BMW X1 Insurance Cost


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Key Takeaways

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BMW X1 insurance costs range from $71 to $279 monthly depending on your model year and trim level.

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BMW X1 affordability ranks 456th out of 827 vehicle models in the United States insurance market from 2000 to 2025.

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Travelers offers the most affordable BMW X1 full coverage at $149 monthly, while minimum coverage starts at $69 per month.

How Much Is BMW X1 Insurance?

BMW X1 insurance costs average $96 monthly for minimum coverage and $188 per month for full coverage. Depending on your particular trim and model year, costs can range from $71 to $279 monthly for BMW X1 insurance.

BMW X1$96$188
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BMW X1 Insurance Cost by Model Year

Your BMW X1 insurance rates depend on the model year and trim options available during that time. Newer models cost more to insure due to their higher fair value. Monthly premiums for BMW X1 coverage range from $78 for older models to $271 for the newest versions.

2025$97$190
2024$114$223
2023$108$210
2022$137$271
2021$120$236
2020$97$189
2019$99$194
2018$96$187
2017$89$172
2016$81$157
2015$78$151
2014$79$153
2013$81$156

BMW X1 Insurance Cost by Trim

Your BMW X1's trim affects insurance costs based on its features, market value and desirability. Monthly premiums range from $77 to $224 depending on which trim you drive, with higher-end models typically costing more to insure than base trims.

Xdrive35i Sport Utility 4d$77$150
Sdrive28i Sport Utility 4d$94$184
M35i$97$189
Xdrive28i Sport Utility 4d$100$195
Xdrive28i$114$224

Compare Personalized BMW X1 Insurance Costs

We analyzed BMW X1 insurance rates by model year and trim for personalized cost estimates.

Data filtered by:Results filtered by:
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Model Year:2013
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Trim:Sdrive28i Sport Utility 4d
Sdrive28i Sport Utility 4d$72$139

BMW X1 Insurance Cost by Company

BMW X1 insurance costs vary by provider from $89 to $244 monthly. Minimum coverage ranges from $89 to $172, while full coverage costs $169 to $348. Rates vary due to different risk assessment models.

AAA$112$233
AIG$132$325
Allstate$125$242
Amica$121$248
Chubb$115$229
Farmers$140$246
GEICO$69$150
Kemper$91$188
Nationwide$102$176
Progressive$97$182
State Farm$91$189
The Hartford$96$163
Travelers$80$149
UAIC$133$165

BMW X1 Insurance Cost by State

BMW X1 insurance costs vary dramatically by location, ranging from $41 monthly in Wyoming to $406 in Louisiana.

Alabama$83$158
Alaska$71$151
Arizona$113$212
Arkansas$77$172
California$91$184
Colorado$95$228
Connecticut$127$219
Delaware$128$215
Florida$114$265
Georgia$134$222
Hawaii$52$117
Idaho$52$105
Illinois$88$166
Indiana$61$120
Iowa$57$138
Kansas$70$163
Kentucky$117$199
Louisiana$191$406
Maine$51$107
Maryland$139$236
Massachusetts$98$208
Michigan$154$298
Minnesota$81$172
Mississippi$86$170
Missouri$117$233
Montana$74$178
Nebraska$71$162
Nevada$156$283
New Hampshire$69$123
New Jersey$150$248
New Mexico$78$173
New York$109$196
North Carolina$76$150
North Dakota$62$137
Ohio$71$137
Oklahoma$88$197
Oregon$107$187
Pennsylvania$86$201
Rhode Island$117$208
South Carolina$96$179
South Dakota$56$178
Tennessee$75$151
Texas$119$245
Utah$96$164
Vermont$47$112
Virginia$90$145
Washington$85$159
West Virginia$87$177
Wisconsin$63$140
Wyoming$41$125

BMW X1 Insurance Cost by Driver Profile

Your driving profile, especially age and driving record, heavily influences BMW X1 insurance costs. Young drivers under 25 can expect rates around $359 monthly, while adult drivers between 26-64 typically pay just $142 monthly for the same coverage.

