heycar editorial team
- Brilliant in-car technology
- Strong and efficient engines
- Boot is both big and clever
Not so great
- Only room for five
- Busier interior than some rivals
- Expensive optional extras
On the inside
How much does it cost to run
Prices, versions and specification
"The BMW X3 is the brand’s mid-size SUV, so it's big enough to give you a great view out over other traffic and handle family transport duties with aplomb, yet small enough to feel nimble to drive and easy to park."
Unlike some 4x4s, the BMW is more focused on delivering a sporty on-road driving experience than tackling anything too extreme, so it suits most buyers daily routine, but every version comes with four-wheel drive.
Few SUVs strike a better balance between road-holding and comfort, especially when fitted with the optional adaptive dampers, and the X3 is more entertaining to drive than its peers from Volvo, Audi or Land Rover. It grips tenaciously in corners and feels more planted and stable as it changes direction than heavier rivals.
The engine range also impresses, with both four and six-cylinder, petrol and diesel options that are smooth, and strike a fine balance between gutsy performance and decent fuel economy.
If you really want to save money at the pumps, there’s also a plug-in hybrid (PHEV) version with a pure electric range of up to 30 miles, and combined CO2 emissions of just over 50g/km for an ultra-low BIK rate.
Topping the range is the X3 M, a high-performance flagship variant with the same engine that will power the next M3 sports saloon, with over 500bhp and a ballistic 0-62mph time of just 4.1 seconds - it's a rocket ship. Still, most buyers will be more than satisfied with the tractable and frugal 2.0-litre diesel in the xDrive 20d.
Inside, the X3 offers everything you’d want from a premium SUV - space, comfort, and stunning quality. It has a comfortable driving position, the dash design is attractive and modern, with enough practical touches to cope with the daily grind. Material quality is first-rate, and the specification list is as fully stocked as Nigella Lawson's fridge.
All X3s come with leather upholstery, heated seats, an electric tailgate, and sat-nav. The 8.8-inch screen is superb, but the upgraded display and digital dials on M Sport models feel truly cutting-edge. It's one of the best infotainment systems, partly due to the impressive hardware but mostly because it's just so easy to use.
The boot is as spacious as in its closest rivals, and cleverly designed to help you maximise the generous 550-litre load capacity with a minimum of fuss. Although in plug-in hybrid models that space decreases to just 450 litres, with its electric motor and large batteries taking up a lot of space underneath the boot floor.
Where it really stretches ahead of its rivals though, is value for money. It feels luxurious and well built in the cabin, justifying its premium price, but it's better equipped, cheaper to insure and more efficient than many. Combine that with its keen handling, powerful engines and decent practicality, and it's a class-leading effort.
If you're looking for the older version, you need our BMW X3 (2010-2018) review.
Comfort and design
"Setting off on long journeys will hold no sense of trepidation for X3 owners. The standard seats are really comfortable, offering good back and thigh support, toasty heaters, and a commanding high driving position."
You have a great view out, and it's easy to judge where the bumpers end, so it doesn't feel too intimidating to weave through city traffic, although we're glad there are sensors and a camera to assist you when parking.
From the xLine model upwards you get figure-hugging sports seats that hold you tighter around the waist, while the M40i and M40d have electric adjustment with memory buttons that will store your favourite settings.
We do think it mean of BMW not to provide lumbar support on any model, which can make a huge difference to the state of your lower back after hours spent behind the wheel, but it is offered as an inexpensive option. Meanwhile, the pedals are nicely spaced, and there is a wide footrest to prop your left leg up while cruising.
The layout is more conventional than in rivals such as the Volvo XC60 and Land Rover Discovery Sport, with a greater number of physical controls for the audio, climate and infotainment settings. Still, the switches are thoughtfully grouped together and clearly labelled, so once you've acclimatised to the cabin, it's very intuitive.
The digi-analogue dials on lower-spec cars are slightly easier to read than the digital items on M Sport trim, since the speedo and rev counter are pushed to the corners of the 12.3-inch display, but it's a minor gripe.
Handling and ride quality
"BMW likes throwing around its 'Ultimate Driving Machine' tagline, whether it's trying to sell you a hatchback or a luxury limousine, but in the X3's case this really is one of the sweetest handling SUVs on the market."
