BMW X1 Insurance Cost

Auto insurance for a BMW X1 will cost about $1,614 per year.

This beats the national average for luxury SUV models by $280. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW X1.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

BMW X1 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW X1 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,467 $8,028 $9,392
18 $5,095 $7,482 $8,753
19 $4,503 $6,612 $7,735
20 $3,926 $5,765 $6,745
21 $3,292 $4,835 $5,656
22 $3,207 $4,709 $5,508
23 $2,806 $4,120 $4,820
24 $2,666 $3,914 $4,579
25 $2,300 $3,378 $3,951
30 $1,792 $2,631 $3,078
35 $1,678 $2,464 $2,883
40 $1,614 $2,370 $2,773
45 $1,571 $2,306 $2,698
55 $1,441 $2,115 $2,474
65 $1,503 $2,206 $2,581
75 $1,896 $2,785 $3,258

BMW X1 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW X1 by state.

BMW X1 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,710 $2,484 $3,162
Alaska $1,415 $1,961 $1,906
Arizona $1,599 $2,312 $3,406
Arkansas $1,753 $2,755 $3,033
California $1,952 $3,452 $1,952
Colorado $1,822 $2,550 $3,235
Connecticut $2,327 $3,610 $4,582
Delaware $1,927 $2,568 $3,298
Florida $2,294 $3,174 $4,136
Georgia $1,870 $2,797 $2,820
Hawaii $747 $1,014 $747
Idaho $1,298 $1,721 $2,092
Illinois $1,359 $2,054 $2,342
Indiana $1,396 $2,134 $2,395
Iowa $1,106 $1,516 $1,783
Kansas $1,471 $2,140 $2,503
Kentucky $2,126 $3,121 $3,686
Louisiana $2,730 $4,126 $4,474
Maine $1,032 $1,427 $2,106
Maryland $1,670 $2,431 $2,700
Massachusetts $1,339 $2,337 $1,339
Michigan $3,232 $4,926 $7,770
Minnesota $1,331 $1,774 $2,498
Mississippi $1,606 $2,291 $2,306
Missouri $1,513 $2,164 $2,843
Montana $1,539 $2,147 $2,499
Nebraska $1,301 $1,924 $2,090
Nevada $2,146 $3,182 $3,362
New Hampshire $1,492 $2,360 $2,983
New Jersey $1,644 $2,580 $3,376
New Mexico $1,679 $2,498 $2,593
New York $1,555 $1,959 $3,269
North Carolina $964 $1,657 $1,181
North Dakota $1,319 $2,005 $2,372
Ohio $1,176 $1,815 $1,861
Oklahoma $1,879 $2,690 $3,029
Oregon $1,710 $2,294 $2,740
Pennsylvania $1,440 $2,114 $2,474
Rhode Island $2,404 $3,527 $3,971
South Carolina $1,633 $2,263 $3,123
South Dakota $1,465 $2,111 $2,436
Tennessee $1,723 $2,536 $3,377
Texas $1,735 $2,507 $3,118
Utah $1,476 $2,068 $2,846
Vermont $1,136 $1,750 $1,849
Virginia $1,070 $1,643 $1,611
Washington $1,417 $1,923 $2,296
West Virginia $1,426 $2,041 $2,558
Wisconsin $1,421 $2,219 $2,530
Wyoming $1,327 $1,857 $1,978

BMW X1 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW X1 ranks for Insurance compared to other vehicles. Also check out how the X1 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW X1 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW X1 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: