2019 BMW X1 Car Insurance Calculator

Explore and understand how decisions you make impact the cost of insurance for a 2019 BMW X1. Change policy coverages, liability limits, deductibles, and driver's age plus many other factors. Instantly see the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2019 BMW X1 is $1,866 per year, or about $156 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

$1,866

Cost Per Month

$156

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 2019 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.

$1,866
Average Rate
Your Rate
$1,866

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 2019 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 2019 BMW X1 is $1,866.

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.

2019 BMW X1 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2019 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.

2019 BMW X1 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,786-$80
2Volvo XC60$1,820-$46
3Lexus NX 300$1,844-$22
4Volvo XC40$1,846-$20
5Lincoln MKC$1,852-$14
6Lexus UX 200$1,864-$2
7BMW X1$1,866--
8Cadillac XT4$1,912$46
9Mercedes-Benz GLA250$1,920$54
10Mercedes-Benz GLC300$1,922$56
11Infiniti QX30$1,928$62
12BMW X2$1,984$118
13Lexus UX 250h$2,012$146
14Lexus NX 300H$2,022$156
2019 Small Luxury SUV Average$2,059$193
15Land Rover Evoque$2,112$246
16Alfa Romeo Stelvio$2,128$262
17BMW X3$2,138$272
18Audi Q5$2,170$304
19Mercedes-Benz GLC350E$2,244$378
20BMW X4$2,286$420
21Mercedes-Benz GLA45 AMG$2,312$446
22Jaguar F-Pace$2,394$528
23Porsche Macan$2,520$654
24Jaguar I-Pace$2,538$672

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.

2019 X1 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW X1 Insurance Rates by Trim Level
2019 BMW X1 Trim Level Annual Premium Cost Per Month
sDrive AWD$1,820$152
xDrive AWD$1,910$159

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 2019 BMW X1 for different driver ages.

2019 BMW X1 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,575$548
17$6,394$533
18$5,777$481
19$5,241$437
20$4,022$335
21$3,838$320
22$3,444$287
23$2,811$234
24$2,664$222
25$2,166$181
30$1,994$166
35$1,914$160
40$1,866$156
45$1,742$145
50$1,648$137
55$1,540$128
60$1,546$129
65$1,646$137
70$1,764$147
75$2,062$172
80$2,542$212

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.