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
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: Oct 2019 (source: Quotezone)
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)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: Oct 2019 (source: Quotezone)
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.
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.
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
In the United Kingdom, the price of a new 2019 BMW 1 Series starts from £24,439.
Until 2019, the BMW 1 Series was the only model in its class to offer rear-wheel drive, but is now also available in front-wheel drive.
The BMW 1 Series is the best-selling BMW model in the UK, and accounted for nearly 20% of all BMW sales in 2008.
The BMW 1 Series was awarded the maximum five stars under the Euro NCAP safety analysis. BMW 1 Series models also come with multiple airbags and anti-lock brakes, and optional safety add-ons including automatic braking and lane-drift notification technology.
You can buy a BMW 1 Series online or by visiting your local BMW retailer. There are also a range of used BMW 1 Series available to buy through various motor resellers and websites.
This depends on the specific model of 1 Series you have and the insurance group it falls under. BMW 1 Series models can range between insurance groups 12 and 41, with those in insurance group 12 being relatively cheap to insure, and those in insurance group 41 being a lot more expensive.
Tom Stelzer is a writer for Finder specialising in personal finance, including personal loans and car loans, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.
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