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BMW 1 Series car insurance

How much would it cost to insure a BMW 1 Series, and how can I save on my premiums?

If you’re looking for a small car that combines luxury with power, the models in the BMW 1 Series may just be for you. The 1 Series is a range of cars produced by BMW that have graced British roads since 2004, in a variety of smaller hatchback, coupé and convertible models that you’re probably already familiar with.

Originally established to compete with other smaller but undoubtedly familiar cars – in particular the Volkswagen Golf or the models of the Mercedes M-Class – the BMW 1 Series is both compact, elegant, and boasts an effective but luxurious driving experience.

Read on to see how much you’d pay to insure your car, and find out how you can save!

Compare BMW 1 Series Car Insurance Quotes

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Average insurance rates for the BMW 1 Series

To give you an indication about how much it would cost to insure your BMW 1 Series, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your BMW 3 Series with comprehensive cover for monthly payments of £127.27 or an annual sum of £980.

Companies that provide coverage for an BMW 1 Series

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Young driver insurance
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy (T&Cs apply)
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Personal accident cover up to £5000.
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
Cover up to £10,000 per accidentand £2,500 per person.
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance

Compare up to 4 providers

Which factors might affect my insurance rate?

Every driver is different, and so every insurance quote will also be slightly different depending on your circumstances. We’ve collected some prominent examples of factors that can vary your rate of insurance, given the research we undertook:

  • Engine capacity. You can expect to pay more for models with larger engine capacities. We identified that this can be a significant expenditure: for the BMW 116D, the difference in pricing was an extra £120.91 every year in monthly instalments if you opted for the 2.0L model over the 1.5L. It is rare, however, for price differences to be so major.
  • Driver circumstances. The situation of the driver has a knock-on effect when it comes to insuring your vehicle. These variables can include geographical location, age, and marital status. Lower premiums are offered for those drivers the insurance company deems more stable drivers, at less risk of accidents.
  • Credit history and no claims. The state of your credit history and your no-claims discount also play a role when it comes to insuring your car. Insurance companies will not look favourably on applicants with a poor credit rating or a track record of driving claims and convictions, and the policy they offer will be significantly higher.
  • Vehicle age. How old is the vehicle you’re looking to buy? In the BMW 1 Series, available since 2004, there may be a price difference offered between the oldest and newest models, in line with increased efficiency, safety, and mechanical developments.

How can I save on my premiums?

At finder, we’re here to help. We’ve had a look through the best ways to save you money on your BMW 1 Series car insurance, have a look below:

  • Insurance companies look favourably on extra features designed to add greater security or safety. These include trackers, alarms, and other safety modifications beyond the factory standard – the presence of such modifications will likely bring your premiums right down!
  • However, be wary when it comes to modifying your car in ways that don’t add to the vehicle’s safety. The presence of racing wheels or spoilers may be associated with those deemed to be higher-risk drivers, and hence your insurance premiums will likely increase.
  • If you are financially secure enough to do so, paying your car insurance in a single annual payment works out as cheaper overall than if you pay monthly. Sometimes, this can be significantly so. The average annual sum for the BMW 118 Sport Hatchback, for instance, works out as £547.31 less than the monthly total.
  • Try to keep your no-claims discount spotless for as long as possible! As you might expect, premiums are lower the longer your no-claims period.

Facts about the BMW 1 Series

  • In the United Kingdom, you can expect prices for a model in the BMW 1 Series to fetch anywhere north of £22,000.
  • Compared to other similar makes and models, the 1 Series is the only one to offer rear-wheel drive.
  • The BMW 1 Series is an extremely popular series. In 2008, it accounted for nearly 20% of all BMW sales.

How safe is the BMW 1 Series?

When put forward for the Euro NCAP safety analysis, renowned as the gold standard of car testing, the 1 Series was awarded the maximum five stars for safety. Five stars probably puts you at ease, and it should. But what does this rating actually mean for you as a driver, and the passengers you’re inevitably going to take with you?

Don’t just take it from us, or from the crash test experts. There is a consensus that the 1 Series maintains both BMW’s reputation for an excellent ride with impeccable safety credentials. Aside from the standard features you might expect for a car of this type, including multiple airbags and anti-lock brakes, you can also choose to invest in a number of optional add-ons that reinforce safety. These include automatic braking at low speeds, and technology that warns the driver if you begin to drift between lanes.

Compare BMW 1 Series Car Insurance Quotes

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*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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