The BMW X1 is a subcompact luxury crossover SUV. It combines a smooth ride with class thanks to its modern interior and crisp handling. However, no matter what type of X1 you drive, it needs to be protected with the right car insurance.
When you need BMW X1 insurance, an independent insurance agent can help you get set up with the best coverage. They know where to find quality BMW insurance at a great rate in your area. But first, here's a closer look at how much it costs to insure a BMW X1 by model year and top-rated insurance company in 2026.
Key Takeaways - BMW X1 Car Insurance
BMW X1 insurance costs an average of $2,256 per year, or approximately $188 per month, for full coverage in 2026.
American Family, Nationwide, and Progressive are the cheapest carriers for model-year 2025 BMW X1 insurance this year.
BMW X1 insurance rates vary widely by state, with drivers in Louisiana paying an average of $406 per month for full coverage, while drivers in Vermont pay only $112.
Young drivers tend to pay the most for BMW X1 insurance, while adult drivers pay the least.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique BMW X1 model.
What Is BMW X1 Insurance?
BMW X1 insurance combines a standard car insurance policy with custom coverages tailored to your unique vehicle. As a luxury vehicle, your X1 may require more coverage than standard SUVs. As a result, BMW car insurance for an X1 can be more expensive than the average premium rate for all subcompact crossover SUVs.
Recommended coverage options for BMW X1 drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a BMW X1:
- Gap insurance: If you have a new or financed BMW vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- BMW warranty insurance: This can extend BMW's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine BMW parts during the repair process.
At least the minimum BMW auto insurance is likely required by law in your state. Your local independent insurance agent can help you satisfy your state's coverage requirements for your BMW X1.
How Much Does BMW X1 Insurance Cost?
The average cost of full coverage car insurance for a BMW X1 in 2026 is $2,256 per year, or approximately $188 per month. Minimum coverage costs an average of $1,152 per year, or approximately $96 per month. However, several factors can affect BMW insurance costs, including:
- The specific type of X1 you drive
- Your claims history
- Your driving history
- Your location
- The types and amount of coverage you need
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable insurance for a BMW X1 in your area.
Is the BMW X1 Expensive to Insure?
Yes, the BMW X1 is more expensive to insure than many other vehicles, including other subcompact luxury crossover SUVs. However, many vehicles are still more expensive to insure than the X1. Here's a closer look at the average monthly cost of car insurance for a BMW X1 compared to similar vehicles from other brands.
| Vehicle | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Land Rover Freelander | $74 | $143 |
| BMW X3 | $85 | $164 |
| Infiniti EX | $85 | $165 |
| Mercedes GLK Class | $87 | $169 |
| Audi Q5 | $89 | $173 |
| Cadillac XT4 | $95 | $184 |
| BMW X1 | $96 | $188 |
| Lincoln MKC | $97 | $188 |
| Mercedes GLB | $99 | $193 |
| Buick Envision | $106 | $206 |
| Cadillac XT5 | $109 | $211 |
| Jaguar F-Pace | $119 | $232 |
| Porsche Macan | $128 | $251 |
| Audi Q4 e-tron | $212 | $418 |
BMW X1 Insurance Costs by Model Year
Next, we'll break down several model years of the BMW X1 and the average insurance costs for each.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2025 | $97 | $190 |
| 2024 | $114 | $223 |
| 2023 | $108 | $210 |
| 2022 | $137 | $271 |
| 2021 | $120 | $236 |
| 2020 | $97 | $189 |
| 2019 | $99 | $194 |
| 2018 | $96 | $187 |
| 2017 | $89 | $172 |
| 2016 | $81 | $157 |
| 2015 | $78 | $151 |
| 2014 | $79 | $153 |
| 2013 | $81 | $156 |
Cheapest BMW X1 Car Insurance Companies for 2026
Affordable BM1 X1 coverage is available from many different carriers. These outstanding car insurance companies provide the cheapest model-year 2025 BMW X1 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,942 |
| Nationwide | $1,943 |
| Progressive | $1,984 |
| USAA | $2,371 |
| Erie | $2,498 |
| Allstate | $4,375 |
BMW X1 Car Insurance Rates by State
Your specific location and state can greatly influence the cost of car insurance. Here are some average rates for BMW X1 car insurance by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $83 | $158 |
| Alaska | $71 | $151 |
| Arizona | $113 | $212 |
| Arkansas | $77 | $172 |
| California | $91 | $184 |
| Colorado | $95 | $228 |
| Connecticut | $127 | $219 |
| Delaware | $128 | $215 |
| Florida | $114 | $265 |
| Georgia | $134 | $222 |
| Hawaii | $52 | $117 |
| Idaho | $52 | $105 |
| Illinois | $88 | $166 |
| Indiana | $61 | $120 |
