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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW X1 is $171.85 — or approximately $2,062 yearly. However, some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2013 BMW X1 | $106.91 | $116.89 | $171.34 | $188.13 | $145.82 |
| 2016 BMW X1 | $116.41 | $129.81 | $181.56 | $192.90 | $155.17 |
| 2021 BMW X1 | $114.41 | $146.44 | $220.13 | $206.43 | $171.85 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may be different based on details such as your age, location, job type, annual mileage and more.
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The BMW X1 garners one of the lowest insurance rates around for a luxury SUV, similar to that of insuring a nonluxury model. That means you get to enjoy a luxury ride with lower ownership costs than typical for a BMW.
| Models similar to BMW X1 | Monthly insurance cost | Car value | Safety rating by NHTSA | Theft rate |
|---|---|---|---|---|
| BMW X1 | $171.85 | $36,395 | 5-star | 0.3 |
| Audi Q5 | – | $44,395 | 5-star | 0.54 |
| BMW X3 | $187.73 | $43,995 | 5-star | 0.6 |
| Mercedes-Benz GLC Class | $188.12 | $44,250 | Not rated | Not available |
| Porsche Macan | – | $53,450 | Not available | Not available |
We found 2021 car values from Car and Driver’s car model reviews. We also found safety ratings and theft rates from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model or model year for safety and number of thefts.
The BMW X1 has been around since 2009 and is a compact luxury SUV. The BMW X1 is known for its remarkable performance, large interior and cargo space and fast acceleration. The 2017 model was awarded the Top Safety Pick safety rating by the Insurance Institute for Highway Safety.
You could save money on car insurance for your BMW X1 Series if it comes equipped with these safety features.
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