BMW X1 Car Insurance Cost 2025
Insurance for a BMW X1 averages $1,253 annually. However, the actual cost can differ based on factors like your age, the car’s model year, and other individual circumstances. Use our quote tables to get a personalized estimate of your insurance costs.
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If you’re thinking about buying a BMW X1, one crucial aspect to consider is the cost of insurance. On average, insurance for a BMW X1 costs $1,253 per year. Insurance plays a vital role in car ownership, so it’s essential to understand its implications before making a purchase.
Selecting the right car insurance policy is important to avoid unexpected and potentially high expenses in the future. Having insufficient coverage during an accident could result in significant out-of-pocket costs. Moreover, if you’re deemed at fault for accidents, there’s the risk of increased premiums.
Having analyzed car insurance rates for over a decade, I’ve observed significant variations in costs. Factors like age, driving record, and location can heavily impact insurance premiums. It’s crucial to carefully consider these factors when choosing insurance for your BMW X1.
How Much Does A BMW X1 Car Insurance Cost?
BMW X1 drivers typically pay an average of $1,253 annually for car insurance.
The cost of car insurance for a BMW X1 can vary widely depending on several factors. Key influences include your location, driving record, the model year of your vehicle, and the coverage options you choose. Maintaining a clean driving record typically leads to lower premiums, while a history of accidents or violations may increase your rates.
Living in a busy urban area with heavy traffic might result in higher premiums compared to rural areas with lighter traffic. Additionally, opting for comprehensive insurance, which includes collision and full coverage, tends to be more expensive than selecting minimum liability coverage.
The table below shows that insurance costs for a BMW X1 are lower than the average cost for all BMW models. However, they remain less expensive compared to the average cost for all vehicles.
Insuranceopedia can help you compare quotes from multiple providers, enabling you to secure the best rate for your needs.
| Vehicle | Average Monthly Premium |
| BMW X1 | $169 |
| All BMWs | $198 |
| All Cars | $175 |
Average Insurance Cost Of BMW X1 By Model Year
| Model Year | Average Premium |
| 2024 BMW X1 | $1,253 |
| 2023 BMW X1 | $1,123 |
| 2022 BMW X1 | $1,426 |
| 2021 BMW X1 | $822 |
| 2020 BMW X1 | $1,078 |
| 2019 BMW X1 | $972 |
| 2018 BMW X1 | $820 |
| 2017 BMW X1 | $814 |
| 2016 BMW X1 | $770 |
| 2015 BMW X1 | $773 |
| 2014 BMW X1 | $848 |
| 2013 BMW X1 | $895 |
| 2012 BMW X1 | $2,616 |
2024 BMW X1 Insurance Rates
The average annual insurance cost for a 2024 BMW X1 $1,253. However, Unitrin offers the cheapest rates, averaging $1,253 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,253 |
2023 BMW X1 Insurance Rates
The average annual insurance cost for a 2023 BMW X1 $1,123. However, Pekin Insurance offers the cheapest rates, averaging $650 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,154 |
| Safeco | $913 |
| Pekin Insurance | $650 |
| Texas Farm Bureau Group | $1,152 |
| Country | $997 |
| Grange Mutual | $1,315 |
| Hastings Mutual Insurance Co | $1,474 |
| Auto-Owners Insurance Co | $908 |
| First Chicago Insurance | $1,504 |
| Rockford Mutual Insurance | $1,167 |
2022 BMW X1 Insurance Rates
The average annual insurance cost for a 2022 BMW X1 $1,426. However, Pekin Insurance offers the cheapest rates, averaging $701 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,670 |
| Grange Mutual | $1,746 |
| SECURA Insurance | $1,419 |
| Texas Farm Bureau Group | $1,063 |
| Travelers | $1,815 |
| Virginia Farm Bureau | $1,332 |
| Pekin Insurance | $701 |
| Allied | $1,470 |
| New Jersey Manufacturers | $1,760 |
| Country | $1,283 |
2021 BMW X1 Insurance Rates
The average annual insurance cost for a 2021 BMW X1 $1,426. However, Kemper Auto | Infinity offers the cheapest rates, averaging $144 per year.