It strikes an excellent balance between comfort and poise, isolating you from the scruffiest surfaces without losing an ounce of composure or tight body control on faster, challenging roads that would flummox its rivals. The four-wheel drive system sends more power to the rear wheel than the fronts, giving you a sling-shot feel when exiting corners that makes it seem more balanced than its competitors, while still generating huge grip.
The accurate steering varies its weight depending on your speed, lightening up for low-speed manoeuvres so it feels wieldy in busy car parks and narrow suburban streets – it feels less cumbersome than a Land Rover Discovery Sport as a result. On fast roads, the steering weighs up for added stability on straights and more confidence in corners.
Models with large wheels will fidget on pockmarked Tarmac, transmitting small imperfections up into the cabin with greater frequency than cars rolling on fatter tyres, while M Sport trim has a lower setup that's pretty stiff. You can add some compliance back in by fitting a set of adaptive dampers, part of a costly option pack. They give the X3 a decent bandwidth, soft enough in Comfort mode to be stress-free, taut and controlled enough in Sport mode to be fun to hustle about it.
Unlike the top spec versions of the Audi Q5 and Mercedes GLC, you can't specify air suspension, so it won't match those models for the wafty 'magic carpet' feeling you get from gliding along on big inflatable cushions. Still, it rides perfectly well on the adaptive dampers and neither rival gives its driver as much feedback and control as the BMW.
Every X3 drives well, but the M40i, M40d and X3 M have been tuned by the brand's motorsport department. Each has a bespoke setup that gives this tall off-roader impressive cornering ability and handling responses. A Porsche Macan possesses even more precise steering, but in all other respects the hottest X3 matches it.
MPG and fuel costs
"BMW has introduced mild-hybrid technology on its diesel models, with an upgraded electrical system that can harvest energy when braking, and shut off the engine for short periods while cruising to help save fuel."
The results speak for themselves. Even under the stricter WLTP tests, the 20d can return close to 50mpg, and even more impressively, the six-cylinder 286PS 30d is barely any less efficient, with an official 45mpg.
Expect those figures to fall in normal driving, or if you fit larger wheel sizes. Petrol models aren't as frugal, with an official 36mpg for the 20i, but our Real MPG results suggest that is almost achievable in the real world.
If you have a short commute the 30e PHEV will be just the ticket. Its electric motor can travel up to 30 miles without burning any fossil fuel, so it claims more than 120mpg in official tests. To get close to that, you'll need to regularly charge the batteries, and this takes over five hours with a three-pin plug. Using a 7kW wallbox cuts that time in half but BMW charges you extra for the cable to use it.
How much should you be paying for a used BMW X3?
"It’s been on sale more than two years, so there are plenty of low mileage used X3s on the market. The current car is the best yet in terms of its build quality, so picking one up nearly new is a great way to save on optional kit."
It’s been on sale over two years, so there are plenty of low mileage used X3s on the market. The current car is the best yet in terms of its build quality, so picking one up nearly new is a great way to save on optional kit.
You'll need at least £25,000 to get behind the wheel of a 2018 xDrive 20d with 20,000 miles on the clock, but the popularity of the sportier trim levels means you can secure an xLine or desirable M Sport for that money.
Those seeking a little more fizz in their champagne can pick up the quick xDrive 30d for £30,000. A few high mile examples are cheaper, but for that price expect a few choice options and full service book.
The majority of second hand examples are diesels, and the rarity and higher demand for petrol cars means that a 20i will cost you around £3500 more than a 20d of a similar spec, age and condition. It's a similar tale with the plug-in hybrid models - the only cars available are pre-registered, and almost as pricey as a new car.
Ready to get your top quality BMW X3?
- All cars come with a warranty
- Selected dealers only
- All quality checked
xDrive20d M Sport 5dr Step Auto
- 9,655 miles
- Marshall BMW Bournemouth
- Dorset, BH125WB
Representative example: Contract Length: 36 months, 35 Monthly Payments: £617.61, Customer Deposit: £5,662.00, Total Deposit: £5,662.50, Optional Final Payment: £17,609.05, Total Charge For Credit: £7,137.90, Total Amount Payable: £44,887.90, Representative APR: 9.9%, Interest Rate (Fixed): 9.9%, Excess Mileage Charge: 10.02ppm, Mileage Per Annum: 10,000
xDrive20d M Sport 5dr Step Auto
- 15,336 miles
- John Clark BMW Aberdeen
- Kincardineshire, AB123EW
Representative example: Contract Length: 36 months, 36 Monthly Payments: £631.08, Customer Deposit: £3,525.00, Total Deposit: £3,525.00, Total Charge For Credit: £2,743.88, Total Amount Payable: £26,243.88, Representative APR: 8.9%, Interest Rate (Fixed): 8.53%
Is the BMW X3 right for you?
