Table of Contents

Table of Contents

Updated November 2023

BMW X1 Auto Insurance

If you like SUVs, luxury vehicles, and an affordable price tag, then you’re probably reading this right now because you already own a BMW X1. Alternatively, you may be here doing your research because you’re thinking about buying one in the near future.

Either way, you need to be able to find affordable BMW X1 auto insurance rates. And we are here to help. BMW insurance can be pricey, but shopping around can lower those rates. To learn how you can get a great deal on your BMW X1 car insurance , just keep reading.

If you want to buy BMW X1 auto insurance right now, we can help. Use our FREE quote tool to compare BMW X1 auto insurance quotes now.

A Brief History of the BMW X1

The BMW X1 Sport Activity Vehicle has been in production since 2009. All models have a four-wheel-drive option, but some older models were originally constructed with a rear-wheel-drive option.

These days, however, front-wheel drive is an alternative for discerning consumers. BMW markets this SUV as an “activity” vehicle, as opposed to calling it the SUV that it is, due to its compact size and a possible desire to appeal to motorists who don’t like the idea of driving a large vehicle which is difficult to maneuver.

Despite its size and the fact that it is a luxury vehicle from BMW, its base MSRP starts out at just below $34,000 – which is relatively affordable, all things considered.

BMW X1 in the News

Car experts are pitting the newest BMW X1 models against the similarly constructed competition: the Volvo XC40 and the Volkswagen Tiguan.

The BMW X1 seems to be coming out on top in this challenge, given the fact that its engine is more powerful and its MSRP is competitively priced.

If you don’t currently own a BMW X1, but you’re thinking about buying one, then you should probably know that car and driver awarded the BMW X1 first place for being the best subcompact luxury SUV available for sale in 2018.

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Comparing BMW X1 Auto Insurance

There are many different factors that all contribute to your insurance company’s final calculation of how much to charge you for your premiums. Some of these include miles driven each year, your driving history, and even your credit report.

However, one of the first things your insurance agent will ask you about is where you live – specifically, the zip code in which you plan to park your car most nights of the week.

Depending on circumstances in your immediate area, such as auto thefts, traffic problems, and reported accidents, you may either be in for a sweet discount or an expensive upcharge for driving in a dangerous city.

BMW X1 Car Insurance by State

Legend:
BMW X1

Minnesota
Texas
Michigan
Kansas
Pennsylvania

15
30
45
60
75
90
105
120
135

$103

$145

$90

$101

$81

Even once you nail down an estimate of how much you should expect to pay on your BMW X1 auto insurance based on where you live, how often you drive, and other factors, different insurance companies will still quote you different numbers.

Many of these quotes, especially from the major providers, may be fairly close and price. But other quotes – especially those between national insurance companies and local providers – may vary wildly.

Unfortunately, it’s up to you to do your due diligence and make sure you get as many quotes as possible to compare if you want to make sure you’re getting the best deal.

BMW X1 Auto Insurance by Company

Legend:
BMW X1

Allied
State Farm
Nationwide
Allstate
State Auto

15
30
45
60
75
90
105
120
135
150

$102

$105

$107

$129

$158

Given the fact that the BMW X1 is a relatively low priced compact SUV, it’s sure to be popular among motorists of all ages, especially those earning a middle-class income or higher.

But just because the price tag is affordable doesn’t mean that the insurance will be – and this is especially true for younger drivers. In the chart below, you can see how rates can change significantly with even just a few years difference of driving experience.

The longer you’ve been behind the wheel, the less likely you are to get into an accident. Insurance companies love to reward that level of surety with some juicy discounts.

BMW X1 Insurance Premiums by Age

Legend:
20-Year-Old Driver
30-Year-Old Driver
40-Year-Old Driver

Allied
State Farm
Nationwide
Allstate
State Auto

30
60
90
120
150
180
210
240
270
300
330
360

$189
$102
$99

$145
$105
$102

$139
$107
$105

$168
$129
$118

$368
$158
$155

If you’re still concerned that your relatively affordable compact SUV might have a relatively unaffordable insurance premium, there’s one more step you can take to give yourself peace of mind: compare quotes from multiple carriers right now.

Yes, that’s right, we said now. You can use the quote widget on this page to get instant quotes from several insurance agencies right near you.

All you need is your zip code, and 5 minutes – and you can start saving money today.

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