BMW M4 Car Insurance Cost 2025
The average cost of insuring a BMW M4 is $3,637 per year. However, the actual amount may vary based on factors such as your age, driving history, location, and the car model year. To get a personalized estimate, you can refer to our quote tables, which provide tailored insights based on specific variables.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a BMW M4, one important factor to consider is the cost of insurance. Insurance plays a significant role in car ownership, and it’s crucial to understand the financial commitment before making your decision. On average, insurance for a BMW M4 costs $3,637 per year.
Selecting the right car insurance is vital to prevent unexpected and potentially costly surprises down the road. It’s essential to have adequate coverage in the event of an accident to avoid substantial out-of-pocket expenses. Moreover, being found at fault in an accident could lead to higher premiums.
Based on my experience of over a decade studying car insurance rates, I’ve noticed how much these expenses can vary. Your age, driving history, and location are all major factors that can influence your insurance premiums.
How Much Does A BMW M4 Car Insurance Cost?
On average, BMW M4 drivers can expect to pay approximately $3,637 per year for car insurance.
Insurance premiums for a BMW M4 can vary widely based on several factors, including your location, driving history, the model year of your car, and the coverage options you select. Maintaining a clean driving record can help reduce premiums, while accidents or traffic violations typically increase costs. Urban areas with heavy traffic often have higher rates than rural locations with less congestion. Comprehensive coverage, which includes collision and other protections, generally costs more than minimum liability coverage.
The average cost of insuring a BMW M4 is higher compared to the average cost for all BMW models and all cars. Insuranceopedia can help you compare quotes from various providers to ensure you find the most competitive rates for your needs.
| Vehicle | Average Monthly Premium |
| BMW M4 | $267 |
| All BMWs | $206 |
| All Cars | $175 |
Average Insurance Cost Of BMW M4 By Model Year
| Model Year | Average Premium |
| 2024 BMW M2 | $4,062 |
| 2023 BMW M2 | $3,245 |
| 2022 BMW M2 | $2,950 |
| 2021 BMW M2 | $2,476 |
| 2020 BMW M2 | $2,497 |
| 2019 BMW M2 | $4,182 |
| 2018 BMW M2 | $1,970 |
| 2017 BMW M2 | $2,952 |
| 2016 BMW M2 | $1,705 |
| 2015 BMW M2 | $1,813 |
2024 BMW M4 Insurance Rates
The average annual insurance cost for a 2024 BMW M4 is $4,062. However, California Capital offers the cheapest rates, averaging $2,636 per year.
| Insurance Provider | Average Annual Cost |
| Farmers | $4,481 |
| California Capital | $2,636 |
| Alliance United | $4,408 |
| Nationwide | $4,178 |
| Hartford | $4,672 |
| Travelers | $3,827 |
| New York Central Mutual Fire | $4,383 |
| Erie | $5,030 |
| 21st Century | $3,516 |
| Mercury | $3,486 |
2023 BMW M4 Insurance Rates
The average annual insurance cost for a 2023 BMW M4 is $3,245. However, Capital Insurance Group offers the cheapest rates, averaging $1,964 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,173 |
| 21st Century | $3,902 |
| Country | $2,157 |
| Mercury | $4,055 |
| Capital Insurance Group | $1,964 |
| Farmers | $3,873 |
| Unitrin | $2,579 |
| Grange | $3,898 |
| Hartford | $4,031 |
| Alliance United | $3,816 |
2022 BMW M4 Insurance Rates
The average annual insurance cost for a 2022 BMW M4 is $2,950. However, Safeco offers the cheapest rates, averaging $1,214 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $2,007 |
| Penn National | $4,047 |
| Country | $2,203 |
| North Carolina Farm Bureau | $3,646 |
| Liberty Mutual | $3,896 |
| California Capital | $2,894 |
| Capital Insurance Group | $1,873 |
| Safeco | $1,214 |
| GMAC Insurance Group | $3,534 |
| Republic Indemnity | $4,185 |
2021 BMW M4 Insurance Rates
The average annual insurance cost for a 2021 BMW M4 is $2,476. However, Safeco offers the cheapest rates, averaging $516 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $4,367 |
| Allied | $3,662 |
| Dairyland Broadform | $1,338 |
| Safeco | $516 |
| Clearcover | $2,825 |
| Country | $1,947 |
| Capital Insurance Group | $1,464 |
| NatGen PPA | $1,713 |
| Auto-Owners Insurance Co | $3,513 |
| ACCC Insurance Company | $3,411 |
2020 BMW M4 Insurance Rates
The average annual insurance cost for a 2020 BMW M4 is $2,497. However, SafeAuto offers the cheapest rates, averaging $392 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,327 |
| American Independent Ins Co | $2,782 |
| Alliance United | $3,242 |
| Mercury | $3,402 |
| Penn National | $1,192 |
| Liberty Mutual | $2,926 |
| Dairyland Auto | $2,894 |
| Atlantic States Insurance | $2,835 |
| SafeAuto | $392 |
| Auto-Owners Insurance Co | $2,979 |
2019 BMW M4 Insurance Rates
The average annual insurance cost for a 2019 BMW M4 is $4,182. However, New York Central Mutual Fire offers the cheapest rates, averaging $2,814 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $2,814 |
| Mercury | $4,944 |
| Hartford | $4,981 |
| Mercury Insurance Company | $3,419 |
| 21st Century | $4,682 |
| Farmers | $4,862 |
| Travelers | $4,153 |
| California Capital | $2,837 |
| Erie | $4,883 |
| Esurance | $4,246 |
2018 BMW M4 Insurance Rates
The average annual insurance cost for a 2018 BMW M4 is $1,970. However, American National P offers the cheapest rates, averaging $1,062 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $2,159 |
| Southern Farm Bureau | $2,746 |
| Hastings Mutual Insurance Co | $1,795 |
| SECURA Insurance | $2,781 |
| Country | $1,794 |
| Pekin Insurance | $1,399 |
| Grange Mutual | $1,868 |
