BMW X1 Insurance Cost

Full coverage for a BMW X1 costs about $1,560 a year ($130/month) by our estimate — ▼ −2% versus the average vehicle, ranking 123rd cheapest of 310 current models.

BMW X1 exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

BMW X1 insurance cost at a glance

Full coverage

$1,560

$130/mo · $1,280–$1,845

Minimum liability

$580

$48/mo

Segment

Luxury SUV

Gasoline

HLDI collision losses

101

Average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2013–2027 model years of the BMW X1.

Estimated BMW X1 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$580	$48	$475–$685
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$840	$70	$690–$995
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,560	$130	$1,280–$1,845

What drives the cost of insuring a BMW X1

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The BMW X1's results put our vehicle factor at 0.95× for liability, 1.07× for collision and 0.95× for comprehensive.

HLDI relative insurance losses — BMW X1 4dr 4WD (Small Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	101	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	89	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	88	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	99	Average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	83	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	86	Better than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 16 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

BMW X1 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
X1 M35i	AWD	2.0L 4-cyl Turbo	27
X1 xDrive28i	AWD	2.0L 4-cyl Turbo	28

BMW X1 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo	AWD	27–28	$1,560
2026	2.0L 4-cyl Turbo	AWD	27–28	$1,530
2025	2.0L 4-cyl Turbo	AWD	26–28	$1,495
2024	2.0L 4-cyl Turbo	AWD	26–28	$1,465
2023	2.0L 4-cyl Turbo	AWD	28	$1,430
2022	2.0L 4-cyl Turbo	AWD, FWD	26–27	$1,400
2021	2.0L 4-cyl Turbo	AWD, FWD	26–27	$1,365
2020	2.0L 4-cyl Turbo	AWD, FWD	26–27	$1,335
2019	2.0L 4-cyl Turbo	AWD, FWD	25–26	$1,300
2018	2.0L 4-cyl Turbo	AWD, FWD	25–26	$1,270
2017	2.0L 4-cyl Turbo	AWD, FWD	25–26	$1,240
2016	2.0L 4-cyl Turbo	AWD	25	$1,205
2015	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	21–26	$1,200
2014	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	21–26	$1,200
2013	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	21–27	$1,200

BMW X1 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the X1 page for that state.

State	Full coverage	Minimum	vs. national	X1 page
Alabama	$1,370	$455	−12%	X1 in AL
Alaska	$1,370	$590	−12%	X1 in AK
Arizona	$1,630	$625	+4%	X1 in AZ
Arkansas	$1,390	$425	−11%	X1 in AR
California	$1,545	$540	−1%	X1 in CA
Colorado	$1,775	$615	+14%	X1 in CO
Connecticut	$1,650	$670	+6%	X1 in CT
Delaware	$1,725	$760	+11%	X1 in DE
District of Columbia	$1,975	$700	+27%	X1 in DC
Florida	$2,195	$1,020	+41%	X1 in FL
Georgia	$1,915	$825	+23%	X1 in GA
Hawaii	$1,085	$410	−30%	X1 in HI
Idaho	$1,060	$380	−32%	X1 in ID
Illinois	$1,360	$470	−13%	X1 in IL
Indiana	$1,115	$380	−29%	X1 in IN
Iowa	$1,070	$290	−31%	X1 in IA
Kansas	$1,255	$380	−20%	X1 in KS
Kentucky	$1,310	$500	−16%	X1 in KY
Louisiana	$2,155	$750	+38%	X1 in LA
Maine	$1,000	$400	−36%	X1 in ME
Maryland	$1,750	$710	+12%	X1 in MD
Massachusetts	$1,540	$560	−1%	X1 in MA
Michigan	$1,705	$725	+9%	X1 in MI
Minnesota	$1,310	$445	−16%	X1 in MN
Mississippi	$1,500	$500	−4%	X1 in MS
Missouri	$1,420	$485	−9%	X1 in MO
Montana	$1,255	$370	−20%	X1 in MT
Nebraska	$1,260	$380	−19%	X1 in NE
Nevada	$1,770	$820	+13%	X1 in NV
New Hampshire	$1,120	$380	−28%	X1 in NH
New Jersey	$1,865	$885	+20%	X1 in NJ
New Mexico	$1,405	$490	−10%	X1 in NM
New York	$2,080	$880	+33%	X1 in NY
North Carolina	$1,180	$425	−24%	X1 in NC
North Dakota	$1,015	$260	−35%	X1 in ND
Ohio	$1,120	$380	−28%	X1 in OH
Oklahoma	$1,415	$445	−9%	X1 in OK
Oregon	$1,390	$590	−11%	X1 in OR
Pennsylvania	$1,375	$400	−12%	X1 in PA
Rhode Island	$1,875	$775	+20%	X1 in RI
South Carolina	$1,655	$695	+6%	X1 in SC
South Dakota	$1,210	$300	−22%	X1 in SD
Tennessee	$1,305	$425	−16%	X1 in TN
Texas	$1,855	$655	+19%	X1 in TX
Utah	$1,410	$615	−10%	X1 in UT
Vermont	$1,030	$300	−34%	X1 in VT
Virginia	$1,345	$590	−14%	X1 in VA
Washington	$1,350	$560	−13%	X1 in WA
West Virginia	$1,315	$410	−16%	X1 in WV
Wisconsin	$1,070	$350	−31%	X1 in WI
Wyoming	$1,235	$305	−21%	X1 in WY

