BMW X1 Car Insurance Cost
To insure a BMW X1 with Unitrin, it usually costs around $1,253 per year. However, the actual cost can change based on factors like your age and the model year of your car. Check out our quote tables below to get a more personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a BMW X1, one crucial aspect to consider is the cost of insurance. Insurance plays a vital role in car ownership, so it’s essential to understand its implications before making a purchase.
Selecting the right car insurance policy is important to avoid unexpected and potentially high expenses in the future. Having insufficient coverage during an accident could result in significant out-of-pocket costs. Moreover, if you’re deemed at fault for accidents, there’s the risk of increased premiums.
Having analyzed car insurance rates for over a decade, I’ve observed significant variations in costs. Factors like age, driving record, and location can heavily impact insurance premiums. It’s crucial to carefully consider these factors when choosing insurance for your BMW X1.
How Much Does BMW X1 Car Insurance Cost?
Typically, Unitrin provides the most competitive rate, averaging at $1,253 annually for full coverage insurance on a 2024 BMW X1.
While Unitrin’s price serves as a good reference point, it’s essential to recognize that car insurance costs can vary significantly based on several factors. These factors include where you live, your driving history, the age of your car, and the specific coverage options you select. Having a clean driving record can result in lower premiums, but if you have a history of accidents or traffic violations, your costs may be higher.
Furthermore, residing in urban areas with heavy traffic might lead to higher insurance rates compared to rural areas with less traffic. The type of coverage you opt for will also affect your premium. Full coverage insurance, which includes comprehensive and collision coverage, typically costs more than minimum liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring you find the most suitable and cost-effective coverage for your needs.
2024 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,253 |
2023 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $695 |
| Safeco | $878 |
| Auto-Owners Insurance Co | $929 |
| Country | $1,002 |
| SECURA Insurance | $1,181 |
| Texas Farm Bureau Group | $1,176 |
| Rockford Mutual Insurance | $1,201 |
| Grange Mutual | $1,291 |
| Hastings Mutual Insurance Co | $1,431 |
| First Chicago Insurance | $1,482 |
2022 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Victoria | $551 |
| Pekin Insurance | $715 |
| Texas Farm Bureau Group | $1,105 |
| Country | $1,164 |
| SECURA Insurance | $1,320 |
| Virginia Farm Bureau | $1,342 |
| Grange Mutual | $1,518 |
| Hastings Mutual Insurance Co | $1,529 |
| Southern Farm Bureau | $1,583 |
| Rockford Mutual Insurance | $1,599 |
2021 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $145 |
| Victoria | $546 |
| Safeco | $631 |
| NatGen Value | $718 |
| Pekin Insurance | $779 |
| Mercury Insurance | $850 |
| Virginia Farm Bureau | $985 |
| SECURA Insurance | $1,019 |
| Rockford Mutual Insurance | $1,141 |
| Dairyland | $1,203 |
2020 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $455 |
| Concord Group | $598 |
| Countryway Insurance | $897 |
| Farm Bureau Mutual (IA Group) | $935 |
| SAFECO | $928 |
| Capital Insurance Group | $1,021 |
| PEMCO | $1,059 |
| SECURA Insurance | $1,100 |
| Patriot Group | $1,122 |
| Mercury Insurance | $1,126 |
2019 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $619 |
| American National P | $706 |
| Pekin Insurance | $729 |
| Hastings Mutual Insurance Co | $991 |
| SECURA Insurance | $990 |
| Direct Auto | $1,053 |
| Utica National Ins Group | $1,122 |
| North Carolina Farm Bureau | $1,145 |
| Titan | $1,199 |
| PEMCO | $1,191 |
2018 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $449 |
| American National P | $501 |
| NatGen Custom 360 | $521 |
| NatGen Advantage | $536 |
| Buckeye Insurance Group | $888 |
| Indiana Farmers Mutual Ins | $941 |
| North Carolina Farm Bureau | $1,001 |
| PEMCO | $1,073 |
| Tennessee Farmers | $1,091 |
| Texas Farm Bureau Group | $1,178 |
2017 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $203 |
| SAFECO | $293 |
| American National P | $486 |
| Mercury Insurance | $636 |
| Bear River | $765 |
| Virginia Farm Bureau | $948 |
| PEMCO | $1,022 |
| North Carolina Farm Bureau | $1,156 |
| Capital Insurance Group | $1,146 |
| Titan | $1,189 |
2016 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| American National P | $424 |
| Kemper Auto Premium | $538 |
| Clearcover | $720 |
| Mercury Insurance | $731 |
| Virginia Farm Bureau | $881 |
| PEMCO | $869 |
| Buckeye Insurance Group | $880 |
| NatGen PPA | $902 |
| NatGen Value | $952 |
