Compare BMW 1 Series car insurance in the UK

When calculating premiums, insurers examine these major risk factors:

Driving record

Recent accidents, convictions, disqualifications and other violations raise rates substantially, so maintaining a clean record is important.

Vehicle use

Daily-driver policies for a BMW 1 Series cost more than those covering occasional or recreational use. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for alarms, immobilisers, tracking devices and secure garaging. These security measures deter theft and damage.

Coverage limits

Lower coverage levels mean lower premium costs but leave drivers exposed when filing a major claim. You could also increase your voluntary excess levels to over £500 if you can afford the costs when making a claim.

Consider the following before purchasing your car, as these factors significantly increase your premiums: 

• Engine size: larger engines such as the 2.0-litre model have higher premiums than smaller 1.5-litre variants
• Performance versions: M Sport and M Performance models command higher premiums than standard editions
• Driver age: under-25s can pay over £2,400 for BMW 1 Series insurance annually. Rates tend to decrease with age and experience
• Location: inner cities have higher premiums than rural areas. Where the BMW 1 Series is parked also matters
• Security: alarms, immobilisers and secure garaging help reduce premiums