BMW X1 Car Insurance: How Much Should You Expect to Pay?

BMW X1 drivers can expect to pay about $154 monthly for their auto insurance, if you look at average rates across the U.S. Our newest guide will provide the information you need to know about how much car insurance companies might charge you to insure your BMW X1.

Quick Facts

  • It costs more to insure a BMW X1 than the average SUV.
  • Full coverage for a X1 typically comes in at about $168 per month, while liability only insurance prices tend to be around $71 a month.
  • The cheapest auto insurance company for a X1 is Aspire.

X1 Overview

The BMW X1 is a great budget-friendly car for drivers of all types, with 2021 models starting at $35,400. There's a X1 for every driver, with a choice of two different trim options.

Based on thousands of car insurance quotes from Compare.com, we've determined that, on average, BMW X1 insurance rates run about $154 per month. Where does that fall compared to the rest of the market?

Current Base Price$35,400
Body Style(s)SUV
Trim LevelsSDRIVE28I, XDRIVE28I
Average Insurance Premium$154/mo.
Cheapest Insurance CompanyAspire

How Much is Car Insurance for a BMW X1?

Vehicle Liability Only Full Coverage
BMW X1$71$168
All BMW Models$84$199
All SUVs$80$151
Average Insurance Premium$81$169

Looking at the table above, you'll find that compared to other vehicles on the road, BMW X1 insurance premiums are around average. On average, X1 owners will pay about $71 monthly for liability insurance, and around $168 a month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other BMW models, the X1 is less expensive, with prices more than 10% lower than the rest of the manufacturer's vehicle offerings. However, compared to other vehicles of a similar body style, X1 coverage runs close to average, with liability insurance premiums $9 cheaper than other SUVs and full coverage insurance rates coming in $17 higher.

The same applies when comparing the BMW X1 to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a BMW X1?

Insurance Company Average Monthly Premium
StateAuto$27
MetLife$33
Shelter Mutual$33
Hugo$35
MetroMile$41

If you're searching for an auto insurance policy for a BMW X1, you're likely interested in which carrier offers the cheapest rates. Even though there will never be one company that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $27 a month from StateAuto. The runner up for lowest rates is MetLife, with auto insurance policies starting as little as $33 monthly.

Completing the top 5 carriers are Shelter Mutual, Hugo, and MetroMile. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your BMW X1.

Insurance carriers use a wide array of different variables and complex formulas to calculate premiums. There's only one way to make sure you find the most affordable possible rates, and that's by checking quotes from multiple car insurance companies.

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What Factors Affect Car Insurance Rates for a BMW X1?

As we mentioned above, there are a whole range of things that insurance carriers use to decide how much they charge for car insurance -- and each carrier weighs certain variables more than others, so there's not a singular company that's the lowest for everyone.

Below are just a few of the factors insurance companies look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$67
2-3 Years$75
4-5 Years$74
6-7 Years$67
8-10 Years$57
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The BMW X1 has been around for a while, so vehicle age will likely play a big role in what you end up paying for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and X1s begin to depreciate, insurance costs will gradually get lower.

As you can see in the table above, the BMW X1 follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are X1s that are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium

How old you are plays a role in how much insurance carriers will charge for a policy. In the table above, you'll see that younger drivers have more expensive prices than drivers who have more experience. In this case, drivers 18 to 24 pay $44 more than those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for X1 drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$69
Female$74

Did you know women normally pay less for auto insurance than men? This is because men are more likely to get into collisions and get speeding tickets, which raises the chances of an insurance claim. Surprisingly, when it comes to X1 drivers specifically, men pay about 7% less than women each month for car insurance.

Where You Live

State Average Monthly Premium
California$52
Florida$124
Georgia$108
Illinois$31
New York$148
North Carolina$41
Ohio$44
Pennsylvania$59
Texas$57
Virginia$60

It may seem like common sense that variables like what vehicle you drive and how old you are play a role in your insurance premiums, but you may not realize that where you live has just as much of an impact. Because car insurance is regulated on the state level rather than nationally, rates can differ quite a bit depending on what state you live in.

For example, the average BMW X1 driver in New York pays around $148 a month for liability coverage, while on average, the same Californian owner will pay less than half of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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BMW X1 Car Insurance Discounts

Regardless of your home state, your age, or your car, using as many discounts as possible when it comes to your auto insurance is always in your best interest when shopping around for a new policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

  • Multi-vehicle discounts for having more than one car on your auto policy
  • Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than by monthly payments
  • Defensive driving discounts for taking a defensive driving class through a certified school or institution
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

There are lots of other discounts out there for saving money on your car insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you may not be able to control every factor auto insurance companies look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$93
Multiple Accidents$72
1 Ticket$84
Multiple Tickets$103

You've no doubt seen ads from car insurance carriers offering hefty savings for responsible drivers. It makes sense that your insurance prices will go higher if you get tickets for speeding or get into an accident. But how much will they cost you?

According to the table above, accidents will usually cost X1 drivers more than tickets, but both will result in higher than average rates. BMW X1 drivers with a single ticket will pay an average of $84 per month, while drivers with one accident on their record pay about $93 a month (up $22 from the $71/mo. overall average). Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$55
2,501-5,000 Miles$62
5,001-7,500 Miles$65
7,501-10,000 Miles$76
10,000+ Miles$67

How much you drive each year plays a big role when it comes to your auto insurance rates. Those who drive less have fewer opportunities to get into an accident, so they'll usually end up spending less on insurance. In the above table, you can see that BMW X1 owners who drive 10,000 miles or more pay $67 for auto insurance, while those who drive fewer than 2,500 miles per year pay an average of $55 monthly.

