BMW X1 Insurance Cost

Auto insurance for a BMW X1 will cost about $1,544 per year.

This beats the national average for luxury SUV models by $243. 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 $5,231 $7,681 $8,986
18 $4,875 $7,159 $8,375
19 $4,308 $6,326 $7,401
20 $3,757 $5,516 $6,453
21 $3,150 $4,626 $5,412
22 $3,068 $4,505 $5,271
23 $2,685 $3,942 $4,612
24 $2,550 $3,745 $4,381
25 $2,201 $3,232 $3,781
30 $1,715 $2,518 $2,945
35 $1,606 $2,358 $2,758
40 $1,544 $2,268 $2,653
45 $1,503 $2,207 $2,582
55 $1,378 $2,024 $2,368
65 $1,438 $2,111 $2,470
75 $1,815 $2,665 $3,117

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 $1,636 $2,377 $3,025
Alaska $1,353 $1,876 $1,824
Arizona $1,530 $2,212 $3,259
Arkansas $1,678 $2,636 $2,902
California $1,868 $3,303 $1,868
Colorado $1,743 $2,439 $3,095
Connecticut $2,227 $3,454 $4,384
Delaware $1,844 $2,457 $3,156
Florida $2,195 $3,037 $3,957
Georgia $1,790 $2,676 $2,698
Hawaii $715 $970 $715
Idaho $1,242 $1,646 $2,002
Illinois $1,300 $1,965 $2,240
Indiana $1,336 $2,042 $2,291
Iowa $1,058 $1,451 $1,706
Kansas $1,407 $2,048 $2,395
Kentucky $2,035 $2,986 $3,527
Louisiana $2,612 $3,948 $4,281
Maine $988 $1,365 $2,015
Maryland $1,598 $2,326 $2,584
Massachusetts $1,282 $2,236 $1,282
Michigan $3,093 $4,713 $7,434
Minnesota $1,273 $1,698 $2,390
Mississippi $1,537 $2,192 $2,206
Missouri $1,448 $2,070 $2,720
Montana $1,472 $2,054 $2,391
Nebraska $1,245 $1,841 $2,000
Nevada $2,053 $3,045 $3,217
New Hampshire $1,428 $2,258 $2,855
New Jersey $1,573 $2,468 $3,230
New Mexico $1,607 $2,390 $2,481
New York $1,488 $1,874 $3,128
North Carolina $923 $1,585 $1,130
North Dakota $1,262 $1,919 $2,269
Ohio $1,126 $1,736 $1,780
Oklahoma $1,798 $2,574 $2,898
Oregon $1,636 $2,195 $2,621
Pennsylvania $1,378 $2,023 $2,367
Rhode Island $2,300 $3,374 $3,800
South Carolina $1,562 $2,165 $2,988
South Dakota $1,402 $2,020 $2,331
Tennessee $1,648 $2,427 $3,232
Texas $1,660 $2,398 $2,983
Utah $1,412 $1,979 $2,723
Vermont $1,087 $1,674 $1,770
Virginia $1,024 $1,572 $1,541
Washington $1,356 $1,840 $2,197
West Virginia $1,364 $1,953 $2,447
Wisconsin $1,360 $2,123 $2,421
Wyoming $1,269 $1,777 $1,893

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: