BMW X3 Insurance in Missouri (2026)
Quick Answer
Full coverage for a 2024 BMW X3 in Missouri costs $258/month ($3,101/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW X3 Rates by Company in Missouri
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $191/mo | $2,295/yr | Military families |
| Erie Insurance | $204/mo | $2,450/yr | Rate lock guarantee |
| GEICO | $212/mo | $2,543/yr | Clean driving record |
| Progressive | $227/mo | $2,729/yr | Telematics savings |
| State Farm | $235/mo | $2,822/yr | Good students |
| Travelers | $245/mo | $2,946/yr | Multiple discounts |
| Nationwide | $269/mo | $3,225/yr | Bundling home + auto |
| Farmers | $279/mo | $3,349/yr | Signal telematics |
| Allstate | $289/mo | $3,473/yr | Accident forgiveness |
| Liberty Mutual | $305/mo | $3,659/yr | New car replacement |
USAACheapest
Monthly
$191/mo
Annual
$2,295/yr
Best for: Military families
Erie Insurance
Monthly
$204/mo
Annual
$2,450/yr
Best for: Rate lock guarantee
GEICO
Monthly
$212/mo
Annual
$2,543/yr
Best for: Clean driving record
Progressive
Monthly
$227/mo
Annual
$2,729/yr
Best for: Telematics savings
State Farm
Monthly
$235/mo
Annual
$2,822/yr
Best for: Good students
Travelers
Monthly
$245/mo
Annual
$2,946/yr
Best for: Multiple discounts
Nationwide
Monthly
$269/mo
Annual
$3,225/yr
Best for: Bundling home + auto
Farmers
Monthly
$279/mo
Annual
$3,349/yr
Best for: Signal telematics
Allstate
Monthly
$289/mo
Annual
$3,473/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$305/mo
Annual
$3,659/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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BMW X3 Insurance by Age in Missouri
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $630/mo | $7,564/yr |
| 19 years old | $381/mo | $4,574/yr |
| 21 years old | $304/mo | $3,643/yr |
| 25 years old | $200/mo | $2,396/yr |
| 30 years old | $165/mo | $1,980/yr |
| 40 years old | $155/mo | $1,861/yr |
| 50 years old | $150/mo | $1,802/yr |
| 65 years old | $163/mo | $1,960/yr |