Car insurance
BMW X3 car insurance: prices compared
BMW X3 xDrive20i, 3 years old, 50% no-claim discount
As of 28 Oct 2026 (Singapore time)
17 insurers price this, from S$856.04 to S$3,266.15 (as at 20 Oct 2026).
The BMW X3 in short
For the driver above, AIG is cheapest for the BMW X3 today, at S$856.04 for its AIG Car Insurance Collision Only plan. 17 insurers price it; the dearest of them, Etiqa, asks at least S$3,266.15, S$2,410.11 (282% more) on top, so comparing pays. Of the changes below, the one that costs most is "the same driver with no NCD (0%)": the lowest price rises to S$1,289.99, 51% more.
What we assumed
- BMW X3 xDrive20i
- Car registered 3 years ago, private use, comprehensive cover
- Main driver aged 40, married, office job, driving 10 years
- 50% no-claim discount, no claims; repairs at an authorised workshop; no options
Example prices
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| AIGAIG Car Insurance Collision Only | AIG Car Insurance Collision Only | S$856.04 | S$600.00 | 21 Oct 2026 |
| HL AssuranceCar Protect360 Comprehensive | Car Protect360 Comprehensive | S$1,200.00 | 20 Oct 2026 | |
| ECICSComprehensive | Comprehensive | S$750.00 | 22 Oct 2026 | |
| FWDDrivo Classic | Drivo Classic | S$1,051.72 | S$600.00 | 20 Oct 2026 |
| IncomeDrivo Classic | Drivo Classic | S$1,051.72 | S$600.00 | 20 Oct 2026 |
| AIGAIG Car Insurance Complete | AIG Car Insurance Complete | S$1,127.44 | S$600.00 | 21 Oct 2026 |
| SinglifeMotor Lite | Motor Lite | S$1,153.97 | S$3,000.00 | 20 Oct 2026 |
| SompoComprehensive Cover – Authorised Workshop Plan | Comprehensive Cover – Authorised Workshop Plan | S$1,160.94 | S$600.00 | 20 Oct 2026 |
| India InternationalComprehensive (any workshop or authorised workshops) | Comprehensive (any workshop or authorised workshops) | S$1,202.65 | S$600.00 | 20 Oct 2026 |
| MS First CapitalComprehensive | Comprehensive | S$1,210.02 | S$500.00 | 20 Oct 2026 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,255.49 | S$600.00 | 20 Oct 2026 |
| DirectAsiaCar Insurance – Comprehensive, Value plan | Car Insurance – Comprehensive, Value plan | S$1,289.99estimate | S$800.00 | 21 Oct 2026 |
| FWDDrivo Premium | Drivo Premium | S$1,314.65 | S$600.00 | 20 Oct 2026 |
| IncomeDrivo Premium | Drivo Premium | S$1,314.65 | S$600.00 | 20 Oct 2026 |
| SinglifeMotor Standard | Motor Standard | S$1,326.40 | S$2,500.00 | 20 Oct 2026 |
| ERGOSMART Comprehensive | SMART Comprehensive | S$1,333.36 | S$500.00 | 23 Oct 2026 |
| DirectAsiaCar Insurance – Comprehensive, Value Plus plan | Car Insurance – Comprehensive, Value Plus plan | S$1,336.78estimate | S$800.00 | 21 Oct 2026 |
| ECICSComprehensive Family NCD Builder | Comprehensive Family NCD Builder | S$750.00 | 22 Oct 2026 | |
| UOIUniCar Comprehensive Value | UniCar Comprehensive Value | S$1,393.06 | S$500.00 | 18 Oct 2026 |
| QBEPrivate Motor Prestige Comprehensive | Private Motor Prestige Comprehensive | S$1,456.49 | S$3,000.00 | 22 Oct 2026 |
| AllianzAllianz Motor Protect Comprehensive | Allianz Motor Protect Comprehensive | S$1,476.99 | S$2,000.00 | 21 Oct 2026 |
| ERGOENHANCED Comprehensive | ENHANCED Comprehensive | S$1,788.09 | S$500.00 | 23 Oct 2026 |
| SinglifeMotor Prestige | Motor Prestige | S$1,817.18 | S$2,500.00 | 20 Oct 2026 |
| DirectAsiaCar Insurance – Comprehensive, Flexible plan | Car Insurance – Comprehensive, Flexible plan | S$1,861.20estimate | S$800.00 | 21 Oct 2026 |
| LibertyComprehensive Preferred Plan | Comprehensive Preferred Plan | S$2,015.29estimate | S$600.00 | 22 Oct 2026 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | Private Car Insurance – Comprehensive (Authorised Workshop) | S$2,500.00 | 20 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
Open the quote form with these answers filled in, then change anything that is different for you.
