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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 20, 2021

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Things to Remember

  • The MSRP of the BMW X1 is $35,400
  • The BMW X1 has safety features that include Driver Air Bag and Lane Departure Warning
  • 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 average annual rate for the BMW X1 is just that, an average. Your insurance rates for a BMW X1 can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your BMW X1.

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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

BMW X1 crash test ratings can impact the cost of your BMW X1 car insurance. See BMW X1 crash test results here.

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

The BMW X1 safety features can mean cheaper insurance. The BMW X1 has the following safety features:

  • 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

If you want to reduce the cost of your BMW X1 insurance rates, follow these tips below:

  • Use an accurate job title when requesting BMW X1 auto insurance
  • Install an aftermarket anti-theft device for your BMW X1
  • Wait six years for accidents to disappear from your record
  • Compare insurance companies after moving
  • Ask about BMW X1 low mileage discounts

Top BMW X1 Insurance Companies

Several insurance companies offer competitive rates for the BMW X1 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with BMW X1 drivers organized by market share.

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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