Cheapest Insurance for a BMW X3 in Los Angeles

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BMW X3 insurance cost
BMW X3 insurance cost image courtesy of QuoteInspector.com

Discount BMW X3 insuranceWish you could get out of high-priced BMW X3 insurance in Los Angeles? Trust us, many Los Angeles drivers feel the same as you.

It's shocking but most car insurance buyers kept buying from the same company for at least the last four years, and nearly half have never compared rate quotes at all. Many drivers in Los Angeles could save as much as $470 a year by just shopping around, but they don't understand how simple it is to shop their coverage around. Online insurance companies like GEICO, Progressive and Allstate promote their brand names with ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

It's smart to get comparison quotes before your next renewal since prices are variable and change quite frequently. If you had the lowest rates on BMW X3 insurance in Los Angeles on your last policy a different company probably has better premium rates today. Block out anything you think you know about car insurance because you're about to learn the proper way to save money, get proper coverage and the best rates.

If you have a current insurance policy or are shopping for new coverage, you can follow these tips to save money and still have adequate protection. Locating the best rates in Los Angeles is actually not that difficult if you follow our advice. Drivers just have to understand the proper methods to compare company rates online.

Affordable companies for BMW X3 insurance in California

The car insurance companies shown below are our best choices to provide comparison quotes in California. If multiple companies are listed, we recommend you compare several of them to get the lowest price.

Insurance statistics for a BMW X3

The rate table displayed below covers a range of prices for BMW X3 models. Being able to understand how rate quotes are formulated can be of help when making decisions on which coverage to buy.

BMW X3 Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
X3 3.0I xDrive AWD 4-Dr $348 $630 $442 $26 $132 $1,578 $132
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change premium rates considerably.

Analysis of deductible levels

One frequently asked question is where should you set your physical damage deductibles. The following insurance rates can help illustrate how much more rates are when you buy lower versus higher coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

BMW X3 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
X3 3.0I xDrive AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
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BMW X3 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
X3 3.0I xDrive AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in specific Los Angeles garaging location which can lower or raise premium rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $40 more each month or $480 every year averaged for all X3 models than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 19 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The illustration below demonstrates how choosing different deductibles and can influence BMW X3 insurance costs for different ages of insureds. The rates are based on a married female driver, full coverage, and no discounts are applied to the premium.

Cautious drivers save money

The illustration below highlights how traffic violations and at-fault accidents can influence BMW X3 insurance costs for each age group. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Cost comparison with and without full coverage

The illustration below shows the comparison of BMW X3 auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or driving citations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no set guideline to stop buying physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your BMW X3 replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for full coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Los Angeles Insurance Rates are Influenced by These Factors

A large part of saving on auto insurance is knowing a few of the rating criteria that help determine the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels. Lots of factors are taken into consideration when you quote your car insurance policy. Most are fairly basic like your driving record, but others are less obvious like your continuous coverage or your commute time.

Shown below are some of the most common factors utilized by car insurance companies to help set your rate level.

  • File policy claims and pay more - Insurance companies in California provide better rates to drivers who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is intended for claims that pose a financial burden.
  • Multiple policies with one company can save - The majority of auto insurance companies allow lower prices to buyers that purchase more than one policy in the form of a multi-policy discount. The discount can be as much as ten percent or more Even with this discount applied, it's in your best interest to shop around to help guarantee you have the best rates.
  • Having a spouse is a good thing - Walking down the aisle may save some money on auto insurance. It is viewed as being less irresponsible and it's statistically proven that drivers who are married file infrequent claims.
  • Big cities have higher premiums - Choosing to live in a small town can be a good thing when trying to find low car insurance rates. Fewer people means fewer accidents. Drivers in populated California areas regularly have more traffic problems and longer commute times. Spending more time driving means more chance of being in an accident.
  • How do annual miles impact premiums? - The higher the miles on your BMW annually the more you'll pay to insure it. The majority of insurers price each vehicle's coverage partially by how you use the vehicle. Vehicles that have low annual miles cost less to insure than vehicles that are driven to work every day. Ask your agent if your auto insurance policy reflects the correct usage for each vehicle, because improper ratings can cost you money. An improperly rated X3 may be costing you higher rates.
  • Raising deductibles saves money - Physical damage deductibles define the amount you are required to pay before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims are colliding with a stationary object, fire damage, and damage from wind. The more expense you choose to pay out-of-pocket, the less money you will pay for auto insurance.
  • Buy as much liability protection as you can afford - Liability insurance will provide protection when you are determined to be liable for causing damage or personal injury in an accident. Your policy's liability insurance provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Men pay higher premiums - Statistics demonstrate females are less aggressive when driving. However, don't assume that females are better at driving than males. Women and men tend to get into auto accidents at about the same rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations such as reckless driving. Teenage male drivers are several times more likely to be in an accident so they pay the highest premiums.

    The diagram below illustrates the comparison of BMW X3 insurance prices for male and female drivers. The premiums assume no accidents or driving violations, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.

  • Loss statistics for a BMW X3 - Insurers use historical loss data when they calculate premium costs for each model. Vehicles that tend to have higher prevalence or dollar amount of losses will have a higher cost to insure.

