BMW X1 2026 Car Insurance

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The 2026 BMW X1 is a premium compact SUV combining onboard technology, refined finishes, and dynamic handling. As a recent model, it appeals to urban drivers seeking versatility and prestige in a compact, practical package.

BMW X1 2026 CAR INSURANCE RATES SINCE 2025.

Since the 2026 BMW X1 is a recent model, only two years of data are available. Between 2025 and 2026, the average premium decreases from $2926 to $2437. More data will be needed to confirm a long-term trend.

To find the best insurance for your BMW X1 2026 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW X1 2026

How much does insurance for your BMW X1 2026 cost in Quebec?

Premiums are highest for the 2026 X1 in Saint-Jean-sur-Richelieu ($3485), Montreal ($3303), and Laval ($3167), while Repentigny ($1647) and Lévis ($1749) show the lowest amounts. The gap between cities exceeds $1800.

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
LAVAL	$3166.53
LÉVIS	$1749.45
MONTRÉAL	$3303.30
QUÉBEC	$3080.88
REPENTIGNY	$1646.99
SAINT-JEAN-SUR-RICHELIEU	$3484.73
SHERBROOKE	$1954.11

Frequently asked questions (FAQ)

How much does insurance cost for a 2026 BMW X1?

The average premium for a 2026 BMW X1 is $2437, down from $2926 recorded in 2025.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is required to drive a road vehicle on public roads.

Which cities offer the most affordable insurance for the 2026 X1?

Based on the data, Repentigny ($1647) and Lévis ($1749) post the lowest average premiums for this model.

Why does the X1 premium vary so much between cities?

The gap between Saint-Jean-sur-Richelieu ($3485) and Repentigny ($1647) exceeds $1800, a variation tied to traffic density, theft rates, and local claim frequency.

Has the X1 premium dropped since 2025?

Yes. The average premium fell from $2926 in 2025 to $2437 in 2026, a notable decrease over the two years of available data.

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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

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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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