BMW 1 Series insurance group & cost

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

Promoted
Confused.com car insurance logo
Get BMW 1 Series insurance quotes
Save up to £523*
Compare 160+ providers
Exclusive rewards
Get a quote

The BMW 1-Series is a family car with the touch of class personified by this German manufacturer. It’s one of the more affordable luxury sedans available to buy. In this guide, we’ll take a look at how much it costs to insure the car that was crowned ‘Best Family Car Interior’ at the What Car? awards earlier this year, and what you can do to keep premium costs down.

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 £646 for cover on a BMW 116d SE 5d model, or around £1,838 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) Age 20yrs Age 30yrs Age 40yrs Age 50yrs Link
116d SE 5d 16 £1,578 £646 £621 £540 Get Quote
116d SE Dual-clutch auto 5d 16 £1,578 £646 £621 £540 Get Quote
118i SE 5d 20 £2,275 £701 £679 £638 Get Quote
118i SE Dual-clutch auto 5d 20 £2,275 £701 £679 £638 Get Quote
118d SE 5d 21 £2,825 £722 £695 £676 Get Quote
118d SE Sport Automatic 5d 21 £2,825 £722 £695 £676 Get Quote
116d M Sport 5d 16 £1,578 £646 £621 £540 Get Quote
116d M Sport Dual-clutch auto 5d 16 £1,578 £646 £621 £540 Get Quote
118i M Sport (Plus Pack and Tech Pack I) 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport (Plus Pack and Tech Pack I) Dual-clutch auto 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport (Plus Pack) 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport (Plus Pack) Dual-clutch auto 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport (Tech Pack I) 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport (Tech Pack I) Dual-clutch auto 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport 5d 20 £2,275 £701 £679 £638 Get Quote
118i M Sport Dual-clutch auto 5d 20 £2,275 £701 £679 £638 Get Quote
118d M Sport (Plus Pack and Tech Pack I) 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport (Plus Pack) 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport (Plus Pack) Sport Automatic 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport (Tech Pack I) 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport (Tech Pack I) Sport Automatic 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport 5d 22 £3,437 £777 £754 £692 Get Quote
118d M Sport Sport Automatic 5d 22 £3,437 £777 £754 £692 Get Quote
120d xDrive M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 26 £2,392 £585 £556 £510 Get Quote
120d xDrive M Sport (Plus Pack) Sport Automatic 5d 26 £2,392 £585 £556 £510 Get Quote
120d xDrive M Sport (Tech Pack I) Sport Automatic 5d 26 £2,392 £585 £556 £510 Get Quote
120d xDrive M Sport Sport Automatic 5d 26 £2,392 £585 £556 £510 Get Quote
116d Sport 5d 16 £1,578 £646 £621 £540 Get Quote
116d Sport Dual-clutch auto 5d 16 £1,578 £646 £621 £540 Get Quote
118i Sport 5d 20 £2,275 £701 £679 £638 Get Quote
118i Sport Dual-clutch auto 5d 20 £2,275 £701 £679 £638 Get Quote
118d Sport 5d 21 £2,825 £722 £695 £676 Get Quote
118d Sport Sport Automatic 5d 21 £2,825 £722 £695 £676 Get Quote
120d xDrive Sport Sport Automatic 5d 26 £2,392 £585 £556 £510 Get Quote
M135i xDrive M Sport (Plus Pack and Tech Pack I) Sport Automatic 5d 36 £25,205 £1,838 £1,525 £1,319 Get Quote
M135i xDrive M Sport (Plus Pack) Sport Automatic 5d 36 £25,205 £1,838 £1,525 £1,319 Get Quote
M135i xDrive M Sport (Tech Pack I) Sport Automatic 5d 36 £25,205 £1,838 £1,525 £1,319 Get Quote
M135i xDrive Sport Automatic 5d 36 £25,205 £1,838 £1,525 £1,319 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: £1,125 (London SE1)
  • Average: £777 (Newcastle NE1)
  • Cheap: £768.99 (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 £701 for the 1.5-litre petrol BMW 118i SE 5d, but could pay around £722 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 £1,170 for insurance for a BMW 118d Sport 5d, whereas a 30-year-old in Newcastle may pay around £722 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 £5,429 for insurance for a BMW 118i M Sport 5d model, but a 40-year-old driver from the same location would only pay around £1,126.
  • Learn about other factors that affect your insurance policy costs

How can I save on my car insurance?

If you like to save (and who doesn’t?), you’re in luck. Below we’ve collected some of the top factors that affect your insurance rate – and how you can save money!

  • Annual payments. Monthly payment will often come with added interest, so you could end up paying more for your premium than if you paid it off in one lump sum each year.
  • Personal information. While not something that is particularly easy to adjust, insurers take a driver’s personal situation into account when offering a policy. This includes age, sex, geographical location, and marital status. In simple terms, insurance companies like stability – and they’ll reward it with lower premiums.
  • Modifications. Car modifications are a tricky business when it comes to car insurance. Insurers generally punish you for any add-ons designed to make the car faster with higher premiums (deeming you as a more at-risk driver). Investment in add-ons designed to compliment the car’s safety and security features, however, for instance tracking technology, are generally rewarded with lower premiums as these reduce risk for insurers.
  • Credit History. Insurers will likely reward drivers with better credit histories and longer periods of no claims and no convictions.

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

Compare insurance for other BMW models

A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
Y

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Danny Butler's headshot
Written by

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise
Danny has written 337 Finder guides across topics including:
  • Car, home and business insurance
  • Helping people save money on their insurance
  • Project management
  • Giving valuable insights to website visitors

More guides on Finder

  • BMW Z3 insurance group

    Find out which insurance group the BMW Z3 falls under and how much it costs to insure.

  • BMW M4 insurance group

    Find out which insurance group the BMW M4 falls under and how much it costs to insure.

  • BMW M3 insurance group

    Find out which insurance group the BMW M3 falls under and how much it costs to insure.

  • BMW 2 Series insurance group and cost

    Find out which insurance group the BMW 2 Series falls under and how much it costs to insure.

  • BMW X1 insurance group and cost

    Compare car insurance costs for a BMW X1 based on the specific model version, the driver’s age and their location.

  • BMW X4 insurance group and cost

    Looking to insure a BMW X4? Use our comprehensive guide to find out how much it costs to insure a BMW X4 and how you could bring down your premiums. Compare insurers and buy online today.

  • BMW 3 Series insurance group & cost

    Use our guide to find out how much it costs to insure a BMW 3 Series and how you could save on your car insurance premiums.

  • BMW X5 insurance groups and cost

    Use our guide to find out how much it costs to insure a BMW X5 and how you could bring down your premiums. Compare quotes and buy online today.

  • BMW X3 insurance group and cost

    Use our comprehensive guide to find out how much it costs to insure a BMW X3 and how you could bring down your premiums.

Go to site