| Insurance Provider | Average Annual Cost |
| Rockford Mutual Insurance | $1,142 |
| Safeco | $196 |
| Pekin Insurance | $784 |
| Virginia Farm Bureau | $1,111 |
| Kemper Auto | Infinity | $144 |
| SECURA Insurance | $968 |
| Hastings Mutual Insurance Co | $1,137 |
| Mercury Insurance | $873 |
| New Jersey Manufacturers | $1,130 |
| NatGen Value | $738 |
2020 BMW X1 Insurance Rates
The average annual insurance cost for a 2020 BMW X1 $1,426. However, Kemper Auto | Infinity offers the cheapest rates, averaging $489 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,096 |
| New Jersey Manufacturers | $1,196 |
| Kemper Auto | Infinity | $489 |
| Direct Auto | $1,185 |
| Mercury Insurance | $1,183 |
| Mutual Of Enumclaw | $1,348 |
| North Star | $1,288 |
| Safeco | $905 |
| West Bend Mutual | $1,214 |
| Farm Bureau Mutual (IA Group) | $880 |
2019 BMW X1 Insurance Rates
The average annual insurance cost for a 2019 BMW X1 $972. However, Safeco offers the cheapest rates, averaging $598 per year.
| Insurance Provider | Average Annual Cost |
| Oregon Mutual | $1,402 |
| SafeAuto | $661 |
| Kemper Auto | Infinity | $1,054 |
| 21st Century | $1,294 |
| American National P | $719 |
| Hastings Mutual Insurance Co | $708 |
| Direct Auto | $1,006 |
| Mercury Insurance | $854 |
| Safeco | $598 |
| Auto-Owners Insurance Co | $1,419 |
Find Affordable BMW X1 Insurance Rates
2018 BMW X1 Insurance Rates
The average annual insurance cost for a 2018 BMW X1 $820. However, NatGen Custom 360 offers the cheapest rates, averaging $462 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $948 |
| NatGen Advantage | $555 |
| SECURA Insurance | $955 |
| Pekin Insurance | $728 |
| Aspire Savings Roadside | $1,023 |
| NatGen Custom 360 | $462 |
| Buckeye Insurance Group | $885 |
| Kemper Auto | Infinity | $1,071 |
| Texas Farm Bureau Group | $1,003 |
| Safeco | $566 |
2017 BMW X1 Insurance Rates
The average annual insurance cost for a 2017 BMW X1 $814. However, Safeco offers the cheapest rates, averaging $99 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $99 |
| Unigard | $950 |
| Buckeye Insurance Group | $1,144 |
| Rockford Mutual Insurance | $1,148 |
| PEMCO | $988 |
| Mercury Insurance | $586 |
| Pekin Insurance | $654 |
| SafeAuto | $610 |
| Texas Farm Bureau Group | $930 |
| SECURA Insurance | $1,031 |
2016 BMW X1 Insurance Rates
The average annual insurance cost for a 2016 BMW X1 $770. However, Safeco offers the cheapest rates, averaging $176 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $459 |
| Concord Group | $935 |
| Oregon Mutual | $878 |
| North Carolina Farm Bureau | $929 |
| NatGen Value | $952 |
| Safeco | $176 |
| Virginia Farm Bureau | $854 |
| Utica National Ins Group | $737 |
| PEMCO | $801 |
| Direct Auto | $981 |
2015 BMW X1 Insurance Rates
The average annual insurance cost for a 2015 BMW X1 $773. However, Safeco offers the cheapest rates, averaging $226 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $781 |
| Texas Farm Bureau Group | $894 |
| Buckeye Insurance Group | $908 |
| Kentucky Farm Bureau | $1,022 |
| Mercury Insurance | $378 |
| North Carolina Farm Bureau | $925 |
| Safeco | $226 |
| PEMCO | $1,008 |
| West Bend Mutual | $806 |
| American National P | $780 |
2014 BMW X1 Insurance Rates
The average annual insurance cost for a 2014 BMW X1 $848. However, Safeco offers the cheapest rates, averaging $332 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $852 |
| Safeco | $332 |
| Mercury Insurance | $875 |
| American National P | $667 |
| SafeAuto | $979 |
| Texas Farm Bureau Group | $709 |
| Oregon Mutual | $1,056 |
| Pekin Insurance | $1,174 |
| SECURA Insurance | $917 |
| North Carolina Farm Bureau | $917 |
2013 BMW X1 Insurance Rates
The average annual insurance cost for a 2013 BMW X1 $895. However, Safeco offers the cheapest rates, averaging $109 per year.