The X3 is from that modern breed of SUVs that are far more comfortable on the road than anywhere else. It has four-wheel drive to help in wintry weather and boost traction on greasy surfaces, but it's no Land Rover.
Still, if you want a large and practical family car that's a bit more rugged than an estate when it counts, it's a hard car to fault. Passenger and boot space are both generous, and the quality of the cabin speaks for itself.
It comes alive on a twisty road, giving you the confidence to drive it with purpose, but remains wonderfully comfortable and quiet on long motorway stints. It's perfect for buyers who want to have their cake and eat it.
Yet perhaps the most impressive aspect of this car is the fuel economy. It's one of only a tiny handful of big, four-wheel drive SUVs that can return well over 45mpg, even with a powerful six-cylinder engine underneath. With an excellent plug-in hybrid model designed for company car drivers, low running costs are a major plus.
What’s the best X3 model/engine to choose?
If you pick the plug-in hybrid X3 then the boot space decreases from 550 to 450-litres, so while the CO2 emissions are incredibly low, practicality suffers. It also comes with the usual caveats for this type of car, in that unless you can charge the battery before every journey, and mainly take short trips, it'll use a lot of fuel the minute the battery runs flat.
In our opinion, the xDrive 20d, with its 190PS diesel motor, is the best option for most buyers, with decent performance and 48mpg+ economy, but we'd be sorely tempted by the six-cylinder 30d if you're buying used.
It is seriously quick and smooth, with only a small drop in fuel efficiency, and its superior refinement makes it even more relaxing over long distances than the four-cylinder model. There's no rival quite like it.
Picking the right trim will also be a matter of personal taste more than a lack of features. The SE specification is so generously equipped that you don't really need to pay for a single option. If you can afford a bit more on top of your monthly payments, then the upgraded infotainment system in M Sport models is the best in class.
What other cars are similar to the BMW X3?
The X3 is at the sportier end of the large SUV spectrum, so its natural rivals are from brands who put the driver at the centre of the action. The Jaguar F-Pace, Alfa Romeo Stelvio and Porsche Macan all fit the bill.
Since the latter is pretty expensive, it only really competes with the six-cylinder versions of the BMW, and is nowhere near as well-equipped for the price, while the Jaguar and Alfa fail to match the X3 for cabin quality.
Audi's Q5 certainly measures up when it comes to cruising refinement and ride comfort, but its dated MMI infotainment hardware is not as slick to use as the iDrive infotainment in the BMW, and it has fewer engines.
If you don't necessarily need four-wheel drive, then the Range Rover Evoque is a stylish, more affordable alternative that can be had in front-wheel drive format, or with as a plug-in hybrid. Though, in most respects, the X3 is a much better car.
We'd also recommend looking at BMW's own 3 Series Touring unless you're convinced you need a high-riding SUV. It's even better to drive, more efficient, features many of the same engines, and is cheaper too.
Quality and finish
For years Audi felt like the unshakeable class leader when it came to building interiors, but the X3 can now stand shoulder-to-shoulder with the current Q5 when it comes to the quality, execution and finish of its cabin.
Every major surface is covered in yielding, soft-touch plastic that looks and feels great, the seats are trimmed in leather, with SE cars getting black hide, and other trims offering a wide a choice of brown, beige and white. Attractive gloss black and brushed metal trims break up the centre stack, heightening the air of quality inside.
All the controls feel sturdy and robust, operating with an oily precision that's really satisfying, and there is no discernible drop in material quality between the passenger space in the front and the rear, which is unusual.
For the ultimate sheen of luxury, you can fit a metallic finish for the window switches, steering wheel controls and audio and temperature dials. It's not a particularly expensive option but looks great, we recommend it.
