BMW X3 Insurance in North Dakota (2026)
Quick Answer
Full coverage for a 2024 BMW X3 in North Dakota costs $202/month ($2,424/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW X3 Rates by Company in North Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $149/mo | $1,794/yr | Military families |
| Erie Insurance | $160/mo | $1,915/yr | Rate lock guarantee |
| GEICO | $166/mo | $1,988/yr | Clean driving record |
| Progressive | $178/mo | $2,133/yr | Telematics savings |
| State Farm | $184/mo | $2,206/yr | Good students |
| Travelers | $192/mo | $2,303/yr | Multiple discounts |
| Nationwide | $210/mo | $2,521/yr | Bundling home + auto |
| Farmers | $218/mo | $2,618/yr | Signal telematics |
| Allstate | $226/mo | $2,715/yr | Accident forgiveness |
| Liberty Mutual | $238/mo | $2,860/yr | New car replacement |
USAACheapest
Monthly
$149/mo
Annual
$1,794/yr
Best for: Military families
Erie Insurance
Monthly
$160/mo
Annual
$1,915/yr
Best for: Rate lock guarantee
GEICO
Monthly
$166/mo
Annual
$1,988/yr
Best for: Clean driving record
Progressive
Monthly
$178/mo
Annual
$2,133/yr
Best for: Telematics savings
State Farm
Monthly
$184/mo
Annual
$2,206/yr
Best for: Good students
Travelers
Monthly
$192/mo
Annual
$2,303/yr
Best for: Multiple discounts
Nationwide
Monthly
$210/mo
Annual
$2,521/yr
Best for: Bundling home + auto
Farmers
Monthly
$218/mo
Annual
$2,618/yr
Best for: Signal telematics
Allstate
Monthly
$226/mo
Annual
$2,715/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$238/mo
Annual
$2,860/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 North Dakota
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $493/mo | $5,913/yr |
| 19 years old | $298/mo | $3,576/yr |
| 21 years old | $237/mo | $2,848/yr |
| 25 years old | $156/mo | $1,873/yr |
| 30 years old | $129/mo | $1,548/yr |
| 40 years old | $121/mo | $1,455/yr |
| 50 years old | $117/mo | $1,409/yr |
| 65 years old | $128/mo | $1,533/yr |