| Iowa | $57 | $138 |
| Kansas | $70 | $163 |
| Kentucky | $117 | $199 |
| Louisiana | $191 | $406 |
| Maine | $51 | $107 |
| Maryland | $139 | $236 |
| Massachusetts | $98 | $208 |
| Michigan | $154 | $298 |
| Minnesota | $81 | $172 |
| Mississippi | $86 | $170 |
| Missouri | $117 | $233 |
| Montana | $74 | $178 |
| Nebraska | $71 | $162 |
| Nevada | $156 | $283 |
| New Hampshire | $69 | $123 |
| New Jersey | $150 | $248 |
| New Mexico | $78 | $173 |
| New York | $109 | $196 |
| North Carolina | $76 | $150 |
| North Dakota | $62 | $137 |
| Ohio | $71 | $137 |
| Oklahoma | $88 | $197 |
| Oregon | $107 | $187 |
| Pennsylvania | $86 | $201 |
| Rhode Island | $117 | $208 |
| South Carolina | $96 | $179 |
| South Dakota | $56 | $178 |
| Tennessee | $75 | $151 |
| Texas | $119 | $245 |
| Utah | $96 | $164 |
| Vermont | $47 | $112 |
| Virginia | $90 | $145 |
| Washington | $85 | $159 |
| West Virginia | $87 | $177 |
| Wisconsin | $63 | $140 |
| Wyoming | $41 | $125 |
Average BMW X1 Insurance Rates by Driver Profile
Driving history and credit score can also impact the cost of your BMW X1 insurance. Here are some average BMW X1 insurance rates by driver profile in 2026.
| Violation | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Speeding Ticket on Record | $120 | $236 |
| Accident on Record | $142 | $275 |
| DUI on Record | $178 | $342 |
| Poor Credit | $233 | $469 |
Average BMW X1 Insurance Rates by Age
Your age greatly impacts the cost of your car insurance, no matter what kind of vehicle you drive. While young drivers pay the most, on average, for BMW X1 insurance by far, adult drivers pay the least. Here's a breakdown of average BMW X1 insurance costs by driver age in 2026.
| Driver Age Group | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Young (24 and under) | $245 | $473 |
| Adult (25 and older) | $96 | $188 |
| Senior | $128 | $237 |
Average BMW X1 Insurance Rates by Trim Type
The specific type of BMW X1 you drive, including its trim, can affect your car insurance premiums. Here are several popular models of the BMW X1 and the average insurance cost breakdown for each in 2026.
| Trim Type | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| xDrive35i Sport Utility 4D | $77 | $150 |
| SDrive28i Sport Utility 4D | $94 | $184 |
| M35i | $97 | $189 |
| xDrive28i Sport Utility 4D | $100 | $195 |
| xDrive28i | $114 | $224 |
Best BMW X1 Insurance Discounts: How to Lower Your BMW X1 Insurance Premiums
Most car insurance companies offer several BM1 X1 insurance discounts, such as for bundling your coverage or insuring multiple vehicles. You can also follow any of these tips to potentially reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing BMW X1 insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest BMW X1 insurance from a trusted carrier near you.
- Ask about BMW X1 insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or BMW may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
Working with a local independent insurance agent is the best way to find cheap BMW X1 insurance in your area. Your agent can also recommend additional ways to help lower your car insurance premiums for a BMW X1.
An Independent Insurance Agent Can Help You Get the Best BMW X1 Insurance Quotes
When it's time to find the most affordable BMW X1 insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best BMW X1 insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About BMW X1 Insurance
How much does BMW X1 insurance cost per year?
The average annual cost of full coverage for a BMW X1 in 2026 is $2,256, while minimum coverage averages $1,152. The cost of your policy can vary depending on your age, location, and other factors.
Which factors can increase BMW X1 insurance premiums?
Many factors can cause higher BMW X1 insurance premiums, such as accidents or traffic violations on your record, living in a location with high X1 theft rates, filing car insurance claims, and more.
Are BMWs expensive to insure?
Yes, BMWs can be expensive to insure compared to many other car brands. However, while the X1 is more expensive to insure than several other vehicles in its class, its average coverage rates are still lower than those of many other similar vehicles.
What are the best carriers for BMW X1 insurance?
We found that American Family, Nationwide, and Progressive are the best and cheapest car insurance companies for model-year 2025 BMW X1 insurance this year.
What discounts can I get on BMW X1 insurance?
The discounts offered for BMW X1 insurance vary by carrier, but you can often earn savings for bundling your coverage, insuring multiple vehicles, maintaining a clean driving record, remaining claim-free, or maintaining low annual mileage.
Sources
https://www.moneygeek.com/insurance/auto/bmw-x1-insurance/
https://www.thezebra.com/auto-insurance/vehicles/bmw/x1/