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The best states to buy and insure a used BMW X3

The BMW X3 is an SUV that combines luxury and technology to superior effect. The car was first introduced in 2003 and was preceded by the xActivity – a concept car introduced at the Detroit Auto Show. The latest 2013 is smoother when compared to the earlier models.

The entertainment controls can be easily manipulated using the iDrive feature. Buying even a used BMW X3 is indeed a matter of pride, but make sure you do some research to find out the insurance rates in your area.

Insuring the X3 will cost you an average annual rate of $900 in Maine, which is the lowest in the country, while it costs $2371 in Michigan, which is the highest. The median price of this car is the lowest ($14,325) in Kansas and the highest ($41,995) in Idaho.

If you consider the median price as well as the insurance costs, the five best states to own a BMW X3 are –

State Insurance Average ($) Median Price ($) Insurance Percentage (%)
Iowa 1,021 14,450 7
Ohio 1,100 15,997 6
Kansas 1,326 14,325 9
Washington 1,144 18,789 6
Illinois 1,200 19,899 6

The insurance percentage in the above table is the percentage of the median price that is spent on insurance.

Iowa, Ohio, Kansas, Washington and Illinois are the states in which both the insurance average and median price of the X3 are relatively low.

If you live in one of the states where the price of the car is very high, you can buy it from another state and have it shipped home.

It is possible to lower your insurance premiums by convincing your car insurance company that you are committed to its security. Parking your car in a private garage instead of parking it on the driveway is one step in that direction. Installing an anti-theft device will also help lower your premiums.  

Average Yearly Insurance Premium $1,390
BMW X3 MSRP $49,360
Estimated Monthly Income to Afford a BMW X3 Car including Insurance $900

BMW X3 - Average Insurance Price by Segment

Male $2,360
Male Married $2,140
Female $1,310
Female Married $1,200
Teenage Boy $7,030
Teenage Girl $4,020

BMW X3 Safety Features - 2013

Side airbags: front and rear head curtain airbags and front door-mounted torso airbags Rollover sensor: designed to deploy the side curtain airbags in the event of an impending rollover Driver knee airbag: a separate airbag in the lower instrument panel designed to minimize knee injuries in frontal crashes Electronic stability control Antilock brakes Daytime running lights

Expensive States for Insuring BMW X3

RankStateAverage Insurance of BMW X3MSRPEstimated Monthly Income to Afford a BMW X3 including Insurance Cost
1 Michigan $2,300 $49,100 $910
2 Louisiana $2,300 $49,100 $910
3 Georgia $1,900 $49,300 $910
4 West Virginia $1,800 $49,100 $900
5 Oklahoma $1,800 $49,100 $900
6 Montana $1,700 $49,100 $900
7 California $1,700 $49,100 $900
8 Rhode Island $1,600 $48,600 $890
9 Missouri $1,600 $49,100 $900
10 Massachusetts $1,600 $50,100 $920

Cheap States for Insuring BMW X3

RankStateAverage Insurance of BMW X3MSRPEstimated Monthly Income to Afford a BMW X3 including Insurance Cost
1 Maine $900 $49,100 $890
2 Iowa $1,000 $49,300 $890
3 North Carolina $1,000 $49,300 $890
4 New Hampshire $1,000 $49,100 $890
5 Idaho $1,100 $59,400 $1,070
6 Indiana $1,100 $47,000 $850
7 Ohio $1,100 $50,000 $910
8 Vermont $1,100 $49,100 $890
9 Washington $1,100 $49,100 $890
10 Arizona $1,200 $46,700 $850

BMW X3 - Remaining States under Study

RankStateAverage Insurance of BMW X3MSRPEstimated Monthly Income to Afford of BMW X3 including Insurance Cost
1 Colorado $1,200 $48,700 $880
2 Illinois $1,200 $48,700 $880
3 Oregon $1,200 $51,500 $930
4 South Carolina $1,200 $49,100 $890
5 Virginia $1,200 $49,100 $890
6 Wisconsin $1,200 $50,000 $910
7 Florida $1,300 $48,700 $890
8 Kansas $1,300 $54,100 $980
9 Maryland $1,300 $49,100 $890
10 Minnesota $1,300 $49,100 $890
11 Mississippi $1,300 $49,100 $890
12 Nebraska $1,300 $49,100 $890
13 New Mexico $1,300 $49,100 $890
14 Nevada $1,300 $49,100 $890
15 New York $1,300 $49,300 $900
16 Tennessee $1,300 $50,000 $910
17 Utah $1,300 $49,100 $890
18 Wyoming $1,300 $42,200 $770
19 Alaska $1,400 $51,500 $940
20 Arkansas $1,400 $49,100 $890
21 Hawaii $1,400 $52,500 $950
22 North Dakota $1,400 $45,100 $820
23 Texas $1,400 $48,100 $880
24 Delaware $1,500 $49,100 $900
25 New Jersey $1,500 $48,800 $890
26 Pennsylvania $1,500 $49,300 $900
27 Alabama $1,600 $49,400 $900
28 Connecticut $1,600 $49,100 $900
29 Kentucky $1,600 $51,500 $940

BMW X3 Models Comparison

Model Style Cylinders MSRP Average Premium of BMW X3 models Est. Monthly Income to Afford a BMW X3 including Insurance Cost
X3 xDrive 28i 4WD 4 Door 6 cyl. $49,300 $1,370 $900
X3 xDrive 35i 4WD 4 Door 6 cyl. $49,300 $1,430 $900

BMW X3 vs Luxury SUV Insurance Comparision