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BMW X1 2012 Car Insurance

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The 2012 BMW X1 is a premium compact SUV combining urban agility with the refined finish typical of the German brand. It appeals to drivers seeking a versatile, nimble vehicle with a sportier character than the average compact SUV.

BMW X1 2012 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the 2012 BMW X1 fluctuate rather than follow a linear trend, moving from $761 in 2021 to a peak of $1181 in 2023, then dropping to $949 in 2025 before rising again to $1119 in 2026. These variations reflect the vehicle's age and shifts in the insurance market rather than a steady increase.

To find the best insurance for your BMW X1 2012 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW X1 2012 cost in Quebec?

Premiums vary considerably by city for the 2012 BMW X1: Drummondville shows the highest amount ($1800), followed by Laval ($1475) and Montréal ($1200), while Saguenay stands out with a notably lower premium ($289). Québec ($1134) and Sherbrooke ($1123) fall in a mid-range bracket.

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
DRUMMONDVILLE $1800
LAVAL $1475.32
MONTRÉAL $1199.72
QUÉBEC $1133.87
Saguenay $288.85
SHERBROOKE $1122.7

Frequently asked questions (FAQ)

How much does insurance cost for a 2012 BMW X1?
The average premium for a 2012 BMW X1 has ranged between $761 and $1181 depending on the year, reaching $1119 in 2026. These amounts also depend on the city and the driver's profile.
Why does the premium for the 2012 BMW X1 fluctuate so much year to year?
Rather than a steady increase, the premium oscillates between $761 and $1181 over the observed period, which may reflect changes in repair costs, the vehicle's residual value, and insurance market conditions.
Which city offers the lowest insurance cost for a 2012 BMW X1?
Based on the data provided, Saguenay shows the lowest premium at $289, a marked difference compared to Drummondville, where the premium reaches $1800.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.
Does the vehicle's age affect the insurance premium?
Yes. A 2012 vehicle like the X1 may benefit from lower premiums due to reduced replacement value, though brand-specific parts costs can still play a role.
How can the premium gap between Drummondville and Saguenay be explained?
Factors such as claim frequency, traffic density, and local claim patterns can help explain such a marked difference between $1800 in Drummondville and $289 in Saguenay.
How can I reduce my premium for a 2012 BMW X1?
Comparing quotes from several insurers, adjusting deductibles, and bundling auto and home insurance are effective ways to reduce the insurance cost for this vehicle.

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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: 08/13/2026

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