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BMW X4 Car Insurance Cost

Securing insurance for a BMW X4 usually costs around $2,153 per year through New Jersey Manufacturers. However, the final price can fluctuate depending on factors such as your age, the model year of the car, and other relevant considerations. You can utilize the quote tables below to estimate the specific cost tailored to your circumstances.

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Updated: 13 October 2024

Written by Bob Phillips

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If you’re considering purchasing a BMW X4, it’s important to factor in the cost of insurance. Insurance plays a significant role in car ownership, and it’s essential to understand the financial commitment before making a decision.

Choosing the right car insurance is crucial to prevent unexpected and potentially costly surprises in the future. It’s important to have adequate coverage in case of an accident to avoid hefty out-of-pocket expenses. Additionally, being responsible for an accident could lead to higher premiums.

Based on my decade-long experience studying car insurance rates, I’ve noticed how much these costs can vary. Your age, driving history, and location are all key factors that can affect your insurance premiums.

How Much Does BMW X4 Car Insurance Cost?

Usually, New Jersey Manufacturers offers the most favorable option, charging approximately $2,153 per year for comprehensive insurance on a 2024 BMW X4.

While New Jersey Manufacturers’ rate provides a useful benchmark, it’s important to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, car age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, but a history of accidents or traffic violations can increase your rates.

Additionally, living in a busy urban area typically leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium – comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.

At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal.

2024 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Erie	$7,187
New Jersey Manufacturers	$2,153
USAA	$6,649
State Farm	$5,434
Mercury	$5,524
Unitrin	$7,463
Nationwide	$6,248
Allstate	$7,790
Penn National	$4,447
Travelers	$4,673

2023 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Grange Mutual	$2,057
SECURA Insurance	$1,477
Auto-Owners Insurance Co	$1,710
Allied	$2,508
Country	$1,818
Mercury	$2,180
California Capital	$2,577
Farmers	$2,494
Plymouth Rock	$1,539
New York Central Mutual Fire	$1,444

2022 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Buckeye Insurance Group	$1,630
Penn National	$1,528
Safeco	$617
Auto-Owners Insurance Co	$1,632
Atlantic States Insurance	$1,565
SECURA Insurance	$1,439
Virginia Farm Bureau	$1,161
Mercury Insurance	$1,117
North Carolina Farm Bureau	$1,650
Texas Farm Bureau Group	$740

2021 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Grange Mutual	$1,569
SECURA Insurance	$1,363
New York Central Mutual Fire	$1,434
Auto-Owners Insurance Co	$1,475
Penn National	$1,617
Pekin Insurance	$916
Hastings Mutual Insurance Co	$1,554
Country	$1,579
Rockford Mutual Insurance	$1,469
Kemper Auto \| Infinity	$1,571

2020 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
North Carolina Farm Bureau	$1,235
Plymouth Rock Assurance	$1,709
New York Central Mutual Fire	$1,534
Norfolk and Dedham Group	$1,770
Penn National	$1,938
Auto-Owners Insurance Co	$1,749
Capital Insurance Group	$1,919
Country	$1,844
Safety Group	$1,655
SECURA Insurance	$1,525

2019 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Safeco	$487
Mercury Insurance Company	$1,776
Ohio Mutual Ins Group	$1,704
Frankenmuth Mutual	$1,552
Hastings Mutual Insurance Co	$843
American Family	$1,652
Cincinnati Insurance	$1,684
Grange Mutual	$1,354
Western Reserve	$1,607
Buckeye Insurance Group	$1,319

2018 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Safeco	$420
Liberty Mutual	$945
New Jersey Manufacturers	$1,498
Clearcover	$1,239
Country	$1,537
Utica National Ins Group	$1,028
Allied	$1,354
North Carolina Farm Bureau	$1,339
Titan	$1,242
Auto-Owners Insurance Co	$1,512

2017 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Allied	$2,533
Plymouth Rock Assurance	$2,016
Norfolk and Dedham Group	$1,745
Safety Group	$1,865
ACE American Pool	$2,239
National Grange Mutual	$2,503
Mercury	$1,544
Mercury Insurance	$1,879
Quincy Mutual	$2,289
National General	$1,979

2016 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
Buckeye Insurance Group	$662
Clearcover	$1,619
Frankenmuth Mutual	$1,789
Pekin Insurance	$1,677
Celina Insurance Group	$1,787
Western Reserve	$1,393
SECURA Insurance	$1,327
Country	$1,615
Dairyland	$1,642
NatGen Value	$1,772

2015 BMW X4 Insurance Rates

Insurance Provider	Average Annual Cost
New York Central Mutual Fire	$734
Dairyland FR Bond	$797
Safeco	$192
North Carolina Farm Bureau	$1,253
Travelers	$1,341
Erie	$1,113
National General	$1,426
Clearcover	$1,042
GMAC Insurance Group	$1,309
NatGen PPA	$1,294

Compare BMW X4 To Other BMW Models

Looking for other BMW model insurance costs?

Our Methodology

To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

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Quotes Analyzed

Brands Reviewed

40+

Research Hours

15+

Years Of Experience