- BMW X1 car insurance costs $1,788 per year ($149 per month) on average for a full coverage policy.
- The X1 xDrive28i trim level is the cheapest to insure at around $1,754 per year. The most expensive trim is the xDrive28i Premium at $1,826 per year.
- Out of 37 vehicles in the 2023 small luxury SUV segment, the X1 ranks 12th for insurance affordability.
- Insurance for the X1 costs 6.5% less than the average rate for similar luxury SUV models.
How much does BMW X1 insurance cost?
BMW X1 car insurance averages around $1,788 a year for full coverage, or about $149 a month. With the average small luxury SUV costing $1,909 a year to insure, the BMW X1 costs around $121 less each year.
The chart below breaks down average insurance cost on a 2023 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 $39,100 base xDrive28i trim at $1,754 per year, or about $146 per month. The most expensive model to insure is the $43,300 xDrive28i Premium model, costing an average of $72 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 2023 model year.
| BMW X1 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| xDrive28i | $1,754 | $877 | $146 |
| xDrive28i Premium | $1,826 | $913 | $152 |
BMW X1 car insurance cost: Where does it rank?
BMW X1 insurance cost ranks 12th out of 37 vehicles in the 2023 small luxury SUV class. The X1 costs $121 less per year (or 6.5%) than the average rate for comparable luxury models.
The X1 costs an average of $1,788 per year to insure for full coverage and the average for all comparable small luxury SUVs is $1,909 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 $18 more per year than the Lexus NX 350, $10 less than the Mercedes-Benz GLC300, $288 less than the BMW X3, and $316 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 | $1,472 | -$316 |
| 2 | Cadillac XT4 | $1,592 | -$196 |
| 3 | Volvo XC40 | $1,622 | -$166 |
| 4 | Lexus UX 250h | $1,650 | -$138 |
| 5 | Mercedes-Benz GLA250 | $1,712 | -$76 |
| 6 | Mercedes-Benz GLB 250 | $1,718 | -$70 |
| 7 | Lexus NX 250 | $1,740 | -$48 |
| 8 | Lexus NX 350h | $1,760 | -$28 |
| 9 | Lexus NX 350 | $1,770 | -$18 |
| 10 | Lincoln Corsair | $1,772 | -$16 |
| 11 | Lexus NX 450h | $1,776 | -$12 |
| 12 | BMW X1 | $1,788 | -- |
| 13 | Alfa Romeo Tonale | $1,790 | $2 |
| 14 | Mercedes-Benz GLC300 | $1,798 | $10 |
| 15 | Lexus RZ 450e | $1,802 | $14 |
| 16 | Volvo XC60 | $1,806 | $18 |
| 17 | Audi Q3 | $1,820 | $32 |
| 18 | Land Rover Evoque | $1,828 | $40 |
| 19 | Volvo C40 | $1,846 | $58 |
| 20 | Infiniti QX55 | $1,908 | $120 |
| 21 | Mercedes-Benz GLA35 AMG | $1,914 | $126 |
| 22 | Genesis GV70 | $1,944 | $156 |
| 23 | Mercedes-Benz EQB 300 | $1,954 | $166 |
| 24 | Genesis GV60 | $1,958 | $170 |
| 25 | Mercedes-Benz GLA45 AMG | $1,968 | $180 |
| 26 | Alfa Romeo Stelvio | $1,978 | $190 |
| 27 | Audi Q5 | $1,990 | $202 |
| 28 | Land Rover Range Rover Velar | $1,996 | $208 |
| 29 | Mercedes-Benz EQB 350 | $2,000 | $212 |
| 30 | BMW X4 | $2,038 | $250 |
| 31 | Land Rover Defender | $2,044 | $256 |
| 32 | Jaguar F-Pace | $2,054 | $266 |
| 33 | Audi Q4 | $2,066 | $278 |
| 34 | Porsche Macan | $2,070 | $282 |
| 35 | BMW X3 | $2,076 | $288 |
| 36 | Jaguar I-Pace | $2,194 | $406 |
| 37 | Aston Martin DBX | $3,424 | $1,636 |
How much does a used BMW X1 cost to insure?
Choosing to drive a 2013 BMW X1 instead of a new 2023 model year may save up to $506 annually. Even insuring a 2018 model could save $396 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 $1,146 for a 60-year-old driver rated on a 2013 BMW X1 to a high of $3,550 for a 20-year-old with a 2023 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 BMW X1 | $3,550 | $1,788 | $1,598 |
| 2022 BMW X1 | $3,264 | $1,648 | $1,474 |
| 2021 BMW X1 | $3,302 | $1,662 | $1,486 |
| 2020 BMW X1 | $3,258 | $1,638 | $1,468 |
| 2019 BMW X1 | $2,918 | $1,468 | $1,316 |
| 2018 BMW X1 | $2,770 | $1,392 | $1,248 |
| 2017 BMW X1 | $2,648 | $1,336 | $1,198 |
| 2016 BMW X1 | $2,678 | $1,342 | $1,206 |
| 2015 BMW X1 | $2,798 | $1,404 | $1,256 |
| 2014 BMW X1 | $2,736 | $1,370 | $1,226 |
| 2013 BMW X1 | $2,544 | $1,282 | $1,146 |
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 $2,752 or more per year.
- As you age, insurance rates get cheaper. The difference in 2023 X1 insurance cost between a 60-year-old driver ($1,598 per year) and a 30-year-old driver ($1,884 per year) is $286, or a savings of 16.4%.
- 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 $54 and $178 on your car insurance bill, depending on the age of the driver.
- Young male drivers pay the highest rates. For a 2023 BMW X1, a 20-year-old male driver pays an average price of $3,550 per year, while a 20-year-old woman will pay $2,636, a difference of $914 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,630 and rates for female drivers are $1,594, a difference of only $36.
- The cost to insure teenage drivers is high. Average rates for full coverage X1 insurance costs $6,394 per year for a 16-year-old driver, $5,974 per year for a 17-year-old driver, and $5,580 per year for an 18-year-old driver.
- Avoiding accidents saves money. Too frequent at-fault accidents can raise rates, as much as $826 per year for a 30-year-old driver and even $572 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 $281 per year when compared to a slightly lower credit rating between 670-739. Conversely, poor credit could cost as much as $325 more per year.
