- BMW X1 car insurance costs $1,506 per year ($126 per month) on average for a full coverage policy.
- The X1 sDrive trim level is the cheapest to insure at around $1,488 per year. The most expensive trim is the xDrive at $1,526 per year.
- Out of 34 vehicles in the 2022 small luxury SUV segment, the X1 ranks #5 for insurance affordability.
- Insurance for the X1 costs 11.5% less than the average rate for similar luxury SUV models.
How much does BMW X1 insurance cost?
BMW X1 car insurance averages around $1,506 a year for full coverage, or about $126 a month. With the average small luxury SUV costing $1,701 a year to insure, the BMW X1 costs around $195 more each year.
The chart below breaks down average insurance cost on a 2022 BMW X1 using a variation of different driver ages and risk scenarios.
Which X1 model has the cheapest insurance rates?
The cheapest BMW X1 to insure is the $35,400 base sDrive trim at $1,488 per year, or about $124 per month. The most expensive model to insure is the $37,400 xDrive model, costing an average of $38 more per year.
The rate table below breaks down average car insurance rates, plus a monthly budget estimate, for each BMW X1 trim level for the 2022 model year.
| BMW X1 Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| sDrive | $1,488 | $744 | $124 |
| xDrive | $1,526 | $763 | $127 |
BMW X1 car insurance cost: Where does it rank?
BMW X1 insurance cost ranks #5 out of 34 vehicles in the 2022 small luxury SUV class. The X1 costs $195 less per year (or 11.5%) than the average rate for comparable luxury models.
The X1 costs an average of $1,506 per year to insure for full coverage and the average for all comparable small luxury SUVs is $1,701 per year.
When X1 insurance rates are compared to the most popular models in the small luxury SUV segment, insurance for a BMW X1 costs $36 less per year than the Lexus NX 350, $98 less than the Mercedes-Benz GLC300, $348 less than the BMW X3, and $208 more than the Acura RDX.
The table below shows how well BMW X1 car insurance rates fare against the rest of the small luxury SUV market.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,298 | -$208 |
| 2 | Cadillac XT4 | $1,330 | -$176 |
| 3 | Volvo XC40 | $1,456 | -$50 |
| 4 | Lexus NX 250 | $1,504 | -$2 |
| 5 | BMW X1 | $1,506 | -- |
| 6 | Lexus NX 350h | $1,514 | $8 |
| 7 | Lexus UX 250h | $1,516 | $10 |
| 8 | Lexus NX 350 | $1,542 | $36 |
| 9 | Lexus UX 200 | $1,548 | $42 |
| 10 | Lexus NX 450h | $1,584 | $78 |
| 11 | Mercedes-Benz GLB 250 | $1,590 | $84 |
| 12 | Land Rover Evoque | $1,600 | $94 |
| 13 | Lincoln Corsair | $1,602 | $96 |
| 14 | Mercedes-Benz GLC300 | $1,604 | $98 |
| 15 | Volvo C40 | $1,618 | $112 |
| 16 | Mercedes-Benz GLA250 | $1,620 | $114 |
| 17 | Volvo XC60 | $1,626 | $120 |
| 18 | BMW X2 | $1,678 | $172 |
| 19 | Audi Q3 | $1,700 | $194 |
| 20 | Mercedes-Benz GLA35 AMG | $1,704 | $198 |
| 21 | Infiniti QX55 | $1,714 | $208 |
| 22 | Genesis GV70 | $1,734 | $228 |
| 23 | Mercedes-Benz GLA45 AMG | $1,754 | $248 |
| 24 | Audi Q5 | $1,756 | $250 |
| 25 | Audi Q4 | $1,776 | $270 |
| 26 | Land Rover Defender | $1,786 | $280 |
| 27 | Land Rover Range Rover Velar | $1,792 | $286 |
| 28 | Alfa Romeo Stelvio | $1,828 | $322 |
| 29 | BMW X3 | $1,854 | $348 |
| 30 | Porsche Macan | $1,918 | $412 |
| 31 | Jaguar I-Pace | $1,958 | $452 |
| 32 | Jaguar F-Pace | $2,012 | $506 |
| 33 | BMW X4 | $2,066 | $560 |
| 34 | Aston Martin DBX | $2,750 | $1,244 |
How much does a used BMW X1 cost to insure?
Choosing to drive a 2013 BMW X1 instead of a new 2022 model year may save up to $324 annually. Even insuring a 2018 model could save $224 on a yearly basis.
The following table illustrates the range of BMW X1 car insurance prices for different driver age groups and model years. Insurance costs range from the best rate of $1,058 for a 60-year-old driver rated on a 2013 BMW X1 to a high of $2,984 for a 20-year-old with a 2022 model.
| Model Year | Driver Age 20 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| 2022 | $2,984 | $1,594 | $1,506 | $1,372 | $1,348 |
| 2021 | $2,998 | $1,598 | $1,510 | $1,378 | $1,352 |
| 2020 | $2,944 | $1,566 | $1,482 | $1,348 | $1,324 |
| 2019 | $2,654 | $1,416 | $1,338 | $1,220 | $1,198 |
| 2018 | $2,540 | $1,354 | $1,282 | $1,168 | $1,146 |
| 2017 | $2,470 | $1,312 | $1,244 | $1,134 | $1,114 |
| 2016 | $2,480 | $1,314 | $1,246 | $1,136 | $1,116 |
| 2015 | $2,630 | $1,374 | $1,316 | $1,202 | $1,180 |
| 2014 | $2,546 | $1,328 | $1,274 | $1,164 | $1,142 |
| 2013 | $2,350 | $1,228 | $1,182 | $1,078 | $1,058 |
Additional Rates and Insights
Key additional insights when insuring a BMW X1, along with possible discounts are as follows:
- X1 insurance is expensive for high-risk drivers. For a 20-year-old driver, having too many accidents or violations can cause a rate increase of $2,298 or more per year.
- As you age, insurance rates get cheaper. The difference in 2022 X1 insurance cost between a 60-year-old driver ($1,348 per year) and a 30-year-old driver ($1,594 per year) is $246, or a savings of 15.4%.
- Get better rates due to your job. Just about all auto insurance providers offer policy discounts for occupations like lawyers, nurses, doctors, engineers, architects, and other occupations. By qualifying for this profession discount, you may save between $45 and $158 on your car insurance bill, depending on the age of the driver.
- Young male drivers pay the highest rates. For a 2022 BMW X1, a 20-year-old male driver pays an average price of $2,984 per year, while a 20-year-old woman will pay $2,214, a difference of $770 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,372 and rates for female drivers are $1,346, a difference of only $26.
- The cost to insure teenage drivers is high. Average rates for full coverage X1 insurance costs $5,302 per year for a 16-year-old driver, $4,972 per year for a 17-year-old driver, and $4,652 per year for a 18-year-old driver.
- Avoiding accidents saves money. Too frequent at-fault accidents can raise rates, as much as $690 per year for a 30-year-old driver and even $472 per year for a 50-year-old driver.
- Excellent credit equals excellent rates. Drivers who maintain a credit score over 800 could save as much as $236 per year when compared to a slightly lower credit rating between 670-739. Conversely, poor credit could cost as much as $274 more per year.
