BMW 4 Series Insurance Cost


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Key Takeaways

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State Farm has the most affordable minimum coverage across all BMW 4 Series model years, costing $473 annually.

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For a BMW 4 Series, the average annual insurance cost is $558 for minimum coverage and $1,895 for full coverage.

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To provide these insights, MoneyGeek analyzed data and 2,390 quotes for a BMW 4 Series from Quadrant Information Services.

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BMW 4 Series Insurance Rates

The annual full coverage car insurance cost for a BMW 4 Series ranges from $1,358 to $8,318. Rates vary widely due to model year, age, location, driving history, coverage level and insurer. This MoneyGeek article breaks down BMW 4 Series insurance costs and explores the best companies and cheapest insurers.

What Is the Average BMW 4 Series Car Insurance Cost?

BMW 4 Series insurance costs an average of $158 per month or $1,895 per year for full coverage, based on a 40-year-old male driver with a clean record. For minimum coverage, the average cost is $47 per month or $558 per year.

Minimum Coverage$558
Full Coverage$1,895

BMW 4 Series Insurance Costs by Company

BMW 4 Series insurance costs range from $1,431 to $2,709 annually, influenced by age, model year and coverage level. The table below compares these rates with average insurance costs for all vehicles from several national and mid-size providers.

Allstate$2,496$1,80538%
Auto-Owners$1,557$1,22427%
Farmers$2,400$1,95123%
GEICO$1,831$1,32838%
Kemper$2,709$2,20723%
Nationwide$1,872$1,58518%
Progressive$2,195$1,73926%
State Farm$1,687$1,26533%
Travelers$1,825$1,51820%
USAA$1,431$1,19719%

Cost of Insuring a BMW 4 Series by Model Year

Your BMW 4 Series' production year can affect your insurance rates, with older models often being cheaper to insure. For example, full coverage for a 2015 model costs $1,765 annually, while a 2022 model averages $2,034. Below are the average rates for full and minimum coverage by model year.

2022$563$2,034
2021$563$2,003
2020$546$1,959
2019$577$1,924
2018$583$1,879
2017$558$1,842
2016$580$1,803
2015$577$1,765

BMW 4 Series Insurance Costs by Driver Age

Insurance rates for a BMW 4 Series vary significantly by age. A 16-year-old driver might pay about $8,318 annually for full coverage, while a 40-year-old pays around $1,901. Below is a breakdown of average full and minimum coverage rates for different age groups.

16$2,599$8,318
17$2,131$6,803
18$1,861$6,001
19$1,327$4,306
20$1,191$3,916
21$944$3,157
22$863$2,906
23$799$2,709
24$757$2,574
25$666$2,287
26$649$2,217
27$633$2,166
28$622$2,130
29$613$2,099
30$591$2,015
35$575$1,943
40$569$1,901
45$563$1,870
50$549$1,807
55$534$1,752
60$535$1,747
65$571$1,779
70$620$1,902
75$689$2,088
80$779$2,320
85$842$2,492
90$888$2,611

BMW 4 Series Insurance Rates Explained

Several factors affect a driver's car insurance rates based on their profiles. However, insurers also consider factors tied to your vehicle. Below, we break down vehicle-related cost factors, including make, model, age and safety features.

BMW 4 Series Rates vs. National Average

car2
All Vehicles

Average Full Coverage Rate

$1,296
car2
BMW 4 Series

Average Full Coverage Rate

$1,895
Premiums for BMW 4 Series are:$599 more

This is 46% more expensive.

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    Value

    The BMW 4 Series' MSRP of $69,545 classifies it as a luxury car, raising insurance costs as it's more expensive to repair or replace.

    excellentCredit icon

    Performance

    The BMW 4 Series' 0-to-60 time of 3.8 seconds and 255 to 382 horsepower make it a high-performance vehicle. This can increase insurance costs, as insurers associate high performance with risky behavior.

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    Vehicle age

    Newer cars like the BMW 4 Series are typically more expensive to insure than older vehicles. However, collector and classic vehicles can be very expensive to insure.

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    Vehicle size

    Larger vehicles are more expensive to insure due to increased property damage risk. The BMW 4 Series, with a max curb weight of 4,292 lbs, may cost more to insure than smaller vehicles.

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    Trim level

    Higher trim levels of the BMW 4 Series often include premium upgrades, which increase the vehicle's MSRP. As a result, these trims generally cost more to insure than the base model.

Cheapest BMW 4 Series Insurance

State Farm offers the cheapest minimum coverage for a BMW 4 Series at $473 annually, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable insurance rates for BMW 4 Series drivers across coverage levels, age groups, driving records, model years and more.