Depending on the trim, you can fit polished wood, carbon fibre, aluminium or piano black dash finishers, but every car feels solidly constructed. If cared for, it should look as good after five years use as it did when new.
The latest iDrive system in the X3 is one of the best you can get in any premium car. It's intuitive, with bright, colourful displays, detailed graphics, and you can interact with the car using touch, voice, or physical controls.
SE and xLine cars come with an 8.8-inch central display that's nicer than the upgraded systems in its rivals. It responds instantly when you press or swipe the screen, and comes with all the essentials you'll need. DAB radio, Bluetooth, sat-nav, connected online services and Apple and Android smartphone mirroring all feature.
These models have a set of digital/analogue dials that remind us of a nineties Breitling pilot's watch, with a built-in screen showing simple route and driving information, surrounded by a stylish speedo and rev counter.
Rather than offering an upgrading system on the options list, BMW reserves its best technology for M Sport versions, which take things up a notch with a 10.25-inch touchscreen, and 12.3-inch set of fully digital dials. The brand calls this its 'Live Cockpit' but it's not as easy to read, nor as clearly laid out as Audi's own version.
This upgraded system comes with the latest software, with big smartphone-style 'tiles' for each function that are really easy to hit first time. Still, the rotary dial by the gear stick is the best way to control it while driving.
The standard stereo is pretty good, but if you want to get the windows rattling you can swap them out for a punchy Harmon/Kardon system with 16 speakers, a 600W amplifier and rich, resonant sound reproduction.
Sadly, though, it's only available as part of the costly Technology Pack, and can only be fitted to top spec models. Still, you do get a head-up display, wireless phone charging and WiFi hotspot included too.
Space and practicality
Squeezing your luggage into the X3 is made easier than in some rivals thanks to its clever design solutions. It has a 550-litre load bay (exactly the same as its key German rivals) and while it can’t expand that area by sliding the seats forward, there are loads of handy features that should make it incredibly easy to live with.
For starters, the boot opens electrically with the push of a button. Need to drop the rear bench? Pull a pair of handles in the load bay and they fold themselves gracefully into the floor, lying almost perfectly flat and level. They split three ways, giving you the flexibility to carry awkward luggage and two adults without any issues.
There's no lip on the edge of the boot, so you can slide heavier items straight inside, and if you need to pack even more in there's a massive cubby under the floor, which has gas struts to hold it open while you fill it up. Size-wise, it can carry 1,600 litres with the seats folded, slightly more than an Audi Q5.
Passengers on board are well catered for too, since the tall roof and boxy dimensions provide ample head, knee and shoulder room even for tall adults, whether they want to sit in the front or the back. You have the option to recline the backrests as part of the 'Comfort Pack', but you can't slide them to free up extra space.
A Land Rover Discovery Sport has both features as standard, and gives buyers the option of seven seats. Even in five-seat mode, it caters better to having three across the middle row, which is a tight fit in the X3. You can fit a Group 1/2/3 or iSize child seat in the back, and accessing the rear Isofix points is no chore.
The Comfort Pack we mentioned also boosts the already impressive interior storage options. It adds a spot for the driver to stash their sunglasses, a lockable glovebox, 12V socket with USB adaptor between the rear seats (perfect for keeping kid's devices charged up), and extra hooks and lashing points in the boot. You'll have no problem stowing odds and ends in the standard car, but for families this is a worthwhile upgrade.
Engines and gearboxes
Buyers are really spoilt for choice in the X3, there's an engine for every budget, from ultra-efficient hybrids to searingly quick high-performance variants. All of its motors impress though, so it's hard to put a foot wrong.
Whichever engine you go for, it'll be paired up with BMW's excellent xDrive four-wheel drive system, sending power to each corner through a fantastic eight-speed automatic gearbox that's one of the smoothest on sale.
Kicking off the range is a 2.0-litre four-cylinder petrol badged as xDrive 20i. With 184PS it's no slouch, but it lacks the overtaking grunt and impressive economy of the xDrive 20d diesel, which is our pick of the range.
The latter will have more than enough performance for most buyers. It can cope with towing, and haul the X3 around without feeling strained, even when you're fully loaded with passengers and luggage. However, the 3.0-litre six-cylinder in the xDrive 30d absolutely flies along the road, and it's a smoother, quieter cruiser too.
