+120 more)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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The average cost of BMW X1 insurance is $175 per month.
USAA offers the cheapest BMW X1 car insurance, averaging $87 per month.
The X1 is a luxury subcompact SUV with pricey parts and repair costs. But its accident-reducing standard safety features help keep rates close to the national average.
The average cost of BMW X1 car insurance depends heavily on the policy type you choose. Liability-only coverage pays for injuries and property damage you cause to others. Full-coverage policies add collision and comprehensive coverage. Collision pays for damage to your X1 after a crash, while comprehensive covers non-collision losses, like fire damage, theft, and weather damage.
The table below shows how BMW X1 insurance rates compare to the overall vehicle average for all cars, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| BMW X1 | $122 | $228 | $175 |
| All vehicles | $116 | $216 | $166 |
BMW X1 drivers pay about 5% more than average for full-coverage and liability insurance policies.
Next, we’ll look at the cheapest X1 insurers and how factors like age, driving record, location, and insurance company affect X1 insurance rates.
Find your best rate in just a few minutes.
Insurance rates can vary significantly by company, even for the same car. Insurers weigh factors differently, from your driving history to your ZIP code and coverage limits.
Here’s a list of the cheapest car insurance companies for a BMW X1, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $104 |
| Allstate | $115 |
| GEICO | $128 |
| American Family | $133 |
| Progressive | $155 |
| Nationwide | $160 |
| Travelers | $169 |
| Farmers | $203 |
| Liberty Mutual | $256 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA exclusively serves the military community and offers some of the lowest rates on a BMW X1 for qualifying members. You can save even more with discounts for being accident-free, completing a defensive driving course, and being a loyal USAA member. The insurer has limited customer service hours but makes up for it with a highly rated mobile app.
Offers many other insurance products for bundling
Ranked No. 1 for auto insurance satisfaction
Gap insurance not available
Offers fewer discounts than competitors
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm’s vast network of local agents is available to provide personalized customer service for those who need it. It also has a highly rated mobile app for tech-savvy X1 owners. If you’re in the market for a new or used X1, State Farm Bank offers gap insurance on its auto loans for no extra cost.
Ranks above average for claims satisfaction
Rideshare coverage available
Accident forgiveness not available
Discounts vary by state
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate remains a solid choice for X1 owners because it offers a wide range of coverage options. It also offers several ways to save, including bundling your renters or home insurance with auto for multi-policy savings as well as deductible rewards and safe driving bonuses for staying accident-free.
Many coverage options available
Offers extended warranty coverage
Poor Trustpilot rating
Below-average claims rating
The age of your X1 can affect your insurance premium. Newer vehicles typically cost more to repair or replace, and older models may lack the latest safety features that help lower rates. For X1 drivers, that often means higher car insurance rates for newer model years and costs that gradually decline as the vehicle ages.
The following table shows how BMW X1 insurance rates vary by model year, according to our data.
X1 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $208 |
| 2025 | $212 |
| 2024 | $212 |
| 2023 | $210 |
| 2022 | $211 |
| 2021 | $202 |
| 2020 | $194 |
| 2019 | $190 |
| 2018 | $183 |
| 2017 | $179 |
| 2016 | $175 |
| 2015 | $172 |
| 2014 | $168 |
| 2013 | $160 |
| 2012 | $155 |
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $123 |
| Allstate | $137 |
| GEICO | $152 |
| American Family | $158 |
| Progressive | $184 |
| Nationwide | $190 |
| Travelers | $201 |
| Farmers | $241 |
| Liberty Mutual | $303 |
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $125 |
| Allstate | $140 |
| GEICO | $155 |
| American Family | $161 |
| Progressive | $187 |
| Nationwide | $194 |
| Travelers | $204 |
| Farmers | $245 |
| Liberty Mutual | $309 |
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $125 |
