverage | Monthly | |
|---|---|---|---|
| Alabama | $2,966/yr | $247/mo | Details |
| Alaska | $2,791/yr | $233/mo | Details |
| Arizona | $3,364/yr | $280/mo | Details |
| Arkansas | $3,044/yr | $254/mo | Details |
| California | $3,783/yr | $315/mo | Details |
| Colorado | $3,401/yr | $283/mo | Details |
| Connecticut | $3,899/yr | $325/mo | Details |
| Delaware | $3,420/yr | $285/mo | Details |
| Florida | $6,178/yr | $515/mo | Details |
| Georgia | $3,890/yr | $324/mo | Details |
These are estimates based on state averages. Your exact rate depends on your specific profile.
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5-Year Total Cost of Ownership
Depreciation
$26,483
Insurance
$15,420
Fuel
$8,885
Maintenance
$3,960
Financing
$8,145
Registration
$360
5-Year Total Cost
$63,253
$1,054/month | $1/mile