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 Year
Progressive
Geico
State Farm
Farmers
Average
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:
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 X1
Monthly insurance cost
Car value
Safety rating by NHTSA
Theft rate
BMW X1
$171.85
$36,395
5-star
0.3
Audi Q5
–
$44,395
5-star
0.54
BMW X3
$187.73
$43,995
5-star
0.6
Mercedes-Benz GLC Class
$188.12
$44,250
Not rated
Not available
Porsche Macan
–
$53,450
Not available
Not 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.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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