| Insurance Provider | Average Annual Cost |
| Ohio Mutual Ins Group | $826 |
| Kemper Auto | Infinity | $792 |
| Farm Bureau Mutual (IA Group) | $1,009 |
| Safeco | $109 |
| PEMCO | $957 |
| Capital Insurance Group | $1,208 |
| Buckeye Insurance Group | $854 |
| Indiana Farmers Mutual Ins | $1,165 |
| Plymouth Rock | $1,033 |
| Pekin Insurance | $996 |
2012 BMW X1 Insurance Rates
The average annual insurance cost for a 2012 BMW X1 $2,616. However, Southern Farm Bureau offers the cheapest rates, averaging $1,270 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,978 |
| NatGen Value | $2,794 |
| Erie | $2,952 |
| State Farm | $3,138 |
| Travelers | $3,020 |
| Automobile Club of Missouri | $2,936 |
| USAA | $1,957 |
| Metropolitan | $3,009 |
| Southern Farm Bureau | $1,270 |
| Safe Auto | $3,103 |
Find Affordable BMW X1 Insurance Rates
Cost of BMW X1 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers generally face the highest premiums due to their higher risk of accidents. As drivers age and gain experience, their premiums tend to decrease, reflecting a lower likelihood of claims.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,855 | $11,529 | $13,502 |
| 18 | $7,282 | $10,728 | $12,579 |
| 19 | $6,481 | $9,528 | $11,152 |
| 20 | $5,686 | $8,255 | $9,736 |
| 21 | $4,751 | $6,939 | $8,080 |
| 22 | $4,575 | $6,751 | $7,948 |
| 23 | $4,006 | $5,957 | $6,940 |
| 24 | $3,837 | $5,603 | $6,538 |
| 25 | $3,280 | $4,844 | $5,638 |
| 30 | $2,598 | $3,735 | $4,468 |
| 35 | $2,448 | $3,511 | $4,173 |
| 40 | $2,320 | $3,426 | $3,966 |
| 45 | $2,297 | $3,347 | $3,899 |
| 55 | $2,060 | $2,991 | $3,567 |
| 65 | $2,131 | $3,183 | $3,753 |
| 75 | $2,740 | $3,987 | $4,655 |
BMW X1 Car Insurance Rates By State
Where you live is a significant factor in determining car insurance rates. Each state has its own regulations and requirements, which can impact premiums. For example, Michigan drivers often face higher premiums due to the state’s mandatory higher levels of coverage. Local climate also plays a role, with areas prone to extreme weather like hurricanes, storms, or flooding seeing higher rates. Additionally, factors such as crime rates, auto accidents, thefts, and fatalities are considered. Insurance companies factor in these regional elements when calculating your BMW X1 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,475 | $3,551 | $4,563 |
| Alaska | $1,988 | $2,809 | $2,763 |
| Arizona | $2,339 | $3,288 | $4,844 |
| Arkansas | $2,528 | $3,938 | $4,338 |
| California | $2,769 | $4,950 | $2,766 |
| Colorado | $2,625 | $3,691 | $4,624 |
| Connecticut | $3,323 | $5,217 | $6,555 |
| Delaware | $2,791 | $3,717 | $4,691 |
| Florida | $3,282 | $4,597 | $5,940 |
| Georgia | $2,665 | $4,064 | $4,030 |
| Hawaii | $1,037 | $1,417 | $1,088 |
| Idaho | $1,856 | $2,517 | $3,048 |
| Illinois | $1,985 | $2,939 | $3,328 |
| Indiana | $2,032 | $3,045 | $3,390 |
| Iowa | $1,613 | $2,227 | $2,611 |
| Kansas | $2,115 | $3,100 | $3,626 |
| Kentucky | $3,038 | $4,492 | $5,325 |
| Louisiana | $3,904 | $5,913 | $6,445 |
| Maine | $1,468 | $2,083 | $3,058 |
| Maryland | $2,417 | $3,522 | $3,927 |
| Massachusetts | $1,944 | $3,388 | $1,887 |
| Michigan | $4,667 | $7,104 | $11,136 |
| Minnesota | $1,866 | $2,527 | $3,604 |
| Mississippi | $2,302 | $3,312 | $3,339 |
| Missouri | $2,168 | $3,074 | $4,104 |
| Montana | $2,256 | $3,118 | $3,620 |
| Nebraska | $1,826 | $2,736 | $2,980 |
| Nevada | $3,056 | $4,565 | $4,829 |
| New Hampshire | $2,130 | $3,388 | $4,281 |
| New Jersey | $2,366 | $3,711 | $4,884 |
| New Mexico | $2,459 | $3,617 | $3,693 |
| New York | $2,186 | $2,831 | $4,700 |
| North Carolina | $1,347 | $2,416 | $1,736 |
| North Dakota | $1,861 | $2,928 | $3,360 |
| Ohio | $1,687 | $2,606 | $2,686 |
| Oklahoma | $2,719 | $3,851 | $4,367 |
| Oregon | $2,498 | $3,281 | $3,984 |
| Pennsylvania | $2,023 | $3,018 | $3,592 |
| Rhode Island | $3,423 | $5,098 | $5,750 |
| South Carolina | $2,345 | $3,227 | $4,451 |
| South Dakota | $2,109 | $3,007 | $3,463 |
| Tennessee | $2,499 | $3,636 | $4,852 |
| Texas | $2,501 | $3,595 | $4,445 |
