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BMW X1 Car Insurance

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The BMW X1 is a compact luxury SUV combining urban agility with high-end onboard technology. Ideal for drivers seeking a versatile, refined vehicle, it blends comfort, practicality, and prestige in an accessible format.

BMW X1 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the BMW X1 fluctuate, rising from $1356 to $1652 in 2025 before easing slightly to $1619 in 2026. Despite a slight dip in 2023, the overall trend remains upward over the observed period.

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?

Premiums for the BMW X1 are highest in Montreal ($2222), Saint-Jean-sur-Richelieu ($2098), and Quebec City ($2069), while Terrebonne ($1147), Lévis ($1164), and Saguenay ($1244) show the lowest amounts. The gap between these cities exceeds $1000, reflecting significant geographic variation.

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 $1245.94
DRUMMONDVILLE $1388.31
GATINEAU $1554.49
LAVAL $1939.87
LÉVIS $1272.11
LONGUEUIL $2122.06
MONTRÉAL $2067.76
QUÉBEC $2101.38
REPENTIGNY $1102.56
Saguenay $1243.98
SAINT-JEAN-SUR-RICHELIEU $1880.06
SAINT-JÉRÔME $1227.90
SHERBROOKE $1545.55
TERREBONNE $1981.00
TROIS-RIVIÈRES $1460.94

BMW X1 average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
BMW X1 2026 $2446.60
BMW X1 2025 $2326.91
BMW X1 2024 $2248.22
BMW X1 2023 $1742.44
BMW X1 2022 $1513.80
BMW X1 2021 $1651.02
BMW X1 2020 $1549.08
BMW X1 2019 $1534.99
BMW X1 2018 $1442.43
BMW X1 2017 $1255.73
BMW X1 2016 $1313.66
BMW X1 2015 $1274.17
BMW X1 2014 $1287.66
BMW X1 2013 $1257.35
BMW X1 2012 $1123.90

Frequently asked questions (FAQ)

How much does insurance cost for a BMW X1?
The average premium for a BMW X1 reached $1652 in 2025, before easing slightly to $1619 in 2026, based on the available data.
Have BMW X1 premiums changed much since 2021?
Yes. The average premium rose from $1356 in 2021 to $1619 in 2026, with a temporary dip in 2023 ($1318), reflecting some volatility over the period.
Which city offers the lowest insurance cost for a BMW X1?
Based on the data provided, Terrebonne ($1147), Lévis ($1164), and Saguenay ($1244) post the lowest average premiums for this vehicle.
Why is Montreal's premium higher for the BMW X1?
With an average premium of $2222, Montreal reflects high urban density, heavy traffic volume, and greater claim frequency than less populated 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?
Its status as a luxury SUV, parts costs, engine power, and replacement value all contribute to a premium generally higher than that of a mainstream SUV.
How can I reduce my BMW X1 insurance premium?
Comparing quotes from several insurers, bundling policies, and selecting coverage suited to your profile remain the most effective ways to lower the cost.

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: 08/13/2026

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