| Allstate | $140 |
| GEICO | $155 |
| American Family | $161 |
| Progressive | $187 |
| Nationwide | $194 |
| Travelers | $204 |
| Farmers | $245 |
| Liberty Mutual | $309 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $125 |
| Allstate | $139 |
| GEICO | $154 |
| American Family | $160 |
| Progressive | $186 |
| Nationwide | $192 |
| Travelers | $203 |
| Farmers | $244 |
| Liberty Mutual | $307 |
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $125 |
| Allstate | $139 |
| GEICO | $155 |
| American Family | $160 |
| Progressive | $187 |
| Nationwide | $193 |
| Travelers | $204 |
| Farmers | $245 |
| Liberty Mutual | $308 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $120 |
| Allstate | $133 |
| GEICO | $148 |
| American Family | $153 |
| Progressive | $179 |
| Nationwide | $185 |
| Travelers | $195 |
| Farmers | $234 |
| Liberty Mutual | $295 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $115 |
| Allstate | $128 |
| GEICO | $142 |
| American Family | $147 |
| Progressive | $171 |
| Nationwide | $178 |
| Travelers | $188 |
| Farmers | $225 |
| Liberty Mutual | $284 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $112 |
| Allstate | $125 |
| GEICO | $139 |
| American Family | $144 |
| Progressive | $168 |
| Nationwide | $174 |
| Travelers | $183 |
| Farmers | $220 |
| Liberty Mutual | $277 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $108 |
| Allstate | $120 |
| GEICO | $134 |
| American Family | $139 |
| Progressive | $161 |
| Nationwide | $167 |
| Travelers | $176 |
| Farmers | $212 |
| Liberty Mutual | $267 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $106 |
| Allstate | $118 |
| GEICO | $132 |
| American Family | $136 |
| Progressive | $159 |
| Nationwide | $165 |
| Travelers | $173 |
| Farmers | $208 |
| Liberty Mutual | $262 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $104 |
| Allstate | $115 |
| GEICO | $128 |
| American Family | $133 |
| Progressive | $155 |
| Nationwide | $160 |
| Travelers | $169 |
| Farmers | $203 |
| Liberty Mutual | $256 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $102 |
| Allstate | $113 |
| GEICO | $126 |
| American Family | $131 |
| Progressive | $152 |
| Nationwide | $158 |
| Travelers | $166 |
| Farmers | $199 |
| Liberty Mutual | $251 |
BMW X1 auto insurance rates can vary widely depending on where you live. Factors like local insurance rules, repair costs, traffic, weather, and accident and theft rates all influence what insurers charge.[1]
The map below shows average monthly premiums by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $159 |
| Alaska | $156 |
| Arizona | $193 |
| Arkansas | $198 |
| California | $248 |
| Colorado | $242 |
| Connecticut | $317 |
| Delaware | $289 |
| Florida | $251 |
| Georgia | $304 |
| Hawaii | $159 |
| Idaho | $124 |
| Illinois | $182 |
| Indiana | $157 |
| Iowa | $124 |
| Kansas | $178 |
| Kentucky | $227 |
| Louisiana | $239 |
| Maine | $178 |
| Maryland | $345 |
| Massachusetts | $176 |
| Michigan | $259 |
| Minnesota | $200 |
| Mississippi | $167 |
| Missouri | $212 |
| Montana | $173 |
| Nebraska | $170 |
| Nevada | $293 |
| New Hampshire | $104 |
| New Jersey | $305 |
| New Mexico | $168 |
| New York | $226 |
| North Carolina | $107 |
| North Dakota | $142 |
| Ohio | $145 |
| Oklahoma | $206 |
| Oregon | $172 |
| Pennsylvania | $190 |
| Rhode Island | $266 |
| South Carolina | $284 |
| South Dakota | $167 |
| Tennessee | $162 |
| Texas | $261 |
| Utah | $176 |
| Vermont | $178 |
| Virginia | $217 |
| Washington | $201 |
| Washington D.C. | $377 |
| West Virginia | $181 |
| Wisconsin | $139 |
| Wyoming | $123 |
State | Average Monthly Premium |
|---|---|
| California | $248 |
Your age plays a big role in your BMW X1 car insurance costs because insurers link experience to risk. Teens pay more because they lack experience and are riskier behind the wheel.[2] Seniors, on the other hand, are usually safer drivers with decades of experience, so they pay less.[3]
Check out the table below for average X1 premiums by age group. Teens pay around 128% more for auto insurance than seniors, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $337 |
| Adults | $166 |
| Seniors | $148 |
Teens and drivers younger than 25 generally pay the most to insure a BMW X1 because they face a higher risk of getting into accidents. In fact, motor vehicle crashes are one of the leading causes of preventable death for young drivers.[4] The more likely you are to get into an accident, the more you’ll pay for car insurance.