For the ultimate blend of performance and efficiency, the petrol-electric xDrive 30e is a plug-in hybrid, pairing a 2.0-litre petrol engine with a 109PS electric motor. It has very similar performance and electric range to its main rival, the Audi Q5 50 TFSI e, letting you take short trips – up to about 30 miles – without burning any fuel.
However we'd only recommend buying it if you can regularly charge it (ideally at home or at work) and for drivers covering higher annual mileages the cheaper, more consistently economical diesels will still make more financial sense.
If you think all of the above options sound like they lack firepower then you can indulge in either the M40i or M40d. Both are indecently quick off the line, and will give anything this side of a Porsche a run for its money.
The cherry on top of the cake is the X3 M, essentially a hot-rod saloon shoehorned into an SUV body. It has a rampant 500PS output, competing with the Stelvio Quadrifoglio and Mercedes GLC 63S, and F-Pace SVR.
It's as expensive, wild and uneconomical as that recipe sounds, but certainly gives your family SUV an added shot of adrenaline.
Refinement and noise levels
Spending hours at a time travelling in the X3 will be no hardship, it's one of the most refined cars in its class.
It has thicker 'acoustic' glass is fitted to the windscreen and front windows across the range (unlike in the Audi Q5, where it's trim specific) and does a brilliant job of isolating you from wind flutter, engine and road noise. Of course, it can't defy physics, so the largest diameter alloys still create some tyre roar on coarse surfaces.
The 2.0-litre diesel in the xDrive 20d is not the most refined four-cylinder. In fact, it sounds pretty gruff when starting or accelerating hard, but it won't disturb you too often behind the wheel once you get it up to speed.
However the straight-six in the xDrive 30d and M40d is a horse of a different colour. It's super smooth right across its rev range, and despite not sounding sporty, the effortless performance makes for serene progress.
If you want a more melodramatic soundtrack the M40i snarls, crackles and pops in Sport mode, but you can tone everything down again when you're just traipsing along, or to avoid getting ABSOed by the neighbours. Unsurprisingly, the plug-in hybrid xDrive 30e is quiet as a monk when you're running in all-electric mode. All you'll hear is a faint hum from the motor, and, when it rouses the petrol engine, the transfer of power is very smooth.
All X3s benefit from the same slick eight-speed automatic gearbox, and it's a big contributor to the car's high level of refinement. Changes are quick and imperceptibly smooth, and its less jerky than rival transmissions.
Every X3 comes packed with the passive safety equipment you'd expect of any modern car. Six airbags, tyre pressure monitors, electronic stability control, cruise control, and LED headlights are all present and correct.
Not surprisingly, it achieved the maximum five-star rating from Euro NCAP in crash tests, which is par for the course in this class. That's the same score as Audi's Q5, although both the Mercedes GLC and Volvo XC60 did better in the individual adult and child protection categories, the Volvo also got 95% for safety assistance.
Still, just like the best cars in this class, the X3 can help you prevent a crash too. All models get a reversing camera and a set of acoustic parking sensors to help avoid scratching the paint work in tight parking spaces.
BMW also provides 'Active Guard' which is its name for auto-emergency braking. This system can prevent a low-speed shunt, as it detects cars and pedestrians, warning if it senses a collision, and braking if necessary.
That's a comprehensive feature set, but the brand does offer the opportunity to add to that list. For a modest £670 extra, the Driving Assistant includes lane departure warning (vibrating the wheel if you drift out of line), blind spot monitors, sensors that alert you to passing traffic when reversing, and rear collision prevention.
Spend big on the Driving Assistant Plus (£1,750) and you'll get a full suite of active, semi-autonomous driving aids, including adaptive cruise control that brakes to a standstill, and can swerve to avoid objects in the road. With this pack fitted, the X3 can essentially drive itself on the motorway.
Parking Assistant Plus adds surround view cameras, and an impressive augmented reality 3D view of the car displayed on screen that helps you place your X3 with pin-point precision. A foam tyre repair kit is standard.
Insurance groups and costs
Getting coverage for the BMW X3 should inflict less financial pain on you than some of its close rivals will. The lowest rated (and therefore cheapest) model to insure is the xDrive 20i petrol. In SE trim it's in Group 28.
