BMW X1 Car Insurance Cost
To insure a BMW X1 with Unitrin, it usually costs around $1,253 per year. However, the actual cost can change based on factors like your age and the model year of your car. Check out our quote tables below to get a more personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a BMW X1, one crucial aspect to consider is the cost of insurance. 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 BMW X1 Car Insurance Cost?
Typically, Unitrin provides the most competitive rate, averaging at $1,253 annually for full coverage insurance on a 2024 BMW X1.
While Unitrin’s price serves as a good reference point, it’s essential to recognize that car insurance costs can vary significantly based on several factors. These factors include where you live, your driving history, the age of your car, and the specific coverage options you select. Having a clean driving record can result in lower premiums, but if you have a history of accidents or traffic violations, your costs may be higher.
Furthermore, residing in urban areas with heavy traffic might lead to higher insurance rates compared to rural areas with less traffic. The type of coverage you opt for will also affect your premium. Full coverage insurance, which includes comprehensive and collision coverage, typically costs more than minimum liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring you find the most suitable and cost-effective coverage for your needs.
2024 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,253 |
2023 BMW X1 Insurance Rates
| 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
| 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
| 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
| 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
| 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 |
2018 BMW X1 Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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 Rates Today
Cost of BMW X1 Car Insurance By Age
| 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
| 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 |
Compare BMW X1 To Other BMW Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
Quotes Analyzed
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Research Hours
Years Of Experience
