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The average BMW X1 car insurance rate for 2021 is $1,700 based on the profile of a 30-year-old driver. However, car insurance rates by state vary dramatically based on your ZIP code, among other factors. The state where you live plays a significant role in determining your insurance rate. For example, Michigan is the most expensive state for car insurance with an average insurance cost of $3,278 a year, whereas Maine has the lowest BMW X1 insurance rates for full coverage, with an annual insurance cost of $1,063 on average for drivers aged 30.

Average insurance cost of Bmw X1 by model year
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Year of Bmw X1 ModelAverage Cost to Insure
2020$1,661
2019$1,796
2018$1,752
2017$1,712
2016$1,673

Compare BMW X1 Insurance Rates by State

L O A D I N G
Company Style Full Coverage(Avg) Liability Coverage(Avg) State Minimum Coverage(Avg)
Allstate2WD 4 Door SUV Turbo$2,202$714$633
Geico2WD 4 Door SUV Turbo$1,574$482$341
Farmers2WD 4 Door SUV Turbo$2,248$1,014$869
Nationwide2WD 4 Door SUV Turbo$2,776$1,043$774
Progressive2WD 4 Door SUV Turbo$1,268$385$275
State Farm2WD 4 Door SUV Turbo$2,232$801$569

2020 Bmw X1 Insurance Rates

companiesAverage Premium
State Farm$1,254
Progressive$1,333
Geico$1,359
Nationwide$1,643
Farmers$1,850
Allstate$2,529
Average Cost to Insure $1,661/year
Cheapest Rate $1,254/year
Available Trims SDrive 28i, XDrive 28i

2019 Bmw X1 Insurance Rates

companiesAverage Premium
State Farm$1,352
Geico$1,358
Nationwide$1,569
Progressive$1,656
Allstate$2,420
Farmers$2,422
Average Cost to Insure $1,796/year
Cheapest Rate $1,352/year
Available Trims SDrive 28i, XDrive 28i

2018 Bmw X1 Insurance Rates

companiesAverage Premium
State Farm$1,297
Geico$1,307
Nationwide$1,565
Progressive$1,693
Allstate$2,298
Farmers$2,353
Average Cost to Insure $1,752/year
Cheapest Rate $1,297/year
Available Trims SDrive 28i, XDrive 28i

2017 Bmw X1 Insurance Rates

companiesAverage Premium
State Farm$1,271
Geico$1,314
Nationwide$1,554
Progressive$1,675
Allstate$2,164
Farmers$2,296
Average Cost to Insure $1,712/year
Cheapest Rate $1,271/year
Available Trims SDrive 28i, XDrive 28i

2016 Bmw X1 Insurance Rates

companiesAverage Premium
Geico$1,261
State Farm$1,270
Nationwide$1,581
Progressive$1,664
Allstate$1,986
Farmers$2,274
Average Cost to Insure $1,673/year
Cheapest Rate $1,261/year
Available Trims SDrive 28i, XDrive 28i