BMW X1 Insurance: by Model Year & Company
BMW X1 insurance costs an average of $1,030 for a 6-month full coverage policy. American Family offers the cheapest rate for the latest BMW X1 at $162/mo or $971 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a BMW X1:
- The X1 costs less to insure than most SUVs. Averaging $172/mo for the X1 versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the X1, like the BMW 1 Series ($138/mo), BMW 6 Series ($248/mo), or BMW 7 Series ($304/mo), your insurance costs will be about the same.
- American Family ($132/mo), Progressive ($135/mo), USAA ($151/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,942 |
| Nationwide |
$1,943 |
| Progressive |
$1,984 |
| State Farm |
$2,161 |
| USAA |
$2,371 |
| Erie |
$2,498 |
| GEICO |
$2,747 |
| Farmers |
$3,556 |
| Allstate |
$4,375 |
Compare all 2025 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,6772024 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,877 |
| Progressive |
$1,960 |
| Nationwide |
$1,988 |
| State Farm |
$2,089 |
| USAA |
$2,352 |
| Erie |
$2,418 |
| GEICO |
$2,642 |
| Farmers |
$3,361 |
| Allstate |
$4,109 |
Compare all 2024 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,5922023 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,840 |
| Progressive |
$1,922 |
| Nationwide |
$2,004 |
| State Farm |
$2,126 |
| USAA |
$2,348 |
| Erie |
$2,354 |
| GEICO |
$2,532 |
| Farmers |
$3,209 |
| Allstate |
$3,328 |
Compare all 2023 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,4432022 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,670 |
| American Family |
$1,734 |
| State Farm |
$1,856 |
| USAA |
$2,061 |
| Nationwide |
$2,121 |
| Erie |
$2,250 |
| GEICO |
$2,368 |
| Farmers |
$2,852 |
| Allstate |
$3,390 |
Compare all 2022 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,3002021 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,617 |
| American Family |
$1,638 |
| State Farm |
$1,861 |
| USAA |
$1,969 |
| Erie |
$2,139 |
| Nationwide |
$2,153 |
| GEICO |
$2,283 |
| Farmers |
$2,769 |
| Allstate |
$3,263 |
Compare all 2021 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,2362020 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,559 |
| American Family |
$1,577 |
| State Farm |
$1,836 |
| USAA |
$1,878 |
| Nationwide |
$2,043 |
| Erie |
$2,110 |
| GEICO |
$2,194 |
| Farmers |
$2,624 |
| Allstate |
$2,920 |
Compare all 2020 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,1182019 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,504 |
| American Family |
$1,541 |
| USAA |
$1,778 |
| State Farm |
$1,821 |
| Erie |
$1,943 |
| GEICO |
$2,083 |
| Nationwide |
$2,097 |
| Farmers |
$2,524 |
| Allstate |
$2,975 |
Compare all 2019 BMW X1 insurance rates.
Average Cost to Insure Per Year
$2,0732018 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,516 |
| American Family |
$1,528 |
| USAA |
$1,604 |
| State Farm |
$1,767 |
| Erie |
$1,807 |
| GEICO |
$2,027 |
| Nationwide |
$2,067 |
| Farmers |
$2,409 |
| Allstate |
$2,722 |
Compare all 2018 BMW X1 insurance rates.
Average Cost to Insure Per Year
$1,9802017 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,442 |
| USAA |
$1,519 |
| Progressive |
$1,550 |
| State Farm |
$1,714 |
| Erie |
$1,760 |
| GEICO |
$2,003 |
| Nationwide |
$2,044 |
| Farmers |
$2,385 |
| Allstate |
$2,408 |
Compare all 2017 BMW X1 insurance rates.
Average Cost to Insure Per Year
$1,9092016 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,431 |
| USAA |
$1,552 |
| Progressive |
$1,568 |
| State Farm |
$1,663 |
| Erie |
$1,738 |
| Nationwide |
$1,968 |
| GEICO |
$1,971 |
| Allstate |
$2,266 |
| Farmers |
$2,340 |
Compare all 2016 BMW X1 insurance rates.
Average Cost to Insure Per Year
$1,8692015 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,373 |
| American Family |
$1,375 |
| USAA |
$1,412 |
| Erie |
$1,541 |
| State Farm |
$1,597 |
| GEICO |
$1,845 |
| Nationwide |
$1,925 |
| Allstate |
$2,185 |
| Farmers |
$2,190 |
Compare all 2015 BMW X1 insurance rates.
Average Cost to Insure Per Year
$1,7542014 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,341 |
| USAA |
$1,347 |
| Progressive |
$1,354 |
| Erie |
$1,455 |
| State Farm |
$1,629 |
| GEICO |
$1,783 |
| Nationwide |
$1,843 |
| Farmers |
$2,095 |
| Allstate |
$2,123 |
Compare all 2014 BMW X1 insurance rates.
Average Cost to Insure Per Year
$1,7032013 BMW X1
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,301 |
| USAA |
$1,306 |
| Erie |
$1,411 |
| Progressive |
$1,444 |
| State Farm |
$1,564 |
| GEICO |
$1,726 |
| Nationwide |
$1,930 |
| Farmers |
$2,031 |
| Allstate |
$2,151 |