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BMW X1 insurance rates

Average BMW X1 insurance cost: $172. At this price point, look for more perks to protect your ride.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW X1 is $171.85 — or approximately $2,062 yearly. However, some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2013 BMW X1$106.91$116.89$171.34$188.13$145.82
2016 BMW X1$116.41$129.81$181.56$192.90$155.17
2021 BMW X1$114.41$146.44$220.13$206.43$171.85

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, location, job type, annual mileage and more.

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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Compare the X1’s insurance factors to similar cars

The BMW X1 garners one of the lowest insurance rates around for a luxury SUV, similar to that of insuring a nonluxury model. That means you get to enjoy a luxury ride with lower ownership costs than typical for a BMW.

Models similar to BMW X1Monthly insurance costCar valueSafety rating by NHTSATheft rate
BMW X1$171.85$36,3955-star0.3
Audi Q5$44,3955-star0.54
BMW X3$187.73$43,9955-star0.6
Mercedes-Benz GLC Class$188.12$44,250Not ratedNot available
Porsche Macan$53,450Not availableNot available

We found 2021 car values from Car and Driver’s car model reviews. We also found safety ratings and theft rates from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model or model year for safety and number of thefts.

About the BMW X1

The BMW X1 has been around since 2009 and is a compact luxury SUV. The BMW X1 is known for its remarkable performance, large interior and cargo space and fast acceleration. The 2017 model was awarded the Top Safety Pick safety rating by the Insurance Institute for Highway Safety.

BMW X1 Series money-saving safety features

You could save money on car insurance for your BMW X1 Series if it comes equipped with these safety features.

  • Airbags
  • Antilock brakes
  • Antitheft device
  • Electronic stability control
  • Seatbelt pretensioners
  • Lane-departure warning systems
  • Adaptive cruise control
  • Daytime running lights

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