BMW X1 Car Insurance Cost

We believe Hanover offers the best car insurance for a BMW i8 because it provides competitive rates, comprehensive coverage, and top-rated customer service.

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Updated: 02 April 2024
Written by
Bob Phillips
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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

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 their combination of competitive rates, comprehensive coverage, and top-rated customer service.

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