Adult Drivers$96$188
Young Drivers$245$473
Senior Drivers$128$237
Drivers With a Speeding Ticket$120$236
Drivers With an Accident$142$275
Drivers With a DUI$178$342
Drivers With Bad Credit$233$469

Is a BMW X1 Expensive to Insure?

You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW X1 ranks 456th out of 827, making it one of the more expensive cars to insure. Among compact luxury SUVs, the model ranks 9th out of 18.

Land Rover Freelander$74$143
Land Rover LR2$79$152
Bmw X3$85$164
Infiniti EX$85$165
Mercedes GLK-Class$87$169
Audi Q5$89$173
Infiniti QX50$92$179
Cadillac XT4$95$184
Bmw X1$96$188
Lincoln MKC$97$188
Cadillac Optiq$98$192
Mercedes GLB$99$193
Audi SQ5$102$198
Buick Envision$106$206
Cadillac XT5$109$211
Jaguar F-Pace$119$232
Porsche Macan$128$251
Audi Q4 e-tron$212$418

Factors That Affect BMW Car Insurance Costs

Several key factors influence what you'll pay for BMW X1 insurance coverage:

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    Average Repair or Replacement Costs

    BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423. BMW X1 repair costs average $1,523 annually, leading to higher premiums for insurance.

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    Vehicle Trim, Features and Accessories

    The 2025 BMW X1 offers two distinct trim levels with different insurance implications. The base xDrive28i features a 2.0-liter turbocharged four-cylinder engine producing 241 horsepower, accelerating 0 to 60 mph in 5.6 seconds and achieving up to 33 mpg highway.

    Standard features include BMW's curved display with iDrive 9, wireless smartphone connectivity, and comprehensive safety systems. The M35i adds performance-tuned suspension and enhanced styling elements, creating higher theft appeal and potentially increasing insurance premiums.

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    Fuel Type

    The BMW X1 uses premium gasoline across all trim levels, requiring 91+ octane fuel for both the standard and M35i engines. While premium fuel requirements don't directly affect insurance rates, they reflect the vehicle's luxury positioning and sophisticated engine technology. 

    The X1's fuel efficiency ranges from 25/33 mpg (city/highway) for the xDrive28i to 23/31 mpg for the M35i. Unlike some competitors offering hybrid variants, BMW focuses on traditional combustion engines with mild-hybrid technology, maintaining predictable maintenance costs while missing potential insurance discounts sometimes available for hybrid or plug-in electric vehicles.

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    Location

    BMW X1 ownership is concentrated in affluent suburban areas and metropolitan regions. The vehicle appeals particularly to families seeking luxury features in a practical, fuel-efficient package. Primary markets include California's tech corridors, Northeast metropolitan areas and affluent suburban communities nationwide.

    As BMW's entry-level SUV with a starting MSRP around $41,000, the X1 attracts younger luxury buyers transitioning from sedans to SUVs. Urban areas present higher comprehensive coverage costs due to theft and parking risks, while the X1's widespread BMW dealer network helps maintain reasonable repair accessibility compared to more exclusive luxury models.

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    Driver Profile

    BMW X1 buyers represent the more accessible end of the luxury SUV market while maintaining affluent demographics. As BMW's entry-level SUV, the X1 attracts younger buyers transitioning into luxury vehicles.

    • Age (43 to 48 median): X1 buyers tend to be younger than typical BMW owners, representing families and professionals seeking their first luxury SUV, which generally correlates with moderate insurance rates.
    • Gender (60% male, 40% female): BMW SUVs show more balanced gender distribution compared to BMW's sports cars, with the compact X1 particularly appealing to female buyers seeking luxury in a manageable size.
    • Income ($100,000 to $130,000): As the entry point into BMW's SUV lineup, X1 buyers have lower average incomes than other BMW models but still represent affluent households with good credit profiles, potentially reducing premium costs in states permitting credit scoring.

