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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a X1.

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

These BMW X1 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

BMW X1 insurance Cost

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 Important Costs of Owning a BMW X1

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW X1 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

Already decided on buying a BMW X1? We have millions of new and used vehicles listed. Here are some BMW models for sale in your area.

Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.