BMW X1 insurance group and cost

The BMW X1 is a high-end SUV produced by the German manufacturers since 2009. When you witness the power and style offered by this vehicle, you might not be surprised to hear it can cost quite a bit to insure. In this guide, you’ll discover the key facts about insuring a BMW X1.

BMW X1 insurance groups and cost by driver’s age

BMW X1 models range from insurance groups 22 to 34, so you can expect your car insurance premiums to vary quite a bit. Factors such as your car’s engine size, safety and security features and ease of repair all play a part in determining which insurance group the specific model falls under.

For example, a 30-year-old driver in an average postcode could pay around £777 for cover on a BMW X1 sDrive18i SE (07/19-) 5d (insurance group 22), or around £1,270 for a BMW X1 xDrive25d Sport auto 5d which falls in insurance group 34. In this example, the model that is 12 insurance groups higher is £72 more expensive to insure.

You can find the insurance group, and likely premium cost, of your BMW X1 model in the table below.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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Average BMW X1 insurance cost

To give you a rough idea of how much it might cost you to insure your BMW X1, we ran several quotes to find an average figure. Based on our results, on average, you could insure your BMW X1 with a comprehensive policy for the monthly price of £96.12, or an annual sum of £1,078.22.

• How we got this rate

  To generate these quotes we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1.2 litre engine
  • Car has 5 seats
  • 5 doors
  • Factory fitted alarm system
  • The car is not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a work car park during the day
  • The car is parked on a driveway at night
  • Owner is a 30-year-old single teacher from London
  • Owner is a homeowner
  • Five years no claims discount
  • No driving or other convictions in the last 5 years

BMW X1 insurance cost by location

The table above shows the average cost of BMW X1 insurance based on insurance groups and driver age. However, there are numerous other factors that can affect the cost of your car insurance, one of the biggest being your location.

To show how much your location can impact your premium, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a BMW X1 2.0 TSI Turbo Silver 3d.

• Expensive: £1,617 (London SE1)
• Average: £692 (Newcastle NE1)
• Cheap: £693 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my BMW X1 insurance rate?

Along with the insurance group, there are other key factors that impact your insurance premium costs:

• Engine type and capacity. In most circumstances, the bigger the engine, the more you will pay for your car insurance. An average 30-year-old may pay £679 for the BMW X1 xDrive 18d xLine 5d, but could pay around £1,270 for the BMW X1 xDrive 25d M Sport 5d Step Auto.
• Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £1,338 for insurance on a BMW X1 sDrive18i Sport 5d, while the same 30-year-old in Newcastle may only pay £815.
• Driver age. Younger drivers are statistically more likely to be involved in car accidents and pose more of a risk to a provider than an older driver. The average 20-year-old driver in London may pay £25,585 for the BMW X1 xDrive 25e xLine auto 5d, while the average 40-year-old Londoner will only pay £2,310. In this example, the younger driver has to pay £866 more for their car insurance.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• Your car’s safety rating score
• The model of your car
• The age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your car usage
• No claims discount

BMW X1 facts and trivia

• The BMW X1 is the smallest SUV in its range, below the X1, X2, X3, X4, X5, X6 & X7.
• The X1 didn’t offer front-wheel drive until its second generation.

Bottom line

This is a luxury vehicle which is a joy to drive. You’ll have to pay for this luxury, including the above-average insurance costs. Thankfully, the tips in this guide will help you to lower your insurance premiums.

Frequently asked questions

• How much does a BMW X1 cost?

  In the United Kingdom, the on-the-road price of a BMW X1 start from £29,460.

• What is the top speed of a BMW X1?

  Depending on the model, BMW X1s can reach top speeds of 146 mph.

• Is the BMW X1 safe?

  The BMW X1 was awarded 5 out of 5 stars under the Euro NCAP safety analysis. BMW X1 models score above average across the board with 90% for adult occupant safety and 87% for child occupant safety.

• How much car tax do I have to pay for the BMW X1?

  The UK standard car tax rate sits at £145 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a BMW X1?

  You can buy a BMW X1 online or by visiting your local BMW retailer. You can also buy BMW X1s through various motor resellers and websites.

• Is the BMW X1 expensive to insure?

  This depends on the specific model of BMW X1 you have and the insurance group it falls under. BMW X1 models can range between insurance groups 22 and 34, so the cost of your car insurance will generally fall in the middle of the scale.

Compare insurance for other BMW models

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Danny has written 347 Finder guides across topics including:

• Car, home and business insurance
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