2022 BMW X1 Car Insurance Calculator

View in real-time how different driver and vehicle factors affect the cost of insurance for a 2022 BMW X1. Fine-tune factors like policy discounts, X1 trim level, driving record, and coverage amounts. Know immediately if rates increase or decrease and why.

The average estimated car insurance premium for a 2022 BMW X1 is $2,130 per year, or about $178 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

$2,130

Cost Per Month

$178

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 2022 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.

$2,130
Average Rate
Your Rate
$2,130

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 2022 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 2022 BMW X1 is $2,130.

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.

2022 BMW X1 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2022 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.

2022 BMW X1 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,832-$298
2Cadillac XT4$1,878-$252
3Volvo XC40$2,058-$72
4Lexus NX 250$2,126-$4
5BMW X1$2,130--
6Mercedes-Benz GLB 250$2,142$12
7Lexus UX 250h$2,146$16
8Lexus NX 350h$2,160$30
9Lexus NX 350$2,180$50
10Lexus UX 200$2,184$54
11Lexus NX 450h$2,238$108
12Volvo C40$2,252$122
13Land Rover Evoque$2,260$130
14Lincoln Corsair$2,264$134
15Mercedes-Benz GLC300$2,266$136
16Mercedes-Benz GLA250$2,288$158
17Audi Q3$2,292$162
18Volvo XC60$2,300$170
19BMW X2$2,372$242
2022 Small Luxury SUV Average$2,397$267
20Mercedes-Benz GLA35 AMG$2,408$278
21Infiniti QX55$2,422$292
22Genesis GV70$2,450$320
23Audi Q5$2,480$350
24Mercedes-Benz GLA45 AMG$2,494$364
25Audi Q4$2,508$378
26Land Rover Defender$2,522$392
27Land Rover Range Rover Velar$2,532$402
28Alfa Romeo Stelvio$2,584$454
29BMW X3$2,620$490
30Porsche Macan$2,712$582
31Jaguar I-Pace$2,768$638
32Jaguar F-Pace$2,840$710
33BMW X4$2,920$790
34Aston Martin DBX$3,884$1,754

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.

2022 X1 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 BMW X1 Insurance Rates by Trim Level
2022 BMW X1 Trim Level Annual Premium Cost Per Month
sDrive$2,104$175
xDrive$2,156$180

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 2022 BMW X1 for different driver ages.

2022 BMW X1 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,515$626
17$7,289$607
18$6,554$546
19$5,962$497
20$4,578$382
21$4,370$364
22$3,919$327
23$3,218$268
24$3,043$254
25$2,472$206
30$2,272$189
35$2,188$182
40$2,130$178
45$1,990$166
50$1,886$157
55$1,760$147
60$1,766$147
65$1,878$157
70$2,022$169
75$2,372$198
80$2,914$243

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.