If you work from home or drive less often than the average driver, it may be worth considering usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do BMW X1s Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a BMW X1 is on your shortlist, it might be helpful to do your research. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the BMW X1 stacks up:

BMW X1 National Average
Liability Insurance$65$81
Full Coverage Insurance$148$169
Base MSRP$35,400$46,296
Average Annual Mileage10,72911,617

With an MSRP that's less than the going rate for a new vehicle, the BMW X1 is a great value when it comes to price. The X1 has an MSRP of $35,400, which is quite a bit lower than the national average vehicle MSRP of $46,296.

In the same fashion, insurance premiums run below average when compared to other vehicles on the market. Liability insurance for a BMW X1 is about $16 per month less than average, while full coverage is over $20 cheaper a month.

When it comes to usage, BMW X1 owners drive about the same amount annually as the national average, with 11,617 miles every year for all vehicles compared to the X1's 10,729 a year.

BMW X1 Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much the average driver pays to insure a BMW X1. If you're in the market for a new car, truck, or SUV and the X1 is on your wishlist, knowing what you can expect to pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2021 BMW X1 Car Insurance

   
Liability Only Avg. Premium$65
Full Coverage Avg. Premium$148
Base MSRP$35,400
Cheapest Insurance CompanyHugo - $18/mo.
Available TrimsSDRIVE28I, XDRIVE28I

2021 BMW X1 drivers can expect to pay an average of $65 per month for liability or $148 for full coverage.

Hugo offered the most affordable policy we found, with rates as low as $18 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2020 BMW X1 Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$164
Base MSRP$35,200
Cheapest Insurance CompanySafeAuto - $32/mo.
Available TrimsSDRIVE28I, XDRIVE28I

You can expect full coverage for a 2020 X1 to run around $164 a month, while liability only coverage will average about $72 per month.

Looking for the cheapest policy? SafeAuto offered liability only coverage for sometimes as low as $32 a month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2019 BMW X1 Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$172
Base MSRP$34,950
Cheapest Insurance CompanySafeAuto - $35/mo.
Available TrimsSDRIVE28I, XDRIVE28I

It costs around $70 monthly for liability or $172 for a full coverage policy for the 2019 BMW X1.

We found SafeAuto offered the lowest policy, with rates as low as just $35 per month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2018 BMW X1 Car Insurance

   
Liability Only Avg. Premium$69
Full Coverage Avg. Premium$176
Base MSRP$33,900
Cheapest Insurance CompanyShelter Mutual - $28/mo.
Available TrimsSDRIVE28I, XDRIVE28I

The average cost to insure a 2018 X1 with liability only coverage is $69 a month, while full coverage runs about $176 per month.

With rates as cheap as $28 monthly, Shelter Mutual offered the most affordable policy we found for the 2018 BMW X1.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2017 BMW X1 Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$184
Base MSRP$33,750
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsSDRIVE28I, XDRIVE28I

On average, drivers who own a 2017 BMW X1 can expect to pay $86 to $184 a month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2017 BMW X1 insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as little as just $18 per month.

Interested in what your insurance price could look like? Get multiple personalized quotes for free by just entering your ZIP code below.

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2016 BMW X1 Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$152
Base MSRP$34,800
Cheapest Insurance CompanyClearcover - $20/mo.
Available TrimsXDRIVE28I

The average cost to insure a 2016 X1 with liability only coverage is $73 monthly, while full coverage runs around $152 a month.

With premiums sometimes as little as $20 per month, Clearcover offered the lowest policy we found.

If you want to find the best prices for auto insurance for a 2016 BMW X1, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2015 BMW X1 Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$171
Base MSRP$31,200
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsSDRIVE28I, XDRIVE28I, XDRIVE35I

It costs about $67 monthly for liability or $171 for a full coverage policy for the 2015 BMW X1.

Liberty Mutual has rates sometimes as cheap as $17 per month for the 2015 BMW X1.

Want to find the best rates? Get several free customized quotes by just entering your ZIP code below.

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2014 BMW X1 Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$158
Base MSRP$30,900
Cheapest Insurance CompanyMetLife - $26/mo.
Available TrimsSDRIVE28I, XDRIVE28I, XDRIVE35I

2014 X1 drivers can expect to pay an average of $71 monthly for liability or $158 for full coverage.

With premiums as cheap as just $26 a month, MetLife offered the cheapest policy we found for the 2014 BMW X1.

While these are good estimates of what the average driver might pay to insure a 2014 BMW X1, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 BMW X1 Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$174
Base MSRP$30,800
Cheapest Insurance CompanyDirectGeneral - $24/mo.
Available TrimsSDRIVE28I, XDRIVE28I, XDRIVE35I

You can expect full coverage for a 2013 BMW X1 to run around $174 monthly, while liability only coverage will average about $61 a month.

DirectGeneral has prices sometimes as little as $24 per month for the 2013 BMW X1.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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BMW X1 Insurance FAQs

Is a BMW X1 expensive to insure?

The BMW X1 is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $71 monthly, while full coverage will cost you around $168.

How can I get the best price on car insurance for my BMW X1?

The only way to confirm you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from an array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my BMW X1 affect my insurance rates?

You may have heard the old adage that it costs more to insure a red car, but that's just a myth. There are lots of things auto insurance companies use when they decide how much to charge you, but your vehicle's color is not factored into that decision.

Do I need to have insurance before I buy a BMW X1?

Before you can legally drive your new (or new to you) BMW X1 off the dealership lot, you'll need to have valid insurance for it. As part of the buying process, some dealerships might offer you an insurance policy, but the easiest thing to do is to let your car insurance company know before you buy.

What car insurance discounts can I get for my BMW X1?

There are a ton of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the X1 you drive, but if your X1 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about which discounts they offer, since they change quite a bit from carrier to carrier.

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