BMW X1 Insurance Cost

Auto insurance for a BMW X1 will cost about $1,697 per year.

This beats the national average for luxury SUV models by $370. 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 $5,747 $8,560 $10,119
18 $5,356 $7,978 $9,430
19 $4,733 $7,050 $8,334
20 $4,127 $6,147 $7,267
21 $3,461 $5,155 $6,094
22 $3,371 $5,021 $5,935
23 $2,949 $4,393 $5,193
24 $2,802 $4,174 $4,933
25 $2,418 $3,602 $4,258
30 $1,884 $2,806 $3,317
35 $1,764 $2,628 $3,106
40 $1,697 $2,527 $2,987
45 $1,651 $2,459 $2,907
55 $1,514 $2,255 $2,666
65 $1,580 $2,353 $2,781
75 $1,994 $2,969 $3,510

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 $1,798 $2,518 $3,152
Alaska $1,487 $2,166 $2,269
Arizona $1,681 $2,608 $3,718
Arkansas $1,843 $2,792 $3,123
California $2,052 $3,589 $2,052
Colorado $1,915 $2,651 $3,307
Connecticut $2,447 $3,783 $4,845
Delaware $2,025 $2,789 $3,702
Florida $2,412 $3,276 $4,271
Georgia $1,966 $3,030 $3,109
Hawaii $785 $1,084 $785
Idaho $1,364 $1,836 $2,286
Illinois $1,428 $2,111 $2,448
Indiana $1,467 $2,293 $2,676
Iowa $1,162 $1,743 $2,032
Kansas $1,546 $2,276 $2,697
Kentucky $2,235 $3,362 $3,954
Louisiana $2,869 $4,385 $4,721
Maine $1,085 $1,455 $2,124
Maryland $1,756 $2,574 $3,040
Massachusetts $1,408 $2,381 $1,408
Michigan $3,398 $5,108 $7,855
Minnesota $1,399 $1,879 $2,781
Mississippi $1,689 $2,551 $2,694
Missouri $1,591 $2,191 $2,834
Montana $1,618 $2,531 $2,792
Nebraska $1,367 $1,936 $2,202
Nevada $2,255 $3,405 $3,735
New Hampshire $1,569 $2,529 $3,220
New Jersey $1,729 $2,725 $3,516
New Mexico $1,765 $2,540 $2,853
New York $1,635 $2,129 $3,437
North Carolina $1,014 $1,636 $1,261
North Dakota $1,387 $2,135 $2,710
Ohio $1,237 $2,023 $2,095
Oklahoma $1,975 $2,965 $3,363
Oregon $1,797 $2,714 $3,114
Pennsylvania $1,514 $2,289 $2,627
Rhode Island $2,527 $3,878 $4,436
South Carolina $1,716 $2,484 $3,544
South Dakota $1,540 $2,119 $2,542
Tennessee $1,811 $2,709 $3,418
Texas $1,824 $2,684 $3,370
Utah $1,551 $2,243 $3,094
Vermont $1,194 $1,910 $2,088
Virginia $1,125 $1,694 $1,800
Washington $1,489 $2,238 $2,638
West Virginia $1,499 $2,182 $2,695
Wisconsin $1,494 $2,181 $2,649
Wyoming $1,395 $2,049 $2,291

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: