2015 BMW X1 Car Insurance Calculator

Learn in real-time how different factors impact the insurance cost for a 2015 BMW X1. Customize factors such as driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2015 BMW X1 is $1,694 per year, or about $141 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,694

Cost Per Month

$141

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW X1 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2015 BMW X1.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,694
Average Rate
Your Rate
$1,694

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2015 BMW X1 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2015 BMW X1 is $1,694.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2015 BMW X1 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2015 BMW X1 against all other models in the small luxury SUV segment. The BMW X1 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW X1, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X1.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2015 BMW X1 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,262-$432
2Volvo XC60$1,382-$312
3Lincoln MKC$1,484-$210
4Audi Q3$1,584-$110
5Mercedes-Benz GLA250$1,654-$40
6BMW X1$1,694--
2015 Small Luxury SUV Average$1,715$21
7BMW X4$1,720$26
8Lexus NX 300H$1,730$36
9BMW X3$1,766$72
10Mercedes-Benz GLA45 AMG$1,772$78
11Mercedes-Benz GLK250$1,782$88
12Lexus NX 200T$1,792$98
13Infiniti QX70$1,796$102
14Audi Q5$1,872$178
15Mercedes-Benz ML250$1,894$200
16Land Rover Evoque$1,912$218
17Porsche Macan$2,060$366

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2015 X1 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 BMW X1.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2015 BMW X1 Insurance Rates by Trim Level
2015 BMW X1 Trim Level Annual Premium Cost Per Month
28i sDrive 2WD$1,664$139
28i xDrive AWD$1,664$139
35i xDrive AWD$1,752$146

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2015 BMW X1 for different driver ages.

2015 BMW X1 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,210$518
17$5,961$497
18$5,237$436
19$4,807$401
20$3,653$304
21$3,480$290
22$3,100$258
23$2,577$215
24$2,419$202
25$1,960$163
30$1,792$149
35$1,742$145
40$1,694$141
45$1,590$133
50$1,512$126
55$1,412$118
60$1,414$118
65$1,506$126
70$1,648$137
75$1,970$164
80$2,434$203

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW X1 trim levels.