Key Takeaways
The BMW X1 model is a subcompact luxury crossover that was first introduced in 2009. Over the years, it has grown into one of the iconic models from the German carmaker BMW. When it comes to insurance, there are several factors that every X1 owner should know. Do you know what aspects insurance companies consider when determining the BMW X1 car insurance cost? How can you compare X1 insurance rates effectively? In this guide, we'll cover everything you need to know, helping you save both time and money.
The average annual BMW X1 auto insurance cost is $1,704, with an average monthly premium of $142. This means the BMW X1 is comparatively more expensive to insure than regular vehicles. The main reason is that the X1 falls under the luxury category, where maintenance costs and spare parts are higher than those of standard cars. However, by comparing insurance premiums across different providers, you have a good chance of finding affordable yet reliable options that suit your preferences.
No, the BMW X1 is not as expensive to insure compared to other luxury BMW models. In fact, it is generally considered one of the more affordable BMWs to insure, and there are several reasons behind this. While its insurance rate is higher than that of regular vehicles, it remains lower when compared to most luxury models. Still, it's important to understand the key factors that play a role in determining the auto insurance cost of the X1.
Here's a comparison of insurance rates with similar models:
| Car Model | Annual Rate |
|---|---|
| Mini Countryman | $1,390 |
| Audi Q3 | $1,680 |
| Infiniti QX30 | $1,692 |
| BMW X1 | $1,704 |
| Benz GLA | $1,780 |
| Audi A4 | $2,100 |
Several factors, such as MSRP, model year, trim level, driver profile, past insurance claims, age, safety features, and maintenance costs, affect the cost of BMW X1 car insurance. Also, there might be variations in the rate according to your specific preferences and coverage options. The best approach is to compare multiple insurers, see which ones fit your budget, and then choose the right insurance partner.
For the 2020 BMW X1, Vermont Mutual offers the cheapest insurance at $1,175 annually. Nationwide and Tennessee Farmers are also among the affordable options. On the other hand, USAA and Arbella charge some of the highest premiums, at $1,528 and $1,526, respectively.
| Insurance Company | Annual Rate |
|---|---|
| Vermont Mutual | $1,175 |
| Nationwide | $1,185 |
| Tennessee Farmers | $1,242 |
| 21st Century | $1,419 |
| Erie | $1,432 |
| Country | $1,437 |
| American Family | $1,437 |
| Progressive | $1,482 |
| State Farm | $1,483 |
| Arbella | $1,526 |
| USAA | $1,528 |
Cincinnati Insurance and Nationwide are the most affordable options for the 2019 BMW X1, with annual premiums of $1,108 and $1,143, respectively. USAA and Country fall in the mid-range, charging $1,348 and $1,379, respectively. State Farm, on the other hand, has the highest premium, at $1,531.
| Insurance Company | Annual Rate |
|---|---|
| Cincinnati Insurance | $1,108 |
| Nationwide | $1,143 |
| Auto Owners | $1,214 |
| Erie | $1,272 |
| USAA | $1,348 |
| Country | $1,379 |
| American Family | $1,405 |
| Progressive | $1,485 |
| Arbella | $1,492 |
| Acuity | $1,517 |
| State Farm | $1,531 |
For the 2018 BMW X1, Tennessee Farmers offers the lowest premium at just $974 annually, while State Farm charges the highest rate at $1,341.
| Insurance Company | Annual Rate |
|---|---|
| Tennessee Farmers | $974 |
| Erie | $1,029 |
| Vermont Mutual | $1,140 |
| USAA | $1,148 |
| Nationwide | $1,172 |
| Progressive | $1,199 |
| Acuity | $1,201 |
| Country | $1,262 |
| Arbella | $1,325 |
| Mercury | $1,325 |
| State Farm | $1,341 |
Erie is the best pick if you're looking for an affordable insurance premium for the 2017 BMW X1, charging $995 annually. Vermont Mutual follows closely at $1,112. Meanwhile, American Family has the highest premium at $1,353.
