2020 BMW X1 Car Insurance Calculator

Explore and understand how decisions you make affect car insurance rates for a 2020 BMW X1. Tailor settings like homeowner status, credit history, and policy coverages to find out how each affects rates. Know immediately why rates change and by how much.

The average estimated car insurance premium for a 2020 BMW X1 is $2,094 per year, or about $175 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

$2,094

Cost Per Month

$175

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 2020 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.

$2,094
Average Rate
Your Rate
$2,094

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 2020 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 2020 BMW X1 is $2,094.

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.

2020 BMW X1 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2020 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.

2020 BMW X1 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,730-$364
2Cadillac XT4$1,788-$306
3Volvo XC40$1,828-$266
4Lincoln Corsair$2,018-$76
5Lexus UX 250h$2,034-$60
6Volvo XC60$2,054-$40
7Mercedes-Benz GLB 250$2,082-$12
8Lexus UX 200$2,086-$8
9BMW X1$2,094--
10Lexus NX 300$2,098$4
11Mercedes-Benz GLC300$2,104$10
12Mercedes-Benz GLA250$2,180$86
13Land Rover Evoque$2,182$88
2020 Small Luxury SUV Average$2,197$103
14BMW X2$2,222$128
15Audi Q3$2,264$170
16Audi Q5$2,288$194
17Mercedes-Benz GLC350E$2,316$222
18BMW X3$2,346$252
19Lexus NX 300H$2,360$266
20Mercedes-Benz GLA45 AMG$2,388$294
21Alfa Romeo Stelvio$2,406$312
22BMW X4$2,444$350
23Jaguar F-Pace$2,474$380
24Jaguar I-Pace$2,544$450
25Porsche Macan$2,604$510

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.

2020 X1 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW X1 Insurance Rates by Trim Level
2020 BMW X1 Trim Level Annual Premium Cost Per Month
sDrive AWD$2,008$167
sDrive Sport AWD$2,070$173
xDrive AWD$2,070$173
sDrive Premium AWD$2,132$178
xDrive Premium AWD$2,140$178
xDrive Sport AWD$2,144$179

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 2020 BMW X1 for different driver ages.

2020 BMW X1 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,413$618
17$7,189$599
18$6,463$539
19$5,882$490
20$4,511$376
21$4,306$359
22$3,861$322
23$3,164$264
24$2,995$250
25$2,432$203
30$2,234$186
35$2,150$179
40$2,094$175
45$1,958$163
50$1,854$155
55$1,730$144
60$1,738$145
65$1,850$154
70$1,988$166
75$2,336$195
80$2,874$240

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.