But rates vary by insurer, so comparing insurance companies can help you find the best price. Here’s a look at the cheapest insurers for X1 drivers younger than 25, based on our data.
BMW X1 car insurance costs are usually the cheapest for seniors because they tend to have fewer accidents than younger drivers. You may get even lower rates by shopping around and comparing insurance quotes from multiple companies. Check for insurers offering senior-specific discounts for more ways to save.
We break down the cheapest car insurance companies for senior X1 drivers in the chart below, based on Compare.com data.
Insurers look at your driving history for accidents, tickets, and driving under the influence (DUI) convictions because they signal a future claim risk. Though increases vary by severity and insurer, expect to pay higher rates for at least three years after causing an accident, getting a speeding ticket, or being convicted of a DUI.[5]
Let’s take a look at how premiums change depending on your driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $175 |
| Speeding ticket | $234 |
| At-fault accident | $250 |
| DUI | $281 |
Average premiums jump by roughly 33% after a speeding ticket and about 60% after a DUI conviction, so it’s important to drive safely.
Insurance companies charge more if you have a speeding ticket on your record because it raises your crash risk. Speeding lengthens the distance needed to stop, shortens reaction time, and limits how well barriers like guardrails and crash cushions protect you in an accident.[6]
Some insurers may put less weight on tickets than others, so comparing multiple quotes can help limit higher premiums. The following chart shows which companies offer the lowest rates for BMW X1 drivers with a recent speeding ticket, based on our data.
Your rates will likely increase at your next renewal after an accident, because past behavior predicts future claims. How accidents affect rates varies by company, so getting free quotes to compare premiums after an at-fault accident could help you avoid a large rate increase.[7]
For a list of the cheapest insurance companies for BMW X1 drivers after an at-fault accident, check out the chart below, which is based on Compare.com data.
Drivers with a DUI face the highest BMW X1 insurance rates because alcohol-impaired driving greatly increases crash risk, even after one drink. In 2023, about 16% of fatal crashes were caused by drivers who tested positive for alcohol but still had a BAC below the legal limit of 0.08.[8] Insurers may not renew your insurance policy after a DUI.
That said, some insurers are more tolerant of high-risk drivers than others. Below is a chart showing the companies with the lowest rates for X1 drivers with a DUI, based on Compare.com data.
Premiums for the BMW X1 depend on more than just your driving profile; the car itself also affects costs. Key factors insurers consider include:
Vehicle classification: The BMW X1 is a luxury SUV with costly parts and often requires specialty repair shops. Insurers expect higher claim payouts, so you’ll pay more to insure an X1.
Trim level: The base X1 xDrive28i starts at $43,975, but the M Sport package has an MSRP of $53,075. The higher cost, more powerful engine, and upgraded features will raise your insurance premiums.
Safety features: The X1 comes standard with safety features like blind-spot alert, airbags, and lane-departure warnings, which help reduce accident risk and lower your insurance costs.
Check quotes from 120+ top insurance companies.
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Here are a few tips to help you get cheaper car insurance for your BMW X1:
Shop around for car insurance quotes. Compare quotes from multiple insurers to find the best rate for your X1.
Raise your deductible. Choosing a higher deductible can lower your monthly premium — just be sure you can cover the amount if you file a claim.
Check for discounts. Most insurers offer discounts for things like a clean driving record, good credit, and safety features on your X1.
Evaluate your coverage needs. It’s a good idea to have high enough coverage limits to protect your assets. Consider optional extras like gap insurance, which helps cover the difference if you total your X1 and owe more than it’s worth.
If you’re looking to buy a new car or for cheaper rates for your X1, these answers to common questions may help.
Yes. The BMW X1 is more expensive to insure than the national average. For context, it costs $175 per month to insure an X1, and the national average for all vehicles is $166.
The cheapest insurance company for a BMW X1 is USAA. Its average monthly rate is $87, according to Compare.com data. For context, the overall X1 average is $175 per month.
Car insurance for a 2026 BMW X1 costs an average of $208 per month, according to Compare.com data.
The cheapest BMW to insure is the X3. Liability coverage averages $115 per month, and full-coverage car insurance runs about $227, according to Compare.com data.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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