BMW X1 Car Insurance Cost for 2022

How much does BMW X1 car insurance cost? We break down rates from the sDrive up to the xDrive Sport to see how prices compare to other small luxury SUVs.

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  • BMW X1 car insurance costs $1,520 per year ($127 per month) on average for a full coverage policy.
  • The X1 sDrive trim level is the cheapest to insure at around $1,502 per year. The most expensive trim is the xDrive at $1,540 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 11.3% less than the average rate for similar luxury SUV models.

How much does BMW X1 insurance cost?

BMW X1 car insurance averages around $1,520 a year for full coverage, or about $127 a month. With the average small luxury SUV costing $1,714 a year to insure, the BMW X1 costs around $194 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.

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Chart Data Details: Average rates are for a 2022 model year BMW X1 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW X1 trim levels.Data last updated on September 27, 2022
BMW X1 Insurance Cost Summary
BMW X1 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,432$286
Safe Driver Age 20$3,006$251
At-fault Accidents Age 40$2,132$178
Low Deductibles Age 40$1,996$166
Safe Driver Age 30$1,606$134
Safe Driver Age 40$1,520$127
Safe Driver Age 50$1,384$115
Safe Driver Age 60$1,358$113
High Deductibles Age 40$1,274$106
Discount Rate Age 40$1,264$105

Which X1 model has the cheapest insurance rates?

The cheapest BMW X1 to insure is the $35,400 base sDrive trim at $1,502 per year, or about $125 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.

2022 BMW X1 Insurance Cost by Trim Level
BMW X1 Trim Level Annual Policy 6-month Policy Per Month
sDrive$1,502$751$125
xDrive$1,540$770$128

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Table Data Details: Average rates are for a 2022 BMW X1, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
BMW X1 Insurance Cost by Trim Level

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 $194 less per year (or 11.3%) than the average rate for comparable luxury models.

The X1 costs an average of $1,520 per year to insure for full coverage and the average for all comparable small luxury SUVs is $1,714 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 $34 less per year than the Lexus NX 350, $98 less than the Mercedes-Benz GLC300, $348 less than the BMW X3, and $212 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.

Insurance Cost Comparison: BMW X1 vs Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,308-$212
2Cadillac XT4$1,340-$180
3Volvo XC40$1,466-$54
4Lexus NX 250$1,516-$4
5BMW X1$1,520--
6Lexus NX 350h$1,528$8
7Lexus UX 250h$1,530$10
8Lexus NX 350$1,554$34
9Lexus UX 200$1,558$38
10Lexus NX 450h$1,598$78
11Mercedes-Benz GLB 250$1,602$82
12Land Rover Evoque$1,612$92
13Lincoln Corsair$1,616$96
14Mercedes-Benz GLC300$1,618$98
15Mercedes-Benz GLA250$1,630$110
16Volvo C40$1,632$112
17Volvo XC60$1,640$120
18BMW X2$1,690$170
19Audi Q3$1,712$192
20Mercedes-Benz GLA35 AMG$1,714$194
21Infiniti QX55$1,726$206
22Genesis GV70$1,746$226
23Mercedes-Benz GLA45 AMG$1,766$246
24Audi Q5$1,768$248
25Audi Q4$1,790$270
26Land Rover Defender$1,798$278
27Land Rover Range Rover Velar$1,806$286
28Alfa Romeo Stelvio$1,844$324
29BMW X3$1,868$348
30Porsche Macan$1,932$412
31Jaguar I-Pace$1,974$454
32Jaguar F-Pace$2,026$506
33BMW X4$2,082$562
34Aston Martin DBX$2,772$1,252

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Insurance Cost Comparison: BMW X1 vs Small Luxury SUVs

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 $328 annually. Even insuring a 2018 model could save $230 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 $1,068 for a 60-year-old driver rated on a 2013 BMW X1 to a high of $3,006 for a 20-year-old with a 2022 model.

BMW X1 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,006$1,606$1,520$1,384$1,358
2021$3,022$1,612$1,524$1,388$1,364
2020$2,964$1,578$1,494$1,360$1,336
2019$2,676$1,430$1,348$1,228$1,206
2018$2,560$1,364$1,290$1,174$1,154
2017$2,490$1,324$1,254$1,142$1,122
2016$2,500$1,324$1,254$1,144$1,124
2015$2,652$1,386$1,326$1,212$1,190
2014$2,566$1,338$1,284$1,174$1,152
2013$2,368$1,238$1,192$1,088$1,068

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
BMW X1 Insurance Cost by Model Year

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 $2,320 or more per year.
  • As you age, insurance rates get cheaper. The difference in 2022 X1 insurance cost between a 60-year-old driver ($1,358 per year) and a 30-year-old driver ($1,606 per year) is $248, 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 $46 and $159 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 $3,006 per year, while a 20-year-old woman will pay $2,234, a difference of $772 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,384 and rates for female drivers are $1,354, a difference of only $30.
  • The cost to insure teenage drivers is high. Average rates for full coverage X1 insurance costs $5,342 per year for a 16-year-old driver, $5,012 per year for a 17-year-old driver, and $4,688 per year for a 18-year-old driver.
  • Avoiding accidents saves money. Too frequent at-fault accidents can raise rates, as much as $696 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 $239 per year when compared to a slightly lower credit rating between 670-739. Conversely, poor credit could cost as much as $277 more per year.