Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used BMW X1? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW X1 insurance facts

  • Average full coverage auto insurance premium: $131/month

  • Most affordable companies: Texas Farm Bureau ($103/month) & State Farm ($110/month)

  • X1 car insurance cost vs. average rate: $37 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW X1 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average BMW X1 insurer costs by state:

Risk factors affecting BMW X1 coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW X1 insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average X1 repair costs equal higher insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW X1 affecting auto policies

Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower coverage rates for drivers

BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying an insurance policy.

2021 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2461
Allstate$2273
Erie$2154
GEICO$1879
Kentucky Farm Bureau$2376
Liberty Mutual$1488
Mercury$1411
Nationwide$2320
Progressive$1530
Safeco$2549
State Farm$1327
Tennessee Farmers$2013
Texas Farm Bureau$1243
The Hanover$2413
Travelers$2319
USAA$1690

Compare all 2021 BMW X1 rates

Average Cost to Insure Per Year

$1714

List Price

$35400

Trims Available

sDrive28i - xDrive28i - Base Engine: 228-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2371
Allstate$2157
American Family$1347
Erie$2016
GEICO$1897
Kentucky Farm Bureau$2247
Liberty Mutual$1555
Mercury$1452
Nationwide$2235
Progressive$1642
State Farm$1235
Tennessee Farmers$1927
Texas Farm Bureau$1187
The Hanover$2361
Travelers$2198
USAA$1734

Compare all 2020 BMW X1 rates

Average Cost to Insure Per Year

$1687

List Price

$35200

Trims Available

sDrive28i - xDrive28i - Base Engine: 228-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2277
Allstate$1749
American Family$1177
Erie$1654
GEICO$1490
Kentucky Farm Bureau$2016
Liberty Mutual$1253
Mercury$1243
Nationwide$1943
Progressive$1289
State Farm$1136
Tennessee Farmers$1527
Texas Farm Bureau$1125
The Hanover$2146
Travelers$1835
USAA$1367

Compare all 2019 BMW X1 rates

Average Cost to Insure Per Year

$1586

List Price

$34950

Trims Available

sDrive28i - xDrive28i - Base Engine: 228-hp turbocharged 2.0-liter four-cylinder with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1273
Acuity$ 1273
Allied$ 1189
Allied$ 1189
Arbella$ 1397
Arbella$ 1397
Country$ 1334
Country$ 1334
Erie$ 1101
Erie$ 1101
GEICO$ 1399
GEICO$ 1399
Mercury$ 1397
Mercury$ 1397
Nationwide$ 1244
Nationwide$ 1244
Progressive$ 1271
Progressive$ 1271
Tennessee Farmers$ 1046
Tennessee Farmers$ 1046
USAA$ 1220
USAA$ 1220
Vermont Mutual$ 1212
Vermont Mutual$ 1212

Compare all 2018 BMW X1 rates

Average Cost to Insure Per Year

$ 1544

List Price

$ 33900

Trims Available

sDrive28i - xDrive28i

2017 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1272
Acuity$ 1272
Allied$ 1150
Allied$ 1150
Arbella$ 1360
Arbella$ 1360
Country$ 1325
Country$ 1325
Erie$ 1067
Erie$ 1067
GEICO$ 1303
GEICO$ 1303
Mercury$ 1367
Mercury$ 1367
Nationwide$ 1250
Nationwide$ 1250
Progressive$ 1292
Progressive$ 1292
State Farm$ 1338
State Farm$ 1338
USAA$ 1234
USAA$ 1234
Vermont Mutual$ 1184
Vermont Mutual$ 1184

Compare all 2017 BMW X1 rates

Average Cost to Insure Per Year

$ 2166

List Price

$ 33750

Trims Available

sDrive28i - xDrive28i

2016 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1244
Acuity$ 1244
Allied$ 1205
Allied$ 1205
Arbella$ 1312
Arbella$ 1312
Country$ 1297
Country$ 1297
Erie$ 1046
Erie$ 1046
GEICO$ 1376
GEICO$ 1376
Mercury$ 1353
Mercury$ 1353
Nationwide$ 1312
Nationwide$ 1312
Progressive$ 1323
Progressive$ 1323
Tennessee Farmers$ 884
Tennessee Farmers$ 884
USAA$ 1257
USAA$ 1257
Vermont Mutual$ 1148
Vermont Mutual$ 1148

Compare all 2016 BMW X1 rates

Average Cost to Insure Per Year

$ 2039

List Price

$ 34800

Trims Available

xDrive28i

2015 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1157
Acuity$ 1157
Allied$ 1286
Allied$ 1286
Arbella$ 1249
Arbella$ 1249
Country$ 1227
Country$ 1227
Erie$ 1059
Erie$ 1059
GEICO$ 1189
GEICO$ 1189
Nationwide$ 1319
Nationwide$ 1319
Progressive$ 1269
Progressive$ 1269
State Farm$ 1257
State Farm$ 1257
Tennessee Farmers$ 1039
Tennessee Farmers$ 1039
USAA$ 1141
USAA$ 1141
Vermont Mutual$ 1049
Vermont Mutual$ 1049

Compare all 2015 BMW X1 rates

Average Cost to Insure Per Year

$ 2054

List Price

$ 31200

Trims Available

sDrive28i - xDrive28i - xDrive35i

2013 BMW X1

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1081
Acuity$ 1081
American Family$ 1255
American Family$ 1255
Amica$ 1371
Amica$ 1371
Arbella$ 1186
Arbella$ 1186
Country$ 1248
Country$ 1248
Erie$ 1013
Erie$ 1013
GEICO$ 1173
GEICO$ 1173
Progressive$ 1285
Progressive$ 1285
State Farm$ 1368
State Farm$ 1368
Tennessee Farmers$ 1016
Tennessee Farmers$ 1016
USAA$ 1080
USAA$ 1080
Vermont Mutual$ 994
Vermont Mutual$ 994

Compare all 2013 BMW X1 rates

Average Cost to Insure Per Year

$ 2124

List Price

$ 30650

Trims Available

sDrive28i - xDrive28i - xDrive35i