BMW X1 insurance group and cost

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The BMW X1 is a high-end SUV produced by the German manufacturers since 2009. When you witness the power and style offered by this vehicle, you might not be surprised to hear it can cost quite a bit to insure. In this guide, you’ll discover the key facts about insuring a BMW X1.

BMW X1 insurance groups and cost by driver’s age

BMW X1 models range from insurance groups 22 to 34, so you can expect your car insurance premiums to vary quite a bit. Factors such as your car’s engine size, safety and security features and ease of repair all play a part in determining which insurance group the specific model falls under.

For example, a 30-year-old driver in an average postcode could pay around £830 for cover on a BMW X1 sDrive18i SE (07/19-) 5d (insurance group 22), or around £902 for a BMW X1 xDrive25d Sport auto 5d which falls in insurance group 34. In this example, the model that is 12 insurance groups higher is £72 more expensive to insure.

You can find the insurance group, and likely premium cost, of your BMW X1 model in the table below.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
sDrive18i SE (07/19-) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i SE Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18d SE 5d 23 £1,449 £841 £736 £594 Get Quote
sDrive18d SE Sport Automatic 5d 23 £1,449 £841 £736 £594 Get Quote
sDrive18i SE 5d 23 £1,449 £841 £736 £594 Get Quote
sDrive18i SE auto 5d 23 £1,449 £841 £736 £594 Get Quote
xDrive18d SE 5d 23 £1,449 £841 £736 £594 Get Quote
xDrive18d SE Sport Automatic 5d 23 £1,449 £841 £736 £594 Get Quote
xDrive 18d SE 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive 18d SE 5d Step Auto 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d SE 5d 25 £1,496 £868 £761 £614 Get Quote
sDrive 18d SE 5d Step Auto 25 £1,496 £868 £761 £614 Get Quote
sDrive20i SE Sport Dual-clutch auto (07/19-) 5d 28 £1,556 £902 £791 £638 Get Quote
xDrive20d SE Sport Automatic 5d 28 £1,556 £902 £791 £638 Get Quote
xDrive20i SE auto 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20i SE Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
sDrive20i SE Sport Dual-clutch auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20d SE 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20d SE auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive25d SE auto 5d 31 £1,557 £903 £792 £639 Get Quote
sDrive18i xLine (07/19-) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i xLine Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18d xLine 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive18d xLine Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d xLine 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d xLine Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive18i xLine 5d 25 £1,496 £868 £761 £614 Get Quote
sDrive18i xLine auto 5d 25 £1,496 £868 £761 £614 Get Quote
xDrive 18d xLine 5d 25 £1,496 £868 £761 £614 Get Quote
xDrive 18d xLine 5d Step Auto 25 £1,496 £868 £761 £614 Get Quote
sDrive 18d xLine 5d 26 £1,521 £882 £773 £624 Get Quote
sDrive 18d xLine 5d Step Auto 26 £1,521 £882 £773 £624 Get Quote
sDrive20i xLine Sport Dual-clutch auto (07/19-) 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20d xLine Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20i xLine Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive 20d xLine 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive 20d xLine 5d Step Auto 30 £1,562 £906 £794 £641 Get Quote
xDrive 25e xLine auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20i xLine 5d Step Auto 31 £1,557 £903 £792 £639 Get Quote
sDrive20i xLine Sport Dual-clutch auto 5d 33 £1,550 £899 £788 £636 Get Quote
xDrive 25d xLine 5d Step Auto 34 £1,554 £902 £790 £638 Get Quote
sDrive18i Sport (07/19-) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i Sport Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18d Sport 5d 23 £1,449 £841 £736 £594 Get Quote
sDrive18d Sport Sport Automatic 5d 23 £1,449 £841 £736 £594 Get Quote
xDrive18d Sport 5d 23 £1,449 £841 £736 £594 Get Quote
xDrive18d Sport Sport Automatic 5d 23 £1,449 £841 £736 £594 Get Quote
sDrive18i Sport 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive18i Sport auto 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d Sport 5d 25 £1,496 £868 £761 £614 Get Quote
sDrive 18d Sport 5d Step Auto 25 £1,496 £868 £761 £614 Get Quote
xDrive 18d Sport 5d 25 £1,496 £868 £761 £614 Get Quote
xDrive 18d Sport 5d Step Auto 25 £1,496 £868 £761 £614 Get Quote
sDrive20i Sport Sport Dual-clutch auto (07/19-) 5d 28 £1,556 £902 £791 £638 Get Quote
xDrive 20d Sport 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20d Sport Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20i Sport 5d Step Auto 29 £1,562 £906 £794 £641 Get Quote
xDrive20i Sport Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
sDrive20i Sport Sport Dual-clutch auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive 20d Sport 5d Step Auto 30 £1,562 £906 £794 £641 Get Quote
xDrive 25e Sport auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive25d Sport auto 5d 34 £1,554 £902 £790 £638 Get Quote
sDrive18i M Sport (07/19-) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport (Plus Pack and Tech Pack II) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport (Plus Pack and Tech Pack II) Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport (Plus Pack) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport (Plus Pack) Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport (Tech Pack II) 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport (Tech Pack II) Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive18i M Sport Dual-clutch auto 5d 22 £1,431 £830 £727 £587 Get Quote
sDrive 18d M Sport (Plus Pack and Tech Pack II) 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d M Sport (Plus Pack and Tech Pack II) Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d M Sport (Plus Pack) 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d M Sport (Plus Pack) Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d M Sport (Tech Pack II) 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive 18d M Sport (Tech Pack II) Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive18d M Sport 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive18d M Sport Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport (Plus Pack and Tech Pack II) 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport (Plus Pack and Tech Pack II) Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport (Plus Pack) 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport (Plus Pack) Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport (Tech Pack II) 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport (Tech Pack II) Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport 5d 24 £1,471 £854 £748 £604 Get Quote
xDrive18d M Sport Sport Automatic 5d 24 £1,471 £854 £748 £604 Get Quote
sDrive18i M Sport 5d 25 £1,496 £868 £761 £614 Get Quote
sDrive18i M Sport auto 5d 25 £1,496 £868 £761 £614 Get Quote
xDrive 18d M Sport 5d 25 £1,496 £868 £761 £614 Get Quote
xDrive 18d M Sport 5d Step Auto 25 £1,496 £868 £761 £614 Get Quote
sDrive 18d M Sport 5d 26 £1,521 £882 £773 £624 Get Quote
sDrive 18d M Sport 5d Step Auto 26 £1,521 £882 £773 £624 Get Quote
sDrive20i M Sport (Plus Pack and Tech Pack II) Sport Dual-clutch auto 5d 29 £1,562 £906 £794 £641 Get Quote
sDrive20i M Sport (Plus Pack) Sport Dual-clutch auto 5d 29 £1,562 £906 £794 £641 Get Quote
sDrive20i M Sport (Tech Pack II) Sport Dual-clutch auto 5d 29 £1,562 £906 £794 £641 Get Quote
sDrive20i M Sport Sport Dual-clutch auto (07/19-) 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20d M Sport (Plus Pack and Tech Pack II) Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20d M Sport (Plus Pack) Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20d M Sport (Tech Pack II) Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive20d M Sport Sport Automatic 5d 29 £1,562 £906 £794 £641 Get Quote
xDrive 20d M Sport 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive 20d M Sport 5d Step Auto 30 £1,562 £906 £794 £641 Get Quote
xDrive 25e M Sport (Plus Pack and Tech Pack II) auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive 25e M Sport (Plus Pack) auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive 25e M Sport (Tech Pack II) auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive 25e M Sport auto 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20i M Sport (Plus Pack and Tech Pack II) Sport Automatic 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20i M Sport (Plus Pack) Sport Automatic 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20i M Sport (Tech Pack II) Sport Automatic 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20i M Sport Sport Automatic 5d 30 £1,562 £906 £794 £641 Get Quote
xDrive20i M Sport 5d Step Auto 31 £1,557 £903 £792 £639 Get Quote
sDrive20i M Sport Sport Dual-clutch auto 5d 33 £1,550 £899 £788 £636 Get Quote
xDrive 25d M Sport 5d Step Auto 34 £1,554 £902 £790 £638 Get Quote