Get your own quoteHow the BMW X3 price changes
The lowest price today when one thing about the driver or the car changes. Every other answer stays as above.
| Driver and car | Lowest price | Against this page | Insurers | Cheapest |
|---|---|---|---|---|
| This page: driver aged 40, 10 years’ driving, 50% NCD, car 3 years old | S$856.04 (as at 21 Oct 2026) | 17 | AIG | |
| The same driver with no NCD (0%) | S$1,289.99 (as at 21 Oct 2026) | S$433.95 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,289.99 (as at 21 Oct 2026) | S$433.95 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,289.99 (as at 21 Oct 2026) | S$433.95 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,026.65 (as at 21 Oct 2026) | S$170.61 more | 16 | AIG |
| A new car (registered this year) | S$1,051.72 (as at 20 Oct 2026) | S$195.68 more | 15 | FWD |
| A car 8 years old | S$813.89 (as at 21 Oct 2026) | S$42.15 less | 17 | AIG |
Open a line to get a quote with those answers filled in. Quotes by driver: the BMW X3 priced for 31 typical drivers, from new drivers to over-70s.
The BMW X3 on our quote form
We priced the BMW X3 xDrive20i (1,998cc), the version most of our insurers quote. The form lists 10 versions of the BMW X3; insurers can price them differently, so pick yours when you quote.
- BMW X3 2.0 1,995cc
- BMW X3 2.5 2,494cc
- BMW X3 3.0 2,993cc
- BMW X3 M40I 2,998cc
- BMW X3 SDRIVE 20i 1,997cc
- BMW X3 xDrive20i 1,998cc
- BMW X3 xDrive28i 1,997cc
- BMW X3 xDrive28i 3.0 2,996cc
- BMW X3 xDrive30IA 1,998cc
- BMW X3 xDrive35i 2,979cc
Insurers with no online price for the BMW X3
- Budget Direct: This insurer has no online price for this car model yet.
Some insurers give car prices only through their agents; they are on our insurer list.
The BMW X3 against similar cars
The same driver and car age, each car at the version most insurers quote.
| Car | Engine | Lowest price | Against the BMW X3 | Insurers |
|---|---|---|---|---|
| Toyota Harrier | 1,986cc | No online price | 0 | |
| Mercedes-Benz E-Class | 1,991cc | No online price | 0 | |
| Toyota Voxy | 1,797cc | No online price | 0 | |
| Lexus NX | 1,998cc | No online price | 0 | |
| Lexus RX | 1,998cc | No online price | 0 | |
| Mercedes-Benz GLC | 1,991cc | No online price | 0 |
COE for the BMW X3
With a 1,998cc engine, above 1,600cc, the BMW X3 xDrive20i needs a Category B COE (S$131,901 in the October 2026, 2nd round).
The COE is bought separately from insurance. The latest COE results are updated after every bidding round.
You finish buying on the insurer's own site. The insurer takes payment and issues the policy. This page is also available as markdown.
Questions people ask
How much is car insurance for BMW X3 xDrive20i, 3 years old, 50% no-claim discount?
Today, 17 insurers price this, from S$856.04 to S$3,266.15 (as at 20 Oct 2026). The cheapest is AIG AIG Car Insurance Collision Only at S$856.04 (as at 21 Oct 2026). All prices include 9% GST.
What do these prices assume?
BMW X3 xDrive20i. Car registered 3 years ago, private use, comprehensive cover. Main driver aged 40, married, office job, driving 10 years. 50% no-claim discount, no claims; repairs at an authorised workshop; no options.
Will my own price be the same?
Not always. These are example prices for the assumptions on this page, and your own price depends on your answers. The quote form opens with these answers filled in, so you can change anything that is different for you.
How much does a 50% no-claim discount save on BMW X3 insurance?
Today the lowest price for our standard driver is S$856.04 (as at 21 Oct 2026) with 50% NCD and S$1,289.99 (as at 21 Oct 2026) with no NCD, so the discount saves S$433.95 a year.
Do younger drivers pay more to insure a BMW X3?
Yes. A driver aged 27 with 3 years’ driving and 30% NCD pays from S$1,289.99 (as at 21 Oct 2026) today, S$433.95 more than our standard driver aged 40.
Which insurers have no online price for the BMW X3?
Budget Direct. It gives no online price for this model; a broker can still ask it for one.