BMW X1 vs. Mercedes-Benz GLA250 Insurance

• At an average cost of $2,130 per year, a 2022 BMW X1 is generally cheaper to insure than a 2022 Mercedes-Benz GLA250 by about$158 per year.
• Average car insurance cost per month for the Mercedes-Benz GLA250 is 7% more expensive than the BMW X1, at $178 versus $191, a difference of $13.
• Out of 34 models in the 2022 small luxury SUV segment, the BMW X1 ranks fifth and the Mercedes-Benz GLA250 ranks 16^th for overall insurance affordability.

Is a BMW X1 or Mercedes-Benz GLA250 cheaper to insure?

When comparing the BMW X1 and Mercedes-Benz GLA250 for the 2022 model year, the model with the cheapest average insurance rates is the BMW X1. Insurance rates on a BMW X1 cost an average of $2,130 per year, whereas insurance for a Mercedes-Benz GLA250 averages $2,288 per year.

Within each model, however, cost varies greatly depending on the trim level.

For a 2022 BMW X1, insurance rates range from the lowest full-coverage rate of $2,104 per year for the sDrive model up to $2,156 for the xDrive model. For a 2022 Mercedes-Benz GLA250, rates can range from $2,256 per year for the 2WD model up to $2,322 for the most expensive 4Matic AWD model.

When rates are compared for both models, the lowest-cost model and trim is the BMW X1 sDrive at an average rate of $2,104 per year. The most expensive model and trim level is the Mercedes-Benz GLA250 4Matic AWD costing an average of $2,322 per year.

The diagram below illustrates annual average insurance rates for a 2022 BMW X1 and a 2022 Mercedes-Benz GLA250 based on different driver age groups.

The 2022 BMW X1 has two trims available, with the cheapest trim to insure being the sDrive model at an average cost of $2,104 per year, or about $175 per month.

For the two trim levels available for the Mercedes-Benz GLA250, the cheapest 2022 trim level to insure is the 2WD model at a cost of $2,256 per year, or about $188 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the BMW X1 sDrive at a cost of $2,104 per year, and the most expensive model and trim level is the Mercedes-Benz GLA250 4Matic AWD at an average cost of $2,322 per year.

The two tables below illustrate all the available trims for both 2022 models, as well as an average rate for each model.

2021 BMW X1 vs. Mercedes-Benz GLA250

For the 2021 BMW X1 and Mercedes-Benz GLA250 models, the BMW X1 has cheaper car insurance rates by an average of $92 per year for this model year.

The chart below demonstrates the average cost to insure both models using a range of rated driver ages. For a 2021 BMW X1, the average cost of car insurance ranges from $1,906 to $4,328 per year for the driver ages used. A 2021 Mercedes-Benz GLA250 costs from $1,992 to $4,540 to insure per year.

Out of six trims for the 2021 BMW X1, the cheapest rates are on the sDrive AWD trim at a cost of $2,066 per year.

For the two trim levels available for the Mercedes-Benz GLA250, the cheapest 2021 trim to insure is the 2WD model at a cost of $2,214 per year, or $185 per month.

When rates are compared for the eight trim levels of both 2021 models, the lowest-cost model and trim level to insure is the BMW X1 sDrive AWD at an average of $2,066 per year. The highest-cost model and trim is the Mercedes-Benz GLA250 4Matic 4WD at an average of $2,278 per year.

The tables shown below display the average cost to insure each trim level for a 2021 BMW X1 and Mercedes-Benz GLA250, as well as an average rate for each model.

2020 Model Year Insurance Cost Comparison

For the 2020 BMW X1 and Mercedes-Benz GLA250 models, the BMW X1 has cheaper car insurance rates by an average of $86 per year.

The chart shown below illustrates the average cost to insure the two models with different ages of drivers. Insurance cost ranges from $1,854 to $4,206 per year for a 2020 BMW X1, and $1,934 to $4,404 for a 2020 Mercedes-Benz GLA250 for the age groups used in the chart.

Out of six BMW X1 trims, the cheapest 2020 trim level to insure is the sDrive AWD trim at an average cost of $2,008 per year. For the two trims available for the Mercedes-Benz GLA250, the cheapest 2020 trim level to insure is the 2WD model at a cost of $2,150.

When comparing rates by trim level for both models, the overall cheapest vehicle to insure is the BMW X1 sDrive AWD at an average cost of $2,008 per year, and the most expensive model and trim level is the Mercedes-Benz GLA250 4Matic 4WD at an average cost of $2,212 per year.

The rate tables below show trim level insurance rates for each 2020 model, including an overall average rate. The winner for the 2020 car insurance battle is the BMW X1.

2019 Model Year Insurance Cost Comparison

When comparing insurance rates for the 2019 BMW X1 and Mercedes-Benz GLA250 models, the BMW X1 is cheaper to insure by an average of $54 per year for 2019.

The next chart illustrates the average cost to insure the two models with different drivers at the wheel. The average car insurance cost ranges from $1,648 to $3,748 per year for a 2019 BMW X1, and $1,704 to $3,876 for a 2019 Mercedes-Benz GLA250 for the illustrated age groups.

Out of two trims for the 2019 BMW X1, the cheapest average car insurance prices are on the sDrive AWD model at a cost of $1,820 per year, or about $152 per month. For the two trims available for the Mercedes-Benz GLA250, the cheapest 2019 model to insure is the 2WD trim at a cost of $1,920 per year, or about $160 per month.