| Oregon Mutual | $964 |
2015 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $335 |
| Safeco | $402 |
| Concord Group | $695 |
| Patriot Group | $791 |
| Utica National Ins Group | $877 |
| North Carolina Farm Bureau | $891 |
| MMG Insurance Company | $904 |
| PEMCO | $985 |
| Countryway Insurance | $1,032 |
| Texas Farm Bureau Group | $1,063 |
2014 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Safeco | $306 |
| Concord Group | $485 |
| American National P | $547 |
| Clearcover | $637 |
| MMG Insurance Company | $678 |
| Mercury Insurance | $890 |
| Commerce Group Inc | $959 |
| PEMCO | $968 |
| Patriot Group | $1,105 |
| West Bend Mutual | $1,109 |
2013 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $229 |
| Safeco | $271 |
| American National P | $464 |
| Kemper Auto | Infinity | $761 |
| NatGen PPA | $836 |
| Buckeye Insurance Group | $862 |
| Ohio Mutual Ins Group | $875 |
| Nationwide ThreeSixZero | $926 |
| PEMCO | $941 |
| Kentucky Farm Bureau | $955 |
2012 BMW X1 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Direct Auto | $731 |
| Clearcover | $1,122 |
| Southern Farm Bureau | $1,264 |
| USAA | $1,930 |
| Mercury | $2,034 |
| Travelers | $2,547 |
| NatGen Value | $2,768 |
| Automobile Club of Missouri | $2,955 |
| Nationwide | $2,975 |
| Metropolitan | $2,987 |
Cost of BMW X1 Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $5,978 | $8,771 | $10,275 |
| 18 | $5,584 | $8,152 | $9,540 |
| 19 | $4,920 | $7,207 | $8,449 |
| 20 | $4,276 | $6,276 | $7,354 |
| 21 | $3,586 | $5,289 | $6,193 |
| 22 | $3,511 | $5,138 | $6,014 |
| 23 | $3,079 | $4,498 | $5,258 |
| 24 | $2,922 | $4,293 | $5,016 |
| 25 | $2,510 | $3,674 | $4,311 |
| 30 | $1,951 | $2,883 | $3,348 |
| 35 | $1,822 | $2,702 | $3,166 |
| 40 | $1,755 | $2,597 | $3,042 |
| 45 | $1,725 | $2,533 | $2,955 |
| 55 | $1,592 | $2,294 | $2,691 |
| 65 | $1,658 | $2,396 | $2,837 |
| 75 | $2,062 | $3,051 | $3,564 |
BMW X1 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,854 | $2,701 | $3,447 |
| Alaska | $1,559 | $2,162 | $2,066 |
| Arizona | $1,740 | $2,521 | $3,701 |
| Arkansas | $1,912 | $3,006 | $3,306 |
| California | $2,122 | $3,773 | $2,148 |
| Colorado | $2,003 | $2,769 | $3,533 |
| Connecticut | $2,546 | $3,943 | $5,018 |
| Delaware | $2,090 | $2,784 | $3,591 |
| Florida | $2,512 | $3,458 | $4,523 |
| Hawaii | $810 | $1,111 | $812 |
| Idaho | $1,428 | $1,882 | $2,269 |
| Illinois | $1,487 | $2,257 | $2,538 |
| Indiana | $1,542 | $2,317 | $2,612 |
| Iowa | $1,191 | $1,677 | $1,942 |
| Kansas | $1,588 | $2,324 | $2,741 |
| Kentucky | $2,304 | $3,427 | $4,037 |
| Louisiana | $2,996 | $4,517 | $4,871 |
| Maine | $1,141 | $1,573 | $2,294 |
| Maryland | $1,812 | $2,651 | $2,950 |
| Massachusetts | $1,478 | $2,550 | $1,448 |
| Michigan | $3,519 | $5,370 | $8,504 |
| Minnesota | $1,470 | $1,926 | $2,738 |
| Mississippi | $1,765 | $2,521 | $2,535 |
| Missouri | $1,651 | $2,347 | $3,121 |
| Montana | $1,662 | $2,362 | $2,711 |
| Nebraska | $1,416 | $2,081 | $2,281 |
| Nevada | $2,358 | $3,459 | $3,680 |
| New Hampshire | $1,627 | $2,566 | $3,245 |
| New Jersey | $1,800 | $2,799 | $3,677 |
| New Mexico | $1,851 | $2,720 | $2,821 |
| New York | $1,709 | $2,129 | $3,552 |
| North Carolina | $1,069 | $1,816 | $1,283 |
| North Dakota | $1,455 | $2,208 | $2,589 |
| Ohio | $1,292 | $1,999 | $2,044 |
| Oklahoma | $2,067 | $2,941 | $3,305 |
| Oregon | $1,853 | $2,495 | $2,991 |
| Pennsylvania | $1,582 | $2,289 | $2,688 |
| Rhode Island | $2,617 | $3,868 | $4,327 |
| South Carolina | $1,777 | $2,479 | $3,425 |
| South Dakota | $1,585 | $2,322 | $2,661 |
| Tennessee | $1,866 | $2,789 | $3,680 |
| Texas | $1,882 | $2,728 | $3,419 |
| Utah | $1,625 | $2,275 | $3,109 |
| Vermont | $1,257 | $1,924 | $2,025 |
| Virginia | $1,178 | $1,789 | $1,739 |
| Washington | $1,551 | $2,087 | $2,490 |
| West Virginia | $1,571 | $2,245 | $2,792 |
| Wisconsin | $1,557 | $2,424 | $2,767 |
| Wyoming | $1,447 | $2,040 | $2,158 |
| Georgia | $2,049 | $3,066 | $3,098 |
Compare BMW X1 To Other BMW Models
- BMW228xi Car Insurance
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- BMW 440xi Car Insurance
- BMW 530e Car Insurance
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- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
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- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
- BMW i8 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
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FAQs
Who has the cheapest car insurance for a BMW X1?
Unitrin offers the most affordable car insurance for the 2024 BMW X1.
Which company offers the best car insurance for a BMW X1?
We believe Unitrin provides the best car insurance for a BMW X1, considering its combination of competitive rates, comprehensive coverage, and top-rated customer service.