BMW X1 insurance by driver profile

Estimated annual BMW X1 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,595	$2,315	$4,295	$358
Young adult (22)	$930	$1,345	$2,500	$208
Adult in their 30s	$580	$840	$1,560	$130
Adult in their 50s	$535	$775	$1,435	$120
Senior (72)	$650	$940	$1,750	$146
30s, one at-fault accident	$840	$1,220	$2,265	$189
30s, DUI on record	$1,075	$1,555	$2,890	$241

BMW X1 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
BMW X1	$1,560	101	89	—
Infiniti QX60	$1,550	105	100	Compare
Infiniti QX30	$1,460	—	—	Compare
Lincoln MKC	$1,460	—	—	Compare

Estimate BMW X1 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other BMW models

2 Series $1,630/yr
4 Series $1,670/yr
5 Series $1,490/yr
7 Series $3,710/yr
i5 $2,085/yr
i7 $2,795/yr
iX3 $1,895/yr
M2 $2,260/yr
M3 $4,190/yr
M4 $4,260/yr
M5 $1,820/yr
X2 $1,805/yr
X5 $1,690/yr
X6 $2,305/yr
X7 $1,915/yr
3 Series $1,880/yr
8 Series $2,610/yr
i4 $1,920/yr
iX $2,310/yr
X3 $1,565/yr
XM $2,985/yr
Z4 $1,320/yr
M8 $3,945/yr
X4 $1,745/yr
i3 $1,565/yr
i8 $1,810/yr
6 Series $1,480/yr
M6 $1,755/yr
1 Series $1,580/yr
ActiveE $1,390/yr

All BMW insurance costs →

Frequently asked questions

How much is insurance for a BMW X1?

We estimate about $1,560 a year ($130 a month) for full coverage and $580 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% less than the average vehicle.

Is the BMW X1 expensive to insure?

HLDI insurance-loss data rates it at 101 for collision and 89 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a BMW X1?

Maine has the lowest estimate (about $1,000 a year for full coverage) and Florida the highest (about $2,195).

What is the BMW X1's NHTSA safety rating?

The 2026 BMW X1 earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the BMW X1 cheaper to insure than the Infiniti QX60?

By our estimate the BMW X1 costs about $1,560 a year versus $1,550 for the Infiniti QX60, making the Infiniti QX60 cheaper to insure.

How much is BMW X1 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,295 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page