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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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jun 17, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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% |
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