Average BMW X1 insurance cost

To give you a rough idea of how much it might cost you to insure your BMW X1, we ran several quotes to find an average figure. Based on our results, on average, you could insure your BMW X1 with a comprehensive policy for the monthly price of £96.12, or an annual sum of £1,078.22.

BMW X1 insurance cost by location

The table above shows the average cost of BMW X1 insurance based on insurance groups and driver age. However, there are numerous other factors that can affect the cost of your car insurance, one of the biggest being your location.

To show how much your location can impact your premium, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a BMW X1 2.0 TSI Turbo Silver 3d.

  • Expensive: £978 (London SE1)
  • Average: £841 (Newcastle NE1)
  • Cheap: £647 (Galashiels TD1)

Which factors affect my BMW X1 insurance rate?

Along with the insurance group, there are other key factors that impact your insurance premium costs:

  • Engine type and capacity. In most circumstances, the bigger the engine, the more you will pay for your car insurance. An average 30-year-old may pay £868 for the BMW X1 xDrive 18d xLine 5d, but could pay around £902 for the BMW X1 xDrive 25d M Sport 5d Step Auto.
  • Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £986 for insurance on a BMW X1 sDrive18i Sport 5d, while the same 30-year-old in Newcastle may only pay £854.
  • Driver age. Younger drivers are statistically more likely to be involved in car accidents and pose more of a risk to a provider than an older driver. The average 20-year-old driver in London may pay £1,819 for the BMW X1 xDrive 25e xLine auto 5d, while the average 40-year-old Londoner will only pay £953. In this example, the younger driver has to pay £866 more for their car insurance.

Other factors that influence the cost of your insurance include:

BMW X1 facts and trivia

  • The BMW X1 is the smallest SUV in its range, below the X1, X2, X3, X4, X5, X6 & X7.
  • The X1 didn’t offer front-wheel drive until its second generation.

Bottom line

This is a luxury vehicle which is a joy to drive. You’ll have to pay for this luxury, including the above-average insurance costs. Thankfully, the tips in this guide will help you to lower your insurance premiums.

Frequently asked questions

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*51% of consumers could save £257.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
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