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the BMW X1 sDrive AWD at an average rate of $1,820 per year, and the overall most expensive vehicle to insure is the Mercedes-Benz GLA250 4Matic 4WD at an average of $1,920 per year.

The next two tables show average car insurance cost by trim level for a 2019 BMW X1 and Mercedes-Benz GLA250, along with an average cost for each model. The 2019 BMW X1 has cheaper average auto insurance rates than the 2019 Mercedes-Benz GLA250.

2018 Model Year Insurance Cost Comparison

When comparing insurance cost for 2018 models, a BMW X1 costs an average of $1,736 per year to insure and a Mercedes-Benz GLA250 costs $1,836, making the BMW X1 cheaper to insure by $100 per year.

The next chart illustrates the average cost to insure both 2018 models with different driver age groups. For a 2018 BMW X1, the average car insurance cost ranges from $1,538 to $3,476 per year for the driver ages used. A 2018 Mercedes-Benz GLA250 costs from $1,632 to $3,696 to insure per year.

The 2018 BMW X1 has two trim levels available, with the cheapest trim level to insure being the 28i sDrive AWD trim at an average cost of $1,736 per year.

For the two trims available for the Mercedes-Benz GLA250, the cheapest 2018 trim level to insure is the 2WD model at a cost of $1,836.

When auto insurance rates for all four trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the BMW X1 28i sDrive AWD at an average of $1,736 per year. The highest-cost model and trim level is the Mercedes-Benz GLA250 4Matic 4WD costing an average of $1,836 per year.

The two tables below show all the available trims for both 2018 models, including the average rate for each model. The 2018 BMW X1 defeats the 2018 Mercedes-Benz GLA250 for the cheapest average car insurance rates.

2017 Model Year Insurance Cost Comparison

For the 2017 BMW X1 and Mercedes-Benz GLA250 models, the BMW X1 has cheaper car insurance cost by an average of $72 per year.

The chart below shows the average cost to insure both 2017 models for drivers from age 20 to 50. For a 2017 BMW X1, average car insurance cost ranges from $1,478 to $3,332 per year for the included driver ages. A 2017 Mercedes-Benz GLA250 costs from $1,546 to $3,498 to insure per year.

For the two trims available for the 2017 BMW X1, the cheapest trim to insure is the 28i sDrive AWD model at an average cost of $1,668 per year. The 2017 Mercedes-Benz GLA250 has two trim levels available, with the cheapest trim level to insure being the 2WD model at an average cost of $1,714 per year.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest vehicle to insure is the BMW X1 28i sDrive AWD at an average cost of $1,668 per year. The most expensive model and trim level is the Mercedes-Benz GLA250 4Matic 4WD at an average of $1,768 per year.

The next tables display both 2017 models and all trim levels available for each one, including an overall average cost for each model. The cheapest of the two models to insure for the 2017 model year is the BMW X1.

2016 Model Year Insurance Cost Comparison

For the 2016 BMW X1 and Mercedes-Benz GLA250 models, the Mercedes-Benz GLA250 has cheaper car insurance rates by an average of $90 per year.

The rate chart below demonstrates the average cost to insure both models with different drivers at the wheel. For a 2016 BMW X1, average insurance cost ranges from $1,446 to $3,270 per year for these driver ages. A 2016 Mercedes-Benz GLA250 costs from $1,370 to $3,068 to insure per year.

For the 1 trim levels available for the 2016 BMW X1, the cheapest trim level to insure is the 28i xDrive AWD trim at an average cost of $1,632 per year. The 2016 Mercedes-Benz GLA250 has two trims available, with the cheapest trim level to insure being the 2WD trim at an average cost of $1,518 per year.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to insure is the Mercedes-Benz GLA250 2WD at an average of $1,518 per year, and the overall most expensive vehicle to insure is the BMW X1 28i xDrive AWD at an average cost of $1,632 per year.

The next two tables display average car insurance cost by trim level for a 2016 BMW X1 and Mercedes-Benz GLA250, including an overall average cost for each model. The winner for the 2016 car insurance rate comparison is the Mercedes-Benz GLA250.

2015 Model Year Insurance Cost Comparison

When comparing insurance cost for 2015 models, the BMW X1 costs an average of $1,694 per year to insure and the Mercedes-Benz GLA250 costs $1,654, making the Mercedes-Benz GLA250 the winner by $40.

The rate chart below visualizes the average cost to insure the two models for four different driver age groups. Insurance cost ranges from $1,512 to $3,416 per year for a 2015 BMW X1, and $1,480 to $3,330 for a 2015 Mercedes-Benz GLA250 for the driver ages used.

Out of three trims for the 2015 BMW X1, the cheapest auto insurance rates are on the 28i sDrive 2WD model at a cost of $1,664 per year, or about $139 per month.

For the two trim levels available for the Mercedes-Benz GLA250, the cheapest 2015 trim to insure is the 2WD model at a cost of $1,634.

When rates for all five trim levels for both vehicles are compared, the cheapest vehicle to insure is the Mercedes-Benz GLA250 2WD at a cost of $1,634 per year, and the highest-cost model and trim level is the BMW X1 35i xDrive AWD costing an average of $1,752 per year.

The next two rate tables illustrate all the available trims for both 2015 models, along with an average cost for each model. The model with the cheapest car insurance rates for 2015 is the Mercedes-Benz GLA250.

Additional BMW X1 and Mercedes-Benz GLA250 Resources

• BMW X1 Insurance Rates
• Mercedes-Benz GLA250 Insurance Rates
• Small Luxury SUV Insurance Rate Comparisons