Cheapest BMW 4 Series Insurance by Coverage Level

The coverage you choose greatly affects your BMW 4 Series insurance rates. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest provider for both coverage types.

Cheapest BMW 4 Series Minimum Coverage

State Farm offers the cheapest minimum coverage for BMW 4 Series owners at $39 monthly. Other competitive options include GEICO at $41, Travelers at $46 and Farmers at $49.

USAA$32$380
State Farm$39$473
GEICO$41$487
Travelers$46$551
Farmers$49$594
Allstate$53$634
Nationwide$55$658
Progressive$59$708

*State Farm offers the lowest average minimum coverage insurance rate for non-military-affiliated BMW 4 Series owners. USAA is the most affordable option for military-affiliated drivers.

Best BMW 4 Series Insurance Rates by Model Year

The list above doesn't factor in the model's production year, meaning older BMW 4 Series models may have lower insurance rates. Use the table below to filter by production year and find the cheapest minimum coverage rates for your vehicle.

Data filtered by:Results filtered by:
Select
Model Year:2015
Allstate$638$53
Farmers$586$49
GEICO$508$42
Nationwide$631$53
Progressive$759$63
State Farm$498$42
Travelers$589$49
USAA$374$31

*USAA is available only to military veterans, active service members and their families.

Cheapest Full Coverage BMW 4 Series Insurance

State Farm offers the cheapest full coverage insurance for a BMW 4 Series, with rates starting at $135 monthly or $1,622 annually. Below is the full list of providers and rates for full coverage car insurance.

USAA$113$1,358
State Farm$135$1,622
Nationwide$145$1,740
GEICO$146$1,752
Travelers$149$1,791
Progressive$177$2,123
Farmers$184$2,203
Allstate$197$2,370

*On average, State Farm is the cheapest insurer for non-military-affiliated BMW 4 Series owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.

Cheapest BMW 4 Series Insurance by Age

Younger drivers aged 16 to 25 and seniors aged 55 and up pay more for BMW 4 Series insurance. Below is a breakdown of the cheapest insurance options by age.

Cheapest BMW 4 Series Insurance for Young Drivers

Young drivers aged 16 to 25 can find the cheapest BMW 4 Series insurance with State Farm, averaging $87 monthly or $1,040 annually for minimum coverage. Below is the complete list of affordable rates for young drivers.

USAA$65$781
State Farm$87$1,040
Travelers$95$1,143
GEICO$96$1,150
Allstate$118$1,413
Farmers$134$1,613
Nationwide$145$1,738
Progressive$174$2,084

*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.

Cheapest BMW 4 Series Insurance for Seniors

State Farm offers the cheapest car insurance for seniors 55 and up, starting at $43 monthly or $521 annually. Check the full list of affordable BMW 4-series insurers below:

USAA$42$502
State Farm$43$521
GEICO$48$580
Travelers$55$660
Allstate$64$762
Nationwide$64$773
Farmers$68$818
Progressive$72$868

*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.

Cheapest BMW 4 Series Insurance After an Accident

For BMW 4 Series drivers, State Farm, GEICO and Travelers are the most affordable car insurance providers after an accident. See the complete list below.

USAA$48$574
State Farm$49$594
GEICO$64$766
Travelers$65$780
Allstate$71$857
Nationwide$84$1,011
Progressive$97$1,160
Farmers$103$1,234

BMW 4 Series Insurance Cost: Bottom Line

Make it a habit to compare rates from various providers to secure the most affordable car insurance. This article provides an in-depth look at BMW 4 Series insurance, including costs across multiple demographic groups and insights into the cheapest providers.

BMW 4 Series Insurance Rates: FAQ

Below are answers to frequently asked questions about BMW 4 Series insurance costs, including details on minimum coverage and affordable plans.

What company has the cheapest car insurance for a BMW 4 Series?

What is the average cost of car insurance for a BMW 4 Series?

BMW 4 Series Insurance Ratings: Our Review Methodology

MoneyGeek analyzed data and 2,390 quotes for a BMW 4 Series from Quadrant Information Services.

Drivers and Cars

MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a BMW 4 Series:

  • 40-year-old male
  • Clean driving record
  • 12,000 miles driven annually

We also modified the sample driver profile to determine BMW 4 Series insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016
  • 2017
  • 2018
  • 2019
  • 2020
  • 2021
  • 2022

If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your BMW 4 Series.

Coverage Levels

Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.

MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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