BMW X1 insurance group
Quick answer
The BMW X1 typically sits in insurance group 21–36 on the UK's 1–50 scale, depending on trim and engine. See the exact variant breakdown and a typical cost estimate below.
BMW
BMW X1
Insurance group
21–36
Medium band
This is a typical range for the BMW X1, because the exact group depends on the specific trim, engine and year — see the variant table below. Ratings follow the ABI/Thatcham Group Rating Panel 1–50 scale.
Typical annual premium*
£660–£1030
*Estimate only, not a quote. Based on a group-29 car, driver 30–49, medium-risk postcode, comprehensive cover. How we calculate this.
Groups by variant
| Variant | Fuel | Group |
|---|---|---|
| sDrive18i Sport | Petrol | 23E |
| xDrive23i M Sport | Petrol | 29E |
| M35i xDrive | Petrol | 34E |
Why the BMW X1's group varies by trim
Insurance groups are assessed per derivative, not per model name — engine size, power, standard safety and security equipment and repair cost all move the number. That's why the BMW X1 spans a range rather than a single group; a base petrol trim and a higher-powered version of the same car can sit several groups apart. Our figures are typical ranges researched from public Thatcham/ABI Group Rating Panel information — for the exact group tied to your own registration, use the insurance group checker above. Some variants above show a letter after the number (like 23E) — that flags the specific derivative the rating applies to; see our group letters explained guide.
How much does it cost to insure a BMW X1?
Because the range spans groups 21 to 36, there is no single BMW X1 insurance cost — there is a band. Our estimates put the entry versions at around £650 a year for a driver aged 30–49 on comprehensive cover, rising to roughly £975 for the highest-rated derivative. That spread is unusually wide, and it is the single most important thing to know before you buy one: the trim decides the premium far more than the badge does.
So how much is BMW X1 insurance for a younger driver? A good deal more: the entry trim works out at about £1,755 a year at 17–20 on the same assumptions. And how much to insure a BMW X1 in your own case depends on far more than the car, so treat these as a way to compare this model against others rather than as the BMW X1 insurance quote you will be offered.
Two things genuinely reduce what you pay. The first is trim choice — the cheapest route to cheap BMW X1 car insurance is the lowest-rated engine in the range, not a higher trim with a bigger discount attached. The second is everything on your side of the quote: a year of no-claims, an accurate mileage figure, a sensible excess and paying annually all move the number. How much is a BMW X1 to insure in the end comes down to both halves, and only one of them is fixed on the day you buy.
To put that in context, see what insurance group 29 costs across age bands, or compare the whole scale in the insurance group prices table. If the premium is what is driving your choice, our guide to lowering your car insurance costs covers the levers that work once the car is already yours.
Compare with similar cars
If you're cross-shopping the BMW X1, these similar-segment cars are worth a look too:
- Ford EcoSport — typically groups 11–19
- Vauxhall Crossland — typically groups 10–18
- Seat Arona — typically groups 10–19
- Nissan Qashqai — typically groups 13–26
See where group 29 sits on the full 1–50 insurance groups list, read what insurance group 29 means in cost terms, or find out how these ratings are decided in the first place.
Compare across the BMW range and this segment
Frequently asked questions
What insurance group is a X1?
The BMW X1 spans roughly groups 21–36 depending on trim and engine, from the sDrive18i Sport (group 23E) up to the M35i xDrive (group 34E). The exact group for your specific reg may differ — check it with our reg checker above.
Is this the exact BMW X1 you're looking at?
Trim and engine change the group, so check the specific car by registration — it takes seconds, needs no signup, and we don't store your reg.
Check my insurance group →Sources & further reading
- Thatcham Research — The motor insurers' automotive research centre. Co-runs the Group Rating Panel that sets UK insurance groups, and publishes the Vehicle Risk Rating (VRR) framework.
- Association of British Insurers (ABI) — The trade body for UK insurers. Co-runs the Group Rating Panel behind the 1–50 insurance group scale.
- DVLA — Get vehicle information — The official GOV.UK service for vehicle details by registration. Our checker uses the DVLA's Vehicle Enquiry Service API, the same underlying record.