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BMW X1 2023 Car Insurance

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The 2023 BMW X1 is a premium compact SUV combining road comfort, advanced tech, and a dynamic look. Ideal for both city driving and getaways, it appeals to drivers seeking prestige in a practical, versatile package.

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

Between 2022 and 2026, the average premium for the 2023 BMW X1 fluctuates, rising from $1323 to a peak of $1901 in 2024 before dropping to $1310 in 2026. This variation reflects market adjustments rather than a linear trend.

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

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

Premiums for the 2023 BMW X1 are highest in Montreal ($2329) and Longueuil ($1755), while Drummondville ($1111) and Terrebonne ($1121) show the lowest amounts. The gap between cities remains substantial.

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 $1301.74
GATINEAU $1750.29
LAVAL $1509.18
LONGUEUIL $1755.17
MONTRÉAL $2084.82
QUÉBEC $1341.94
REPENTIGNY $1350.30
SHERBROOKE $1333.77
TERREBONNE $1120.52
TROIS-RIVIÈRES $1565.24

Frequently asked questions (FAQ)

How much does insurance cost for a 2023 BMW X1?
The average premium for a 2023 BMW X1 varies by reference year, ranging from $1323 in 2022 to $1901 in 2024, with a drop to $1310 in 2026 based on available data.
Does the X1 2023 premium keep rising?
No. The data shows an increase through 2024 ($1901), followed by a notable decrease to $1832 in 2025 and $1310 in 2026, indicating fluctuation rather than a linear trend.
Which city offers the lowest insurance cost for the 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 X1?
In Montreal, the average premium reaches $2329, notably higher than other cities, due to traffic density and higher claim frequency in urban areas.
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.
What factors influence the premium for a BMW X1?
The vehicle's premium classification, parts costs, replacement value, and theft or vandalism frequency by city all directly influence the insurance premium.
How can I lower my premium for a BMW X1?
Comparing quotes from several insurers, bundling auto and home policies, and maintaining a clean driving record are effective ways to reduce the premium.

Offers received by our customers on BMW X1 2023 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: 08/13/2026

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