2027 BMW X1: real cost in California
See the X1 on BMW's US site ↗US prices read 2026-11-09
Cheapest trim, xDrive28i · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$43,200the advertised price
Drive away$48,648with fees and tax
Loan payment$744/mo72-month loan at 7%, $5,000 down
True cost$1,355/moeverything, after resale
$48,648 to drive away + $68,671 to run it for 6 years − $19,748 back at resale = $97,570, or $1,355 a month.
Where the money goes
Drive away$48,648
Running it, 6 yrs+$68,671
Back at resale−$19,748
Sticker pricethe advertised MSRP
+$43,200Feesfreight $1,350 · doc fee $85 (typical)
+$1,435Sales and use tax, 8.99%California
+$4,013Insuranceestimate, age 35–59, California
+$17,420Fuel13,500 mi a year at 34 MPG
+$15,718Maintenanceestimate
+$12,211Lost return on your money5% a year on the down payment and each payment
+$10,241Loan interest7% over 72 months
+$9,931Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$3,150Resale after 6 years46% of MSRP, you get this back
−$19,748True cost $97,570 ÷ 72 months$1,355 a month
The car
Size and space
BodySUV177.2–177.4 in long
Seats5
CargoNot published
Engine and fuel
Engine241–312 hp premium gas, AWD
0–60 mph5.2–6.2 sBMW's figure
Fuel economy32–34 MPGEPA combined
TowingUp to 3,500 lb
Tires18" or 19"by trim
Safety and cover
Crash test4 of 5 starsNHTSA · see the test ↗
Resale at 6 years46% of MSRPaverage for its type
Every trim
All trims: AWD, 5 seats.| X1 xDrive28i | $43,200 | $48,648 | $97,570 | ✓ $1,355/mo | 3,500 | 34 MPG |
| X1 M35i | $52,400 | $58,675 | $109,309 | $1,518/mo | — | 32 MPG |
X1 xDrive28i
✓ $1,355/mo
True cost
X1 M35i
$1,518/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
X1 xDrive28i$43,200
X1 M35i$52,400
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Adaptive cruise
✓ Every trim
360° camera
+ $2,900 on every trim
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Heated steering wheel
+ $1,400 on every trim
Convenience
Push-button start
✓ Every trim
Remote start
+ $300 on every trim
Power liftgate
✓ Every trim
Wireless phone charging
✓ Every trim
Power driver's seat
✓ Every trim
Memory seat
✓ Every trim
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Built-in navigation
✓ Every trim
Premium sound system
+ $650
✓ from X1 M35i
Head-up display
+ $2,900 on every trim
Capability and looks
AWD or 4WD
✓ Every trim
Tow hitch included
+ $750
Sunroof
+ $1,400 on every trim
Panoramic roof
+ $1,400 on every trim
LED headlights
✓ Every trim
Not listed on any trimRear cross-traffic alertLane centeringHands-free drivingCooled seatsHeated rear seatsDual-zone climateMassaging seatsWireless CarPlayLarge touchscreen (12 in+)
Full standard equipment on the X1 xDrive28i (55 items)
- xDrive All-Wheel-Drive System
- 18" V-Spoke Bicolor 866 Wheels with All Season Tires
- Satin Aluminum Roof Rails
- Satin Aluminum Exterior Trim
- Power-Folding, Heated Side Mirrors
- Perforated Veganza Upholstery
- Black High Gloss Trim with Ambient Light
- Anthracite Headliner
- Veganza Dashboard
- BMW Remote Services including My BMW App, Remote Door Unlock, MyInfo, Stolen Vehicle Recovery, Remote Lights Flash / Horn Blow, And Remote C
- USB Audio Connection and Hands-Free Bluetooth Wireless Technology Including Audio Streaming
- Enhanced Roadside Assistance including BMW TeleServices
- Wireless Device Charging
- Real-Time Traffic Information, Hazard preview, BMW Remote Services Including Stolen Vehicle Recovery, Remote Door Unlock, and My BMW App. Th
- Apple Carplay and Android Auto Compatibility
- Remote Software Upgrade Capable
- Personal eSim
- SiriusXM with 1 Year Trial Subscription, Car + App
