BMW 1 Series insurance group & cost

Compare car insurance costs for your BMW 1 Series by age and location.

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Insurers use a group rating system to help determine your premium – all cars get assigned a group, from 1 (cheapest) to 50 (most expensive). BMW 1 Series models fall anywhere from group 12 to group 41, meaning the cost of insurance for your BMW 1 Series can vary hugely. For example, a 30-year-old driver in an average postcode could pay around £791 for cover on a BMW 116d SE 5d model, or around £924 for a BMW M135i xDrive Sport Automatic 5d.

You can find the specific insurance group of your BMW 1 Series, and how much you’re likely to pay, by using the table below.

BMW 1 Series (2019 models) insurance cost by driver’s age

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
116d SE 5d 16 £1,364 £791 £693 £560 Get Quote
116d SE Dual-clutch auto 5d 16 £1,364 £791 £693 £560 Get Quote
118i SE 5d 20 £1,407 £816 £715 £577 Get Quote
118i SE Dual-clutch auto 5d 20 £1,407 £816 £715 £577 Get Quote
118d SE 5d 21 £1,417 £822 £720 £581 Get Quote
118d SE Sport Automatic 5d 21 £1,417 £822 £720 £581 Get Quote
116d M Sport 5d 16 £1,364 £791 £693 £560 Get Quote
116d M Sport Dual-clutch auto 5d 16 £1,364 £791 £693 £560 Get Quote
118i M Sport (Plus Pack and Tech Pack I) 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport (Plus Pack and Tech Pack I) Dual-clutch auto 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport (Plus Pack) 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport (Plus Pack) Dual-clutch auto 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport (Tech Pack I) 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport (Tech Pack I) Dual-clutch auto 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport 5d 20 £1,407 £816 £715 £577 Get Quote
118i M Sport Dual-clutch auto 5d 20 £1,407 £816 £715 £577 Get Quote
118d M Sport (Plus Pack and Tech Pack I) 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport (Plus Pack) 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport (Plus Pack) Sport Automatic 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport (Tech Pack I) 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport (Tech Pack I) Sport Automatic 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport 5d 22 £1,431 £830 £727 £587 Get Quote
118d M Sport Sport Automatic 5d 22 £1,431 £830 £727 £587 Get Quote
120d xDrive M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 26 £1,521 £882 £773 £624 Get Quote
120d xDrive M Sport (Plus Pack) Sport Automatic 5d 26 £1,521 £882 £773 £624 Get Quote
120d xDrive M Sport (Tech Pack I) Sport Automatic 5d 26 £1,521 £882 £773 £624 Get Quote
120d xDrive M Sport Sport Automatic 5d 26 £1,521 £882 £773 £624 Get Quote
116d Sport 5d 16 £1,364 £791 £693 £560 Get Quote
116d Sport Dual-clutch auto 5d 16 £1,364 £791 £693 £560 Get Quote
118i Sport 5d 20 £1,407 £816 £715 £577 Get Quote
118i Sport Dual-clutch auto 5d 20 £1,407 £816 £715 £577 Get Quote
118d Sport 5d 21 £1,417 £822 £720 £581 Get Quote
118d Sport Sport Automatic 5d 21 £1,417 £822 £720 £581 Get Quote
120d xDrive Sport Sport Automatic 5d 26 £1,521 £882 £773 £624 Get Quote
M135i xDrive M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 36 £1,593 £924 £810 £653 Get Quote
M135i xDrive M Sport (Plus Pack) Sport Automatic 5d 36 £1,593 £924 £810 £653 Get Quote
M135i xDrive M Sport (Tech Pack I) Sport Automatic 5d 36 £1,593 £924 £810 £653 Get Quote
M135i xDrive Sport Automatic 5d 36 £1,593 £924 £810 £653 Get Quote

BMW 1 Series insurance cost by location

While the table above is a guide to the average cost of insurance for various BMW Series 1 models based on the driver’s age and car’s insurance group, there are many other factors that influence your premium, such as your occupation and marital status. Where you live also has a major impact on your rate.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a 118d M Sport 5d.

  • Expensive: £974 (London SE1)
  • Average: £830 (Newcastle NE1)
  • Cheap: £636 (Galashiels TD1)

Factors affecting BMW 1 Series insurance cost

Lots of factors influence the cost of car insurance, from the age, make and model of your car, to your age, driving history and location. Here are some that have the biggest impact on your premium:

  • Engine type and capacity. You can expect to pay more for insurance on cars with larger engine capacities, even if they’re the same model. A 30-year-old may pay around £816 for the 1.5-litre petrol BMW 118i SE 5d, but could pay around £822 for the 2.0-litre diesel 118d Sport 5d.
  • Driver location. If insurers perceive you to be responsible and less at risk of an accident, you’ll enjoy a lower premium, and where you live plays a big role in this. For example, a 30-year-old in central London will pay roughly £972 for insurance for a BMW 118d Sport 5d, whereas a 30-year-old in Newcastle may pay around £822 for the same model.
  • Driver age. The age of the driver is the other factor that has the biggest impact on the cost of cover, with younger drivers likely to pay more than older drivers. A 20-year-old driver in London may have to pay around £1,691 for insurance for a BMW 118i M Sport 5d model, but a 40-year-old driver from the same location would only pay around £886.
  • Learn about other factors that affect your insurance policy costs

Find the best BMW 1 Series insurance

Most insurance providers will offer policies to cover your BMW 1 Series, and you can compare a range of insurance quotes from leading insurers by clicking on the button below. BMW also offer annual car insurance policies, as well as complimentary seven-day insurance.

Bottom line

The car make and model you choose will significantly impact your insurance cost. In addition to this, your premium could vary depending on your age, driving history, location and the insurance provider you choose.

Frequently asked questions

Picture: BMW

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*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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