2021 bmw x3
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2021 BMW X3

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25 city / 29 hwy

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2021 BMW X3
$545 / month
$638 / month
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Buying Tips

What you must know before buying the BMW X3

Matthew Keegan
Contributing Editor - September 4, 2020
  • 2020 BMW X3s available; 2021s arriving
  • Incentive: $1,000 college grad
  • Finance: 0.9% + $2,500 APR credit
  • Lease: From $429 for 36 months

The 2020 BMW X3 is available:

The 2020 BMW X3 is available, largely a carryover model. The M40i variant gets a boost in performance to 382 horsepower. As for the 2021s, they're arriving or you can order one.

The current offers are in place through September 30, 2020. We're not expecting an update before October.

For our examples, these deals are for the 2020 model and cover the western states.

Special offers this month:

BMW supplies a $2,500 APR credit for customers who finance their purchase with BMW Financial. The credit is applied against your final costs, saving you money.

If you're a current BMW owner or are coming from a competing brand, a $500 loyalty/conquest bonus is available.

For the recent college graduate, there is an additional incentive available to you. You may combine BMW’s $1,000 college grad rebate with other offers, lowering your upfront costs accordingly. Check with your BMW dealer to confirm eligibility.

Excellent promotional financing available:

BMW offers 0.9-percent APR financing for 60 months and includes a $2,500 APR credit. BMW’s financing rate is down nearly two points since April.

A lease offer for your consideration:

Once again this month, BMW's lease offer includes a $500 conquest/loyalty discount that's reflected in the cost.

Choose a 2020 BMW X3 xDrive28i and you'll pay $429 per month for 36 months with $3,999 due at signing. The effective monthly cost is $540, which is $10 less than what was offered in June. It is also higher than where we think it should be.

BMW’s lease deals include 10,000 miles per year for your driving allowance. At lease end, you will pay a $350 disposition fee.

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Promotional APR Offer Promotional APR programs available for qualified buyers. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Residents residing in qualifying regions of the United States. %Qualification% Rates are dependent on customers Credit Tier Rating.
Term(s)24 - 60
Rate %1.9%
Eligibility Residents residing in qualifying regions of the United States.

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Leases For Similar Cars

Based on 2021 BMW X3 sDrive30i 4dr 4x2 Sports Activity Vehicle - MSRP $43,995

Best BMW Deals & Lease Offers In September

Shoppers can expect to see more of the same from BMW heading into September. Deals continue to favor financing with 0.9% APR for 60 months. In most cases, low APR can be combined... View All BMW Lease Deals

2021 BMW X3 Overview

Joel Patel
Automotive Editor

What's New

The 2021 BMW X3 adds Android Auto compatibility, satellite radio, and more active safety features for the new model year. The plug-in hybrid X3 30e and sporty M40i also get a 12.3-inch digital instrument cluster. These are minor changes, but they certainly help the X3 be more competitive in the compact luxury crossover class.

The X3 continues to be one of the more well-rounded choices in the segment. Filled with high-tech features, offering a sporty ride, and boasting a spacious interior that’s also comfortable, the X3 manages to combine a little bit of everything in one excellent package.

Choosing Your BMW X3

There are three trims for the X3: 30i, 30e, and M40i. Prices start at $43,995 including destination for the 30i and go up to $57,595 for the M40i.

Engine Choices

There are three different engine choices for the X3. The 30i features a 2.0-liter turbocharged four-cylinder, while the 30e adds an electric motor and lithium-ion battery to the same motor. The M40i houses a 3.0-liter turbo six-cylinder.

Engine TypeHorsepowerTorque0-60 mph TimeFuel Economy (Combined)
2.0L Turbo 4-Cylinder248 hp258 lb-ft6.0 seconds27 mpg
2.0L Turbo 4-Cylinder Plug-In Hybrid288 hp310 lb-ft5.9 secondsNot Yet Rated
3.0L Turbo 6-Cylinder382 hp368 lb-ft4.4 seconds23 mpg

Every engine is paired with an eight-speed automatic transmission. All-wheel drive is standard on the 30e and M40i and available for $2,00 on the 30i, which has standard rear-wheel drive.

Out of the three engines, we’re most impressed with the six-cylinder, which brings 134 more horsepower than the base motor and much more impressive performance for a marginal hit in fuel economy. It’s important to note that every X3 requires premium gasoline.

Passenger and Cargo Capacity

The BMW X3 has seating for up to five passengers. When it comes to cargo capacity, it can hold 28.7 cubic feet of cargo behind the rear seats and a total of 62.7 cubic feet with the rear bench folded. That’s more than what you’ll find in the X3’s main competitors, the Audi Q5 and Mercedes-Benz GLC-Class.

Cargo capacity falls to 27.2 cubic feet behind the second row in the 30e.

Safety Features

Standard safety features on the X3 include forward collision warning, automatic emergency braking, pedestrian detection, front and rear parking sensors, lane departure warning, blind-spot monitoring, and rear cross-traffic alert. The M40i trim adds automatic high beams.

The $700 Parking Assistance Package brings a surround-view camera and an automated parking system. Adaptive cruise control is available through the Driving Assistance Professional Package that costs $1,700.

The 2021 X3 carries a five-star overall safety rating from the NHTSA.


BMW’s iDrive infotainment system is standard on every X3 and is controllable through a 10.25-inch touchscreen. Both Apple CarPlay and Android Auto are standard, as are wi-fi hot spot capability, a 12-speaker audio system, satellite and HD radio, two USB ports, navigation, and a 5.7-inch display in the instrument cluster.

The 30e and M40i get a 12.3-inch digital gauge cluster display, which is available on the 30i for $900. A wireless charging pad is a $500 standalone option, as is a 16-speaker Harman Kardon surround-sound audio system for $875. A head-up display is available through the Premium or Executive Package.

30i - From $43,995

The X3 30i is the entry-level model and the most popular in the lineup. It features 18-inch wheels, roof rails, aluminum exterior trim pieces, rain-sensing windshield wipers, and LED headlights, daytime running lights, and fog lights. Every 30i model also comes with tri-zone automatic climate control, synthetic leather upholstery, 10-way power front seats, an auto-dimming rearview mirror.

A variety of optional packages are available. The Convenience Package costs $1,850 and brings a panoramic moonroof, remote keyless entry, and lumbar support. The Premium Package ($4,500) adds the 12.3-inch digital gauge cluster, a head-up display, heated front seats, and a heated steering wheel in addition to those three.

30e - From $50,595

The 30e comes with the plug-in hybrid powertrain and all-wheel drive as standard. BMW says to expect 17 miles of all-electric driving range, but charging times are to be determined. The 30e also gets the 12.3-inch digital gauge cluster as standard.

M40i - From $57,595

The M40i trim is the most powerful trim in lineup with its turbo-six engine. It also gets an aerodynamic body kit, 19-inch wheels, a sport steering system, M sport brakes, blue calipers, and an M sport suspension. Interior upgrades include a panoramic moonroof, a hands-free trunk, a leatherette dashboard, and 14-way power sport seats.

The Shadowline Design is an extra $300 and brings more black exterior trim pieces. An adaptive M suspension costs $700, while an M sport differential is priced at $1,300.

Compare X3 Trims Side-By-Side

CarsDirect Tip

To get the most out of the 2021 BMW X3, we recommend going with the 30i. We would also get the Premium Package. The result is a luxurious and high-tech vehicle that’s sure to impress, all while being priced somewhat reasonably.

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