- HiFi Sound System
- Leather-wrapped Sport Steering Wheel
- My Modes offering multiple vehicle experiences including Sport, Efficient, and Personal to tailor the Driving Experience
- Dynamic Cruise Control
- Tire Pressure Monitor
- BMW Curved Display with Configurable 10.25" Instrument Cluster and 10.7'' Central Information Display
- BMW Operating System 9 Optimized for Touch and Voice Control
- Cloud-based Navigation System with Video Augmented Reality Overlay and Reoccurring Over-the-Air (OTA) Updates for Map Data
- Engine Start/Stop Button
- Tilt/Telesopic Steering Wheel Column
- Rain-Sensing Windshield Wipers with Automatic Headlight Control
- Automatic-dimming Interior Rear-view Mirror and Driver's-side Exterior Mirror
- Dual Cupholders in the Front Center Console and Rear Armrest
- 12-V power sockets
- Front-Seat Center Armrest
- Power Front Seats including Manual Headrests and Memory System for Driver's Seat and Exterior Mirror Positions
- Multi-Color, Adjustable Ambient Lighting
- Multi-stage Heated Front Seats
- Storage Compartment package
- Comfort Access Keyless Entry
- Privacy Glass
- Power Tailgate
- Power Front and Rear Windows with One-Touch Up/Down Operation
- Digital Key Plus with Setup Card
- Front and Rear Head Protection System (HPS)
- Driver's and passenger's Front Airbag Supplemental Restraint System (SRS) with Advanced Technology: Dual-Threshold, Dual-Stage Deployment; K
- Front Safety Belts with pretensioners
- Acoustic Safety-belt Warning
- Impact Sensor that Activates Battery Safety Terminal Disconnect of Alternator, Fuel pump and Starter From Battery; Automatically Unlocks Doo
- Anti-theft Alarm System
- Driving Assistant,includes Forward Collision Mitigation, Active Blind Spot Detection, Lane Keeping Assistant, Speed Limit Info, and Cross T
- Rear View Camera, Active Park Distance Control with Side Protection, Automatic Park Assistant and Back Up Assistant
- LED Daytime Running Lights
- LED Headlights
- Automatic High Beams
- Seal & Drive Tire Kit
- BMW Assist eCall includes Emergency Request (SOS button) and Enhanced Automatic Collision Notification
Recalls
4 NHTSA recalls for 2025 to 2027 X1 models. Dealers fix them free; a new car should have them done before delivery. Ask the dealer to check the VIN.
Seat belts2026 · 1,024 vehicles
The housing pin in the rear (left and/or right) seat belt retractors may have been damaged during production, resulting in the retractor not locking the seat belt as intended.Recall 25V717000 at NHTSA ↗Seat belts2025, 2026 · 1,571 vehicles
The torsion bar in both front seat belt retractors may have been damaged during production.Recall 25V616000 at NHTSA ↗Structure2025 · 3,312 vehicles
The left and right-side B-Pillar reinforcement plates may have been manufactured with insufficient structural strength.Recall 24V829000 at NHTSA ↗Electronic stability control (esc)2025 · 266,716 vehicles
BMW of North America, LLC. (BMW) is recalling certain 2023-2025 BMW, MINI, and Rolls-Royce vehicles.Recall 24V104000 at NHTSA ↗Quick answers
- How much is a 2027 X1 in California?
- $48,648 to drive away for the X1 xDrive28i, from a $43,200 sticker.
- What does it cost a month?
- A $744 loan payment, about $1,418 a month with insurance, fuel and upkeep ($5,000 down); about $1,355 a month all in, after resale.
- How much can it tow?
- 3,500 lb for the X1 xDrive28i; 0 lb for every other trim.
Similar SUVs
US prices in US dollars from BMW's US website, read 2026-11-09; destination as the brand lists it. Taxes, registration and the dealer doc fee follow your state. Insurance and maintenance are estimates. How we count.