BMW X3 Insurance in Washington (2026)
Quick Answer
Full coverage for a 2024 BMW X3 in Washington costs $230/month ($2,762/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW X3 Rates by Company in Washington
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $170/mo | $2,044/yr | Military families |
| Erie Insurance | $182/mo | $2,182/yr | Rate lock guarantee |
| GEICO | $189/mo | $2,265/yr | Clean driving record |
| Progressive | $203/mo | $2,431/yr | Telematics savings |
| State Farm | $209/mo | $2,513/yr | Good students |
| Travelers | $219/mo | $2,624/yr | Multiple discounts |
| Nationwide | $239/mo | $2,872/yr | Bundling home + auto |
| Farmers | $249/mo | $2,983/yr | Signal telematics |
| Allstate | $258/mo | $3,093/yr | Accident forgiveness |
| Liberty Mutual | $272/mo | $3,259/yr | New car replacement |
USAACheapest
Monthly
$170/mo
Annual
$2,044/yr
Best for: Military families
Erie Insurance
Monthly
$182/mo
Annual
$2,182/yr
Best for: Rate lock guarantee
GEICO
Monthly
$189/mo
Annual
$2,265/yr
Best for: Clean driving record
Progressive
Monthly
$203/mo
Annual
$2,431/yr
Best for: Telematics savings
State Farm
Monthly
$209/mo
Annual
$2,513/yr
Best for: Good students
Travelers
Monthly
$219/mo
Annual
$2,624/yr
Best for: Multiple discounts
Nationwide
Monthly
$239/mo
Annual
$2,872/yr
Best for: Bundling home + auto
Farmers
Monthly
$249/mo
Annual
$2,983/yr
Best for: Signal telematics
Allstate
Monthly
$258/mo
Annual
$3,093/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$272/mo
Annual
$3,259/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 Washington
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $562/mo | $6,738/yr |
| 19 years old | $340/mo | $4,075/yr |
| 21 years old | $271/mo | $3,246/yr |
| 25 years old | $178/mo | $2,134/yr |
| 30 years old | $147/mo | $1,764/yr |
| 40 years old | $138/mo | $1,658/yr |
| 50 years old | $134/mo | $1,605/yr |
| 65 years old | $146/mo | $1,746/yr |