| Utah | $2,079 | $3,020 | $4,138 |
| Vermont | $1,652 | $2,522 | $2,636 |
| Virginia | $1,561 | $2,312 | $2,341 |
| Washington | $2,038 | $2,788 | $3,267 |
| West Virginia | $2,002 | $2,980 | $3,630 |
| Wisconsin | $2,040 | $3,234 | $3,614 |
| Wyoming | $1,875 | $2,641 | $2,867 |
Find Affordable BMW X1 Insurance Rates
Cheapest Car Insurance Companies For A BMW X1
If you’re looking to purchase a new car insurance policy for your BMW X1, StateAuto is known for offering the most affordable premium, with an average rate of $26 per month. However, keep in mind that rates can vary based on your driver profile, including factors like age, location, driving history, and more. To find the best rate for your specific situation, it’s a good idea to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| StateAuto | $26 |
| Hugo | $36 |
| Shelter Mutual | $34 |
| MetroMile | $40 |
| MetLife | $31 |
Common BMW X1 Insurance Discounts
Discounts are an excellent way to reduce your car insurance expenses. Many auto insurance providers offer unique discounts, but some common ones to explore include:
- Multi-policy: Bundle your home and auto insurance policies with the same provider for a reduced rate.
- Pay annually: Save by paying your premium in full upfront instead of monthly installments.
- Defensive driving: Completing a certified defensive driving course may qualify you for additional savings.
Be sure to speak with your insurance agent to learn about other discounts you may be eligible for and maximize your savings.
Ways To Save On BMW X1 Insurance Costs
Maintaining a clean driving record is crucial for keeping your BMW X1 insurance costs low. If you have a ticket on your record, you can expect to pay an average of $85 per month for insurance. Multiple accidents will typically raise your premium to about $74 per month. Avoiding these incidents will help you keep your insurance costs down.
Additionally, driving fewer miles each year can also lower your premium, as you are considered less risky to insure. For instance, if you drive between 5,001-7,500 miles per year, your insurance will likely cost around $66 per month. However, if you drive over 10,000 miles annually, you might see your premium increase to about $68 per month.
Compare BMW X1 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
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- BMW 430xi Car Insurance
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- BMW 530xe Car Insurance
- BMW 540 Car Insurance
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- BMW 640 Car Insurance
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- BMW 7 Series 750 Car Insurance
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- BMW X4 Car Insurance
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- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
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- BMW X6 Car Insurance
- BMW X2 Car Insurance
Our Methodology
Insuranceopedia calculated average car insurance costs by aggregating thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that your individual results may differ based on your specific profile, location, and other factors.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW X1?
Yes, before driving your BMW X1 off the dealership lot, you’ll need to provide proof of insurance. It’s advisable to purchase a policy ahead of time and inform your insurance company that you are about to buy the car. This way, you ensure that you’re covered from the moment you drive off the lot. It’s typically more straightforward and may give you more control over the policy compared to getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your BMW X1?
The best way to find the cheapest rates for your BMW X1 is by shopping around and comparing quotes from different auto insurance companies. By comparing options, you can ensure you’re getting the best deal for your specific needs. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right on their website, making the process easier and more efficient.
