BMW X1 2023 Car Insurance

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The 2023 BMW X1 is a compact luxury SUV combining refined comfort, advanced technology, and dynamic handling. It suits urban drivers looking for a versatile, premium-feeling vehicle without the bulk of a larger SUV.

BMW X1 2023 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2022 and 2026, premiums for the 2023 BMW X1 fluctuate, rising from $1323 to a peak of $1901 in 2024, then dropping to $1305 in 2026. This variation reflects market adjustments rather than a steady linear trend.

To find the best insurance for your BMW X1 2023 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW X1 2023

How much does insurance for your BMW X1 2023 cost in Quebec?

Premiums are highest in Montreal ($2255) and Trois-Rivières ($1959), while Drummondville ($1111) and Terrebonne ($1121) show the lowest amounts. The gap between the extreme cities exceeds $1100.

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	$1110.71
GATINEAU	$1750.29
LAVAL	$1502.17
LONGUEUIL	$1755.17
MONTRÉAL	$2328.84
QUÉBEC	$1341.94
REPENTIGNY	$1350.30
SHERBROOKE	$1333.77
TERREBONNE	$1120.52
TROIS-RIVIÈRES	$1958.73

Frequently asked questions (FAQ)

How much does it cost to insure a 2023 BMW X1?

The average premium for a 2023 BMW X1 varies by year, ranging from $1305 to $1901 between 2022 and 2026, with a peak of $1901 recorded in 2024.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Which cities offer the lowest insurance cost for a 2023 BMW X1?

Based on the data provided, Drummondville ($1111) and Terrebonne ($1121) post the lowest average premiums for this model.

Why does Montreal show the highest premium for the 2023 X1?

With an average of $2255, Montreal stands out significantly from other cities, likely due to traffic density and higher claim frequency in urban areas.

Has the premium for the X1 2023 fluctuated much over time?

Yes. It rose from $1323 in 2022 to a peak of $1901 in 2024, then dropped to $1305 in 2026, showing fluctuation rather than a steady trend.

What factors influence the premium for a luxury SUV like the X1?

Parts costs, vehicle classification, and higher replacement value generally contribute to premiums that exceed those of mainstream vehicles.

AUDI
Q3

MERCEDES
GLA

VOLVO
XC40

LEXUS
UX

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

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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