| Insurance Company | Insurance Rate |
|---|---|
| Erie | $995 |
| Vermont Mutual | $1,112 |
| USAA | $1,162 |
| Nationwide | $1,178 |
| Acuity | $1,200 |
| Progressive | $1,220 |
| Country | $1,253 |
| State Farm | $1,266 |
| Arbella | $1,288 |
| Mercury | $1,295 |
| American Family | $1,353 |
Similar to the 2020 model, Vermont Mutual offers the cheapest insurance for the 2016 BMW X1 at $1,052 annually. Tennessee Farmers and Nationwide follow as other affordable options. On the other hand, Auto Owners has the most expensive premium at $1,437.
| Insurance Company | Insurance Rate |
|---|---|
| Vermont Mutual | $1,052 |
| Tennessee Farmers | $1,117 |
| Nationwide | $1,128 |
| Erie | $1,233 |
| 21st Century | $1,300 |
| USAA | $1,312 |
| American Family | $1,314 |
| Country | $1,345 |
| State Farm | $1,367 |
| Arbella | $1,371 |
| Auto Owners | $1,437 |
Tennessee Farmers offers the cheapest insurance premium for the 2015 BMW X1 at $967 annually. Vermont Mutual is another affordable option at $977. In contrast, American Family charges the highest premium, starting at $1,259.
| Insurance Company | Annual Rate |
|---|---|
| Tennessee Farmers | $967 |
| Vermont Mutual | $977 |
| Erie | $987 |
| USAA | $1,069 |
| Acuity | $1,085 |
| Country | $1,155 |
| Arbella | $1,177 |
| State Farm | $1,185 |
| Progressive | $1,197 |
| Nationwide | $1,247 |
| American Family | $1,259 |
Vermont Mutual has consistently been one of the most affordable insurers for the BMW X1, and it's no different for the 2013 model year. They charge $922 annually, with Erie close behind at $941. But Amica is the most expensive option, with premiums starting at $1,299.
| Insurance Company | Insurance Rate |
|---|---|
| Vermont Mutual | $922 |
| Erie | $941 |
| Tennessee Farmers | $944 |
| USAA | $1,008 |
| Acuity | $1,009 |
| Arbella | $1,114 |
| Country | $1,176 |
| American Family | $1,183 |
| Progressive | $1,213 |
| State Farm | $1,296 |
| Amica | $1,299 |
The BMW X1 has advanced safety features like lane departure warning, automatic emergency braking, blind-spot detection, and multiple airbags. These features improve crash safety and can help lower the BMW X1 car insurance cost by reducing accident risks.
Below are the advanced safety features of X1 that set this car apart from the competition.
The BMW X1 (2023-25) has earned good ratings across all major crashworthiness and crash avoidance tests, including both driver and passenger-side small overlap impacts. As mentioned earlier, the BMW X1 auto insurance cost is relatively affordable, and strong safety ratings are one of the key reasons for that. Good safety ratings generally help lower the insurance rates of any car model. You can also browse the insurance rates of different car models with Way.
Below is an overview of the safety tests conducted by IIHS for a clearer picture:
| Crash Test Category | Rating |
|---|---|
| Small Overlap Front (Driver-Side) | Good (G) |
| Small Overlap Front (Passenger-Side) | Good (G) |
| Moderate Overlap Front (Original Test) | Good (G) |
| Side Impact (Updated Side Test) | Good (G) |
| Headlights (Standard) | Good (G) |
| Front Crash Prevention (Pedestrian, Standard) | Good (G) |
Start your auto insurance journey today with the Way app or by visiting Way.com and get a free quote in just a few minutes! Compare plans from over 140 top insurance providers on our platform, giving you the flexibility to choose the right policy that could help reduce your BMW X1 car insurance cost.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The monthly average cost of BMW X1 car insurance is $142. You can compare many insurance providers to find the most suitable option.
The BMW X1 is comparatively cheaper to insure than other BMW models. However, as it is still a luxury model, the insurance rates will still be high compared with normal cars.
Full coverage BMW X1 car insurance costs about $1,704 a year.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 150+ carriers in seconds