That's seven insurance bands lower than an Audi Q5 or Mercedes GLC, although both rivals do come with a more powerful engine as standard. Diesel drivers needn't fear though, a 20d is only band higher in Group 29.
Of the quicker models, the plug-in hybrid xDrive 30e is the most affordable, sitting up in Group 38. That might be a big jump up from the normal four-cylinder cars, but it's still less than PHEVs from other premium brands.
If you want six-cylinders though, expect your insurer to ask for a hefty annual premium. Both 30d and M40i are in Group 40, while a M40d (which is less powerful than its petrol sibling) goes all the way up to Group 45.
VED car tax
The current X3 was launched in 2018, which means all petrol and diesel models pay the same flat-rate of tax regardless of their efficiency, which is currently £150 per year. The plug-in hybrids get a £10 discount off that.
There's a sting in the tail though, as most X3s cost more than £40,000 when new, they are liable for a luxury tax rate during the first six years of ownership, pushing the annual cost up to £475 for the non-hybrid models.
Brand new cars must pay a first-year tax too, based on each car's CO2 output. For diesel versions that fail to meet certain emissions regulations (the M40d for example) this could cost as much as £1,850. Pick the ultra-low polluting xDrive 30e and you'll pay just £15, a pretty clear incentive for car buyers to adopt electrification.
The 30e will also be the first choice for company users, since its 13% Benefit-in-Kind rate is less than half the 37% of all the other models in the range, potentially saving you several thousand pounds each year.
Trim levels and standard equipment
Every version of the X3 comes so generously equipped that the only real reason to travel up the various trim levels (SE, xLINE, M Sport, and M40i) is to alter the way it looks, although there are a few subtle differences.
The 'basic' model is nobody's idea of a poor cousin, with heated leather seats, an electric tailgate, triple-zone climate control, bright LED headlights, 18-inch alloys, cruise control, and BMW's brilliant iDrive infotainment.
xLine models appear tougher on the outside, with some off-road inspired underbody protection and 19-inch alloys, but apart from a set of snazzy sports seats, there is little to distinguish it from SE trim on the inside.
M Sport does introduce a meaningful spec bump though, with an upgraded infotainment system that has a 10.25-inch screen, the latest software, and a 12.3-inch set of digital dials that looks super slick and modern.
The M40i and M40d get their own unique specification, with sporty details, electric front seats with a memory function, uprated brakes and 20-inch alloy wheels among the highlights, along with bespoke suspension.
As you would expect on a premium model, there are lots of opportunities to upgrade the X3 by ticking a few option boxes, but be warned, this will quickly push up the price. The Comfort Pack is overpriced at £890, but is the only way to get your hands on kit like reclining rear seats, keyless entry, and a heated steering wheel.
A cheaper upgrade we'd add is the £265 for electric lumbar support, but the juiciest (and most expensive) of bundles are reserved for the M Sport models. The £1,900 Technology Pack includes a head-up display, WiFi hotspot, premium sound system, and wireless phone charging, even adding cool gesture controls for iDrive.
On the inside
How much does it cost to run
Prices, versions and specification
Ask the heycar experts: common questions
What is the difference between the X3 and the X5?
The X5 is the bigger brother to the X3. It has a more lavish interior, the option of up to seven seats and a starting price that is nearly £20,000 higher, so it competes in the class above.
Is the BMW X3 a 4x4?
Yes. Every version of the X3 comes with BMW’s excellent xDrive four-wheel drive system as standard. It’s biased to send more power to the rear wheels on the road, for a sportier drive.
What is the BMW X3 like second hand?
It’s been on sale for three years, so there are now plenty of low mileage used X3s available. This third generation (2017-) is the best yet in terms of interior build quality, so picking one up nearly new is a great way to avoid spending big on options and the most expensive trims.
Is the BMW X3 a good car?
The latest X3 is still good to drive, but the focus is now on comfort and refinement, making it a better all rounder than previous generations. It’s one of the best mid-size premium SUVs.
heycar editorial team
How much boot space does the X3 have?
The X3 has a 550-litre load bay (exactly the same as its key German rivals) and while it can’t expand that area by sliding the seats forward, it’s cleverly designed. There is no loading lip, and a pair of handles drop the rear seats automatically when you need to carry more stuff.
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