Cheapest BMW X1 Insurance Companies

BMW X1 drivers can find the most affordable full coverage car insurance through Travelers, with average monthly premiums of $149. For drivers seeking basic minimum coverage, GEICO offers the cheapest option at $69 per month.

GEICO$69$150
Travelers$80$149
The Hartford$96$163
Nationwide$102$176
Kemper$91$188

Cheapest BMW X1 Insurance by State

We found that these three insurers offer the most affordable BMW X1 coverage:

  1. Travelers: Offers the cheapest rates in 12 states
  2. GEICO: Provides the most affordable coverage in 10 states
  3. Progressive: Wins for affordability in four states

You can filter below to see which company offers the most affordable auto insurance rates for your BMW X1.

Data filtered by:Results filtered by:
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State:Alabama
AlabamaTravelers$67
AlabamaCountry Financial$71

How to Get the Best Cheap BMW X1 Insurance

Here's how to find the most affordable BMW X1 insurance:

  1. 1

    Choose the right coverage

    Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:

    Tight budget (you own the car):

    • Your state's minimum liability requirements
    • Add comprehensive and collision with a $1,000 deductible

    Want better protection (you own the car):

    • 100/300/100 liability coverage
    • Comprehensive and collision with a $500 deductible

    Financing or leasing:

    • 100/300/100 liability coverage
    • Comprehensive and collision with a $500 deductible
    • Gap insurance (most lenders require this)

    *Coverage Limits Explained (100/300/100):

    • $100,000 bodily injury per person
    • $300,000 bodily injury per accident
    • $100,000 property damage coverage
  2. 2

    Research costs and cheap companies

    Researching average auto insurance costs for your BMW will help you understand how much you're saving currently and with another provider. You can then search for the cheapest car insurance companies.

  3. 3

    Look for more than just low rates

    To get the most balanced car insurance for your BMW X1, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. 

    Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.

  4. 4

    Explore discounts you qualify for

    Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that BMW X1 owners will qualify for:

    • Multi-Car/Multi-Vehicle Discount (12% to 25% savings): X1 SUV buyers' high household income of $124,000 often means multiple vehicles in the household, qualifying for multi-car discounts from virtually all insurers.
    • Bundling/Multi-Policy Discount (5% to 25% savings): With 90% homeownership rates among BMW buyers, X1 owners can bundle auto and home insurance for substantial savings from major carriers.
    • Good Driver/Safe Driver Discount (5% to 30% savings): X1 owners' mature demographics (60% male, 40% female with established careers) typically result in clean driving records that qualify them for good driver discounts.
    • Safety Features/Advanced Safety Discount (5% to 40% savings): The X1's IIHS Top Safety Pick award and excellent front crash-prevention system help you avoid crashes. Lots of insurance companies will knock money off your bill for this.
    • Family/Multi-Car Discount (10% to 20% savings): As a practical compact SUV popular with families, X1 owners often qualify for family-friendly discounts and multi-vehicle policies from insurers like State Farm and GEICO.
  5. 5

    Consider alternative car insurance types

    BMW X1 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.

  6. 6

    Check rates every year

    Comparing car insurance quotes from multiple sources can cut your BMW X1 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.

BMW X1 Insurance Cost: Bottom Line

Insuring a BMW X1 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.

BMW X1 Insurance Rates: FAQ

Here are answers to common questions about insuring a BMW X1.

What is the average cost of car insurance for a BMW X1?

What company has the cheapest car insurance for a BMW X1?

Are BMW X1s expensive to insure?

What factors affect insurance costs for BMW X1s?

How can I lower BMW X1 insurance costs?

How We Determined BMW X1 Insurance Costs

We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW X1 insurance costs. 

Who We Based These Rates On

These BMW X1 prices reflect what a typical driver pays:

  • Age 40, unmarried male
  • Clean record: no tickets or crashes
  • Credit score is in a good range
  • Has never made an insurance claim
  • Puts about 12,000 miles on the odometer yearly
  • Has a valid driver's license with no suspensions on record

Coverage Definitions:

  • Minimum Coverage: State-required liability limits
  • Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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