Best BMW X1 Auto Insurance Rates 2022

The price of car insurance for the BMW X1 depends on a lot of factors. Among the things that can impact your BMW X1 car insurance rates are your driving history and where you live. Of course, the purchase price of the BMW X1 also affects car insurance rates, and that depends on trim level and options.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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Things to Remember

  • The MSRP of the BMW X1 is $35,400
  • Crash test ratings have an impact on BMW X1 auto insurance rates
  • Safety features of the BMW X1 can earn you a car insurance discount

Before you buy a BMW X1, or even if you already own one, you’ll want to get the best BMW X1 auto insurance rates. The cost of auto insurance for a BMW X1 can vary from company to company and be based on personal factors like driving record, too.

The best way to get affordable BMW X1 auto insurance is to shop around and compare. Before you do that, take a look at the details we’ve gathered on what affects BMW auto insurance for a X1. You can also compare BMW X1 auto insurance rates to the average cost of insurance for competitors like Subaru Ascent and Land Rover LR3.

To compare BMW X1 auto insurance quotes from top companies, enter your ZIP code above now. It’s fast and free.

Are vehicles like the BMW X1 expensive to insure?

Take a look at how insurance rates for similar models to the BMW X1 look. These insurance rates for other SUVs like the Land Rover LR3, Subaru Ascent, and Jeep Grand Cherokee give you a good idea of what to expect.


Insurance Rates for Vehicles Similar to the BMW X1

Vehicle Comprehensive Collision Liability Total
Dodge Journey $322 $532 $372 $1,384
Mazda CX-7 $240 $380 $460 $1,238
Lincoln Navigator $356 $686 $398 $1,598
GMC Terrain $322 $562 $316 $1,336
Cadillac XT5 $376 $718 $372 $1,624
GMC Yukon $376 $594 $372 $1,500
Infiniti QX50 $344 $668 $416 $1,586
Dodge Nitro $196 $292 $520 $1,188

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What impacts the cost of BMW X1 insurance?

The average annual rate for the BMW X1 is just that, an average. Your insurance rates for a BMW X1 can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your BMW X1.

How much is the BMW X1?

The average cost to buy a new BMW X1 is $35,400. This cost will be affected by the trim level of your BMW X1 and any options you might chooose to add.

BMW X1 Safety Ratings

BMW X1 auto insurance rates affected by BMW X1 safety ratings. Take a look at the safety ratings for the BMW X1 here.

BMW X1 Safety Ratings

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof Good
Head restraints & seats Good

BMW X1 Crash Test Ratings

BMW X1 crash test ratings can impact the cost of your BMW X1 car insurance. See BMW X1 crash test results here.

BMW X1 Crash Test Ratings

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X1 SUV FWD 5 stars 4 stars 5 stars 4 stars
2020 BMW X1 SUV AWD 5 stars 4 stars 5 stars 4 stars
2019 BMW X1 SUV FWD 5 stars 4 stars 5 stars 4 stars
2019 BMW X1 SUV AWD 5 stars 4 stars 5 stars 4 stars
2018 BMW X1 SUV FWD 5 stars 4 stars 5 stars 4 stars
2018 BMW X1 SUV AWD 5 stars 4 stars 5 stars 4 stars
2017 BMW X1 SUV RWD N/R N/R N/R N/R
2017 BMW X1 SUV AWD N/R N/R N/R N/R

Ways to Save on BMW X1 Insurance

There are several ways you can save even more on your BMW X1 car insurance rates. Take a look at the following five tips:

  • Ask about student discounts
  • Move to an area with better weather
  • Consider BMW X1 insurance costs before buying a BMW X1
  • Reduce modifications on your BMW X1
  • Check for organization-based discounts, like alumni or employer discounts

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Top BMW X1 Insurance Companies

What is the best auto insurance company for BMW X1 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW X1 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the BMW X1.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

Comparing Free BMW X1 Insurance Quotes Online

Save money by comparing BMW X1 insurance rates with free quotes online now.

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