    The table below outlines the loss history for BMW X3 vehicles. For each type of coverage, the statistical loss for all vehicles combined as an average is considered to be 100. Percentages below 100 imply a favorable loss record, while numbers that are greater than 100 point to more losses or tendency to have larger claims.

    BMW X3 Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    BMW X3 4dr 2WD 122 99
    BMW X3 4dr 4WD 109 93 117 69 64 76
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Lower-cost Los Angeles insurance quotes with discounts

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but once in a while a discount must be asked about before you get the savings.Discount insurance

  • Defensive Driver Discount - Passing a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
  • Buy New and Save - Buying insurance coverage on a new vehicle can save you some money compared to insuring an older model.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Accident Forgiveness - This isn't a discount exactly, but companies like Allstate and GEICO allow you one accident before your rates go up if you are claim-free for a specific time period.
  • Discount for Life Insurance - If the company offers life insurance, you could get better prices if you take out a life policy as well.
  • Cautious Driver Discounts - Insureds without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
  • Onboard Data Collection - Los Angeles drivers who agree to allow driving data submission to track where and when they drive by using a telematics device such as State Farm's In-Drive could save a few bucks if they exhibit good driving behavior.
  • Federal Employees - Federal government employees may qualify for a discount when you quote Los Angeles auto insurance with a few insurance companies.

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you can get free auto insurance, you're out of luck.

The information below shows the difference between BMW X3 insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, claim-free, safe-driver, and multi-policy discounts applied.

A few companies that may include many of the previously listed discounts possibly include:

It's a good idea to ask each insurance company how many discounts you can get. Some credits might not apply in your area. To see insurance companies with the best BMW X3 insurance discounts in California, click here to view.

Buying insurance from Los Angeles insurance agencies

Many people would prefer to get professional advice from a licensed agent and that is a smart decision Experienced insurance agents can help you build your policy and will help you if you have claims. The biggest benefit of comparing rate quotes online is the fact that drivers can get lower rates and still buy from a local agent.

Insurance agents in Los AngelesAfter completing this simple form, your coverage information is immediately sent to participating agents in Los Angeles who will return price quotes and help you find cheaper coverage. There is no reason to find an agent on your own since rate quotes are delivered directly to your email. If you have a need to quote rates from a specific insurance company, you just need to search and find their rate quote page and fill out their quote form.

Choosing an insurance company requires you to look at more than just the premium amount. Any good agent in Los Angeles should know the answers to these questions.

  • How does the company pay claims for a total loss?
  • How many years have they been established?
  • Will they give you a referral list?
  • Does the agent help file claims?
  • Are they actively involved in the community?

Exclusive agents vs. Independent agents

When looking for a reputable agency, you need to know there are two different types of agents and how they are slightly different. Insurance agencies in Los Angeles can either be independent or exclusive depending on the company they work for. Either can handle insurance, but it's important to know the difference in how they write coverage since it can affect the type of agent you choose.

Exclusive Agencies

Exclusive insurance agents can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. Exclusive agents are unable to provide other company's prices so it's a take it or leave it situation. These agents are usually well trained in insurance sales which aids in selling service over price.

Listed below is a short list of exclusive agencies in Los Angeles who can help you get rate quotes.


7154 Melrose Ave - Los Angeles, CA 90046 - (323) 931-1466 - View Map


1375 Sunset Blvd - Los Angeles, CA 90026 - (213) 202-2800 - View Map


1990 Westwood Blvd #100 - Los Angeles, CA 90025 - (310) 234-9600 - View Map

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Independent Insurance Agents

Independent agents are normally appointed by many insurers and that gives them the ability to insure through many companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage which is easy for the insured. If you are trying to find cheaper rates, you need to include price quotes from a few independent agents to get the best comparison.

Listed below are independent agencies in Los Angeles who can help you get price quote information.


5250 W Century Blvd #426 - Los Angeles, CA 90045 - (888) 400-4004 - View Map


11611 San Vicente Blvd #515 - Los Angeles, CA 90049 - (310) 820-5200 - View Map


5331 N Figueroa St - Los Angeles, CA 90042 - (323) 550-1444 - View Map

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Insurance can get complicated

Keep in mind that when it comes to choosing a policy, there isn't really a single plan that fits everyone. Everyone's situation is a little different.Safe vehicles cost less to insure

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Do I have newly-acquired coverage?
  • How do I file an SR-22 for a DUI in California?
  • When should I remove my kid from my policy?
  • Is there a penalty for late payment?
  • Can I get by with minimal medical coverage if I have good health insurance?
  • Is my ex-spouse still covered by my policy?
  • Will damage be repaired with OEM parts?
  • Am I covered when driving a rental car?
  • Is motorclub coverage worth it?

If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Do the work, save more money

Drivers who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, not issuing a premium refund and even policy cancellation. Regardless of your reason, finding a new insurance company is actually quite simple.

In this article, we covered a lot of information how to save on BMW X3 insurance in Los Angeles. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from the least-expected company.

Lower-priced BMW X3 insurance in Los Angeles is attainable from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not have internet price quotes and most of the time these small, regional companies only sell coverage through independent agencies.

Even more information can be read in these articles: