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BMW X1 Car Insurance

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The BMW X1 is a premium compact SUV that combines urban agility, advanced onboard technology, and upscale finishing. It appeals to drivers seeking the Bavarian brand's prestige in a practical format suited for both city and highway driving.

BMW X1 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW X1 fluctuate significantly, dropping from $4153 in 2021 to $1318 in 2023, before gradually rising to $1652 in 2025 and $1644 in 2026. After a sharp initial decline, costs appear to be stabilizing around $1600 to $1650.

To find the best insurance for your BMW X1 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW X1 cost in Quebec?

The highest BMW X1 premiums are found in Montreal ($2244), Quebec City ($2020), and Saint-Jean-sur-Richelieu ($2098), while Terrebonne ($1147), Drummondville ($1152), and Lévis ($1181) show the lowest amounts. The gap between the most affordable and most expensive cities exceeds $1000.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
BROSSARD $1246.32
DRUMMONDVILLE $1362.20
GATINEAU $1630.60
LAVAL $1974.54
LÉVIS $1181.06
LONGUEUIL $1749.46
MONTRÉAL $2282.56
QUÉBEC $2069.48
REPENTIGNY $1559.93
Saguenay $1243.98
SAINT-JEAN-SUR-RICHELIEU $2097.83
SAINT-JÉRÔME $1387.52
SHERBROOKE $1545.55
TERREBONNE $1147.12
TROIS-RIVIÈRES $1361.20

Frequently asked questions (FAQ)

How much does it cost to insure a BMW X1?
The average premium for a BMW X1 has fluctuated significantly, reaching $1652 in 2025 and $1644 in 2026, following a sharp decline from $4153 recorded in 2021.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why has the BMW X1 premium varied so much since 2021?
The premium dropped from $4153 in 2021 to $1318 in 2023, a significant gap that may reflect changes in available data or insured profiles, before gradually rising to $1644 by 2026.
Which cities offer the lowest insurance cost for a BMW X1?
Based on the data provided, Terrebonne ($1147), Drummondville ($1152), and Lévis ($1181) post the lowest average premiums for this vehicle.
Why does Montreal show a higher premium for the BMW X1?
With an average premium of $2244, Montreal stands out as the most expensive city, driven by urban density, traffic volume, and higher claim frequency in dense areas.
What factors influence the premium for a BMW X1?
Parts costs, the vehicle's replacement value, and its classification as a premium SUV play a significant role in setting premiums, which also vary depending on the city of residence.
How can I get the best premium for a BMW X1?
Comparing quotes from several insurers remains the most effective approach, especially given the significant gap observed between cities, ranging from $1147 to over $2244.

Offers received by our customers on BMW X1 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/08/2026