Best BMW X1 Auto Insurance Rates 2021

To get the best price on your BMW X1 auto insurance, you'll need to shop around and compare. Thanks to the safety features of the BMW X1, you can get car insurance discounts. However, things like your driving record and how much you drive will also affect your BMW X1 auto insurance rates.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 1, 2021

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Things to Remember

  • The cost of insurance for a BMW X1 depends on the trim level
  • Crash test ratings have an impact on BMW X1 auto insurance rates
  • Safety features of the BMW X1 can earn you a car insurance discount

Buying a new car is both fun and a lot of work. If the BMW X1 is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a BMW X1 right here.

Take a look at what you can expect in terms of insurance rates for the BMW X1 and compare it to other similar vehicles. Then find out how the BMW X1 stacks up in terms of safety ratings and features, as well as what it costs to buy a BMW X1 right here.

If you need insurance for a BMW X1 right now, we can help. Enter your ZIP code for free BMW X1 car insurance quotes from top companies.

What impacts the cost of BMW X1 insurance?

The BMW X1 trim and model you choose can impact the total price you will pay for BMW X1 insurance coverage.
You can also expect your BMW X1 rates to be affected by where you live, your driving history, and in most states your age and gender.

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How much is the BMW X1?

The average cost to buy a new BMW X1 is $35,400. This cost will be affected by the trim level of your BMW X1 and any options you might chooose to add.

BMW X1 Safety Ratings

Your BMW X1 car insurance rates are tied to the safety ratings of the BMW X1. See the breakdown here.

BMW X1 Safety Ratings

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof Good
Head restraints & seats Good

BMW X1 Crash Test Ratings

The BMW X1 crash test ratingswill have an affect on BMW X1 car insurance rates. Take a look at crash test results for the BMW X1.

BMW X1 Crash Test Ratings

Vehicle Tested Overall Frontal Side Rollover
2020 BMW X1 SUV FWD 5 stars 4 stars 5 stars 4 stars
2020 BMW X1 SUV AWD 5 stars 4 stars 5 stars 4 stars
2019 BMW X1 SUV FWD 5 stars 4 stars 5 stars 4 stars
2019 BMW X1 SUV AWD 5 stars 4 stars 5 stars 4 stars
2018 BMW X1 SUV FWD 5 stars 4 stars 5 stars 4 stars
2018 BMW X1 SUV AWD 5 stars 4 stars 5 stars 4 stars

BMW X1 Safety Features

BMW X1 safety features can lower the cost of your insurance. The safety features for the BMW X1 include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Auto-Leveling Headlights
  • Lane Departure Warning

Ways to Save on BMW X1 Insurance

Save more on your BMW X1 car insurance rates. Take a look at the following five strategies that will get you the best BMW X1 auto insurance rates possible.

  • Remove unnecessary insurance once your BMW X1 is paid off
  • Don’t assume your BMW X1 is cheaper to insure than another vehicle. Compare. Compare. Compare.
  • Never drink and drive your BMW X1
  • Reduce modifications on your BMW X1
  • Park your BMW X1 somewhere safe – like a garage or private driveway

Top BMW X1 Insurance Companies

What is the best company for affordable BMW X1 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW X1 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the BMW X1.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

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Comparing Free BMW X1 Insurance Quotes Online

You can compare quotes for BMW X1 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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