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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a BMW X1 is $2,934 per year or $245 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2025 BMW X1 costs $2,934, whereas the 2024 BMW X1 costs $2,893 annually. This is $41 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 BMW X1 at $1,910 per year.
Below, we'll look at BMW X1 insurance rates and show you how to save.
Average insurance cost of BMW X1 by model year
| Year of BMW X1 model | Average cost to insure |
|---|---|
| 2025 | $2,934 |
| 2024 | $2,893 |
| 2023 | $2,769 |
| 2022 | $2,650 |
| 2021 | $2,568 |
Compare X1 insurance rates by state
| Company | Average annual premium |
|---|---|
| State Farm | $1,840 |
| Nationwide | $1,875 |
| Travelers | $2,402 |
| UAIC | $2,688 |
| GEICO | $3,221 |
| Farmers | $3,830 |
| Mercury Insurance | $3,865 |
| Progressive | $4,029 |
| Allstate | $4,192 |
| AIG | $5,866 |
BMW X1 insurance rates per year
2025 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,910 2 State Farm $2,300 3 Nationwide $2,393 4 GEICO $2,433 5 Progressive $2,792 6 Farmers $3,843 7 Allstate $3,851 8 USAA $2,403 2024 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,918 2 State Farm $2,201 3 GEICO $2,385 4 Nationwide $2,538 5 Progressive $2,913 6 Allstate $3,635 7 Farmers $3,751 8 USAA $2,545 2023 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,893 2 State Farm $2,097 3 GEICO $2,295 4 Nationwide $2,541 5 Progressive $2,836 6 Allstate $3,429 7 Farmers $3,634 8 USAA $2,492 2022 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,830 2 State Farm $1,983 3 GEICO $2,183 4 Nationwide $2,498 5 Progressive $2,608 6 Allstate $3,322 7 Farmers $3,443 8 USAA $2,194 2021 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,813 2 State Farm $2,009 3 GEICO $2,138 4 Nationwide $2,486 5 Progressive $2,532 6 Allstate $3,168 7 Farmers $3,342 8 USAA $2,113 2020 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,752 2 State Farm $1,948 3 GEICO $2,186 4 Nationwide $2,387 5 Progressive $2,456 6 Allstate $2,966 7 Farmers $3,202 8 USAA $2,027 2019 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,700 2 State Farm $1,939 3 GEICO $1,977 4 Nationwide $2,334 5 Progressive $2,341 6 Allstate $2,913 7 Farmers $3,054 8 USAA $1,937 2018 BMW X1 insurance rates
Rank Company Average annual premium 1 Travelers $1,682 2 State Farm $1,886 3 GEICO $1,954 4 Nationwide $2,402 5 Progressive $2,413 6 Allstate $2,819 7 Farmers $2,964 8 USAA $1,779
BMW insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage