2021 BMW X1 Car Insurance Calculator

Get instant feedback how life choices impact the cost of car insurance for a 2021 BMW X1. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2021 BMW X1 is $2,156 per year, or about $180 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

$2,156

Cost Per Month

$180

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 2021 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.

$2,156
Average Rate
Your Rate
$2,156

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 2021 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 2021 BMW X1 is $2,156.

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.

2021 BMW X1 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2021 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.

2021 BMW X1 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$372
2Cadillac XT4$1,844-$312
3Volvo XC40$1,888-$268
4Lincoln Corsair$2,080-$76
5Lexus UX 250h$2,098-$58
6Volvo XC60$2,120-$36
7Mercedes-Benz GLB 250$2,140-$16
8BMW X1$2,156--
9Lexus UX 200$2,158$2
10Lexus NX 300$2,166$10
11Mercedes-Benz GLC300$2,172$16
12Land Rover Defender$2,234$78
13Mercedes-Benz GLA250$2,248$92
14Land Rover Evoque$2,254$98
2021 Small Luxury SUV Average$2,262$106
15BMW X2$2,292$136
16Audi Q3$2,346$190
17Audi Q5$2,362$206
18BMW X3$2,422$266
19Lexus NX 300H$2,434$278
20Mercedes-Benz GLA45 AMG$2,462$306
21Alfa Romeo Stelvio$2,486$330
22BMW X4$2,520$364
23Jaguar F-Pace$2,552$396
24Jaguar I-Pace$2,632$476
25Porsche Macan$2,688$532

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.

2021 X1 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW X1 Insurance Rates by Trim Level
2021 BMW X1 Trim Level Annual Premium Cost Per Month
sDrive AWD$2,066$172
sDrive Sport AWD$2,128$177
xDrive AWD$2,128$177
sDrive Premium AWD$2,194$183
xDrive Premium AWD$2,204$184
xDrive Sport AWD$2,208$184

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 2021 BMW X1 for different driver ages.

2021 BMW X1 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,614$635
17$7,390$616
18$6,651$554
19$6,048$504
20$4,643$387
21$4,429$369
22$3,973$331
23$3,256$271
24$3,081$257
25$2,502$209
30$2,300$192
35$2,210$184
40$2,156$180
45$2,012$168
50$1,906$159
55$1,778$148
60$1,784$149
65$1,902$159
70$2,044$170
75$2,398$200
80$2,948$246

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.