| Virginia Farm Bureau | $1,773 |
| Rockford Mutual Insurance | $2,326 |
| American National P | $1,062 |
2017 BMW M4 Insurance Rates
The average annual insurance cost for a 2017 BMW M4 is $2,952. However, Direct Auto offers the cheapest rates, averaging $1,864 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $3,203 |
| Plymouth Rock | $3,192 |
| Cincinnati Insurance | $3,312 |
| California Capital | $2,235 |
| Alliance United | $3,254 |
| Direct Auto | $1,864 |
| CSAA | $3,519 |
| Hartford | $3,437 |
| New Jersey Manufacturers | $2,816 |
| Penn National | $2,686 |
2016 BMW M4 Insurance Rates
The average annual insurance cost for a 2016 BMW M4 is $1,705. However, Virginia Farm Bureau offers the cheapest rates, averaging $1,278 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,328 |
| Arbella Insurance Group | $2,223 |
| Quincy Mutual | $2,389 |
| Norfolk and Dedham Group | $1,872 |
| Virginia Farm Bureau | $1,278 |
| Safety Group | $1,836 |
| North Carolina Farm Bureau | $1,848 |
| NatGen Value | $1,372 |
| Mercury Insurance Company | $1,298 |
| Texas Farm Bureau Group | $1,602 |
2015 BMW M4 Insurance Rates
The average annual insurance cost for a 2015 BMW M4 is $1,813. However, Mercury Insurance offers the cheapest rates, averaging $856 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,310 |
| Capital Insurance Group | $2,044 |
| North Carolina Farm Bureau | $2,282 |
| New Jersey Manufacturers | $2,294 |
| Farm Bureau Ins of MI | $2,358 |
| Indiana Farmers Mutual Ins | $2,142 |
| NatGen Value | $1,831 |
| SECURA Insurance | $1,050 |
| Mississippi Farm Bureau | $1,964 |
| Mercury Insurance | $856 |
Find Affordable BMW M4 Insurance Rates
Is A BMW M4 Expensive To Insure?
The cost of insuring a BMW M4 is generally higher than the overall average for all cars. However, the actual premium you’ll pay can depend on several factors, including your age, the age of your car, your location, and your driving history.
Cheapest Car Insurance Companies For A BMW M4
When shopping for car insurance for your BMW M4, the cheapest provider can vary depending on your profile. For those seeking the most affordable option, Hugo offers a $28 per month premium, making them one of the most budget-friendly choices. However, rates can differ based on factors such as your driving history, age, location, and the specific details of your BMW M4. To find the best rate for you, it’s recommended to shop around and compare quotes from multiple insurance providers to ensure you’re getting the most affordable policy tailored to your needs.
| Company | Average Monthly Rate |
| Hugo | $28 |
| Amica | $54 |
| MetLife | $43 |
| Mercury | $59 |
| Shelter Mutual | $44 |
Common BMW M4 Insurance Discounts
Discounts are an effective way to reduce your car insurance costs. While each insurance provider offers its own set of discounts, some common ones that you may be eligible for include:
- Multi-policy: Bundling your home and auto insurance policies with one provider can often lead to a discounted rate.
- Pay annually: Paying your premium in a lump sum, rather than monthly, may result in a discount.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for a discount.
In addition, there may be other discounts available depending on your insurer. It’s a good idea to speak with your insurance agent to explore all the options that can help lower your premium.
Ways To Save On BMW M4 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your BMW M4 insurance costs low. Traffic violations, such as speeding tickets, or being involved in accidents can significantly raise your premiums.
For example, BMW M4 drivers with a speeding ticket on their record can expect to pay around $80 per month for insurance, while those with multiple accidents might see an average monthly rate of $164. By avoiding these incidents, you can prevent your premiums from rising.
In addition to your driving history, the number of miles you drive annually also affects your insurance rate. Drivers who log fewer miles each year tend to pay less because they are considered a lower risk for accidents. BMW M4 drivers who drive between 5,000 and 7,500 miles annually pay approximately $68 per month for insurance, while those who drive over 10,000 miles per year will pay about $86 per month.
Compare BMW M4 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW228xi Car Insurance
- BMW 230i Car Insurance
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- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
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- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
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- BMW M2 Car Insurance
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- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
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- BMW X6 Car Insurance
- BMW X2 Car Insurance
Our Methodology
In calculating average car insurance costs, Insuranceopedia gathered data from thousands of quotes provided by leading auto insurance companies. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. It's important to note that these figures are averages, and your individual insurance costs may vary depending on factors such as your age, driving history, location, and the specific coverage options you choose.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW M4?
Yes, you will need to provide proof of insurance before you can drive your BMW M4 out of the dealership. The best approach is to purchase an insurance policy beforehand and inform your insurance company that you’re about to buy the car. This ensures you are covered as soon as you drive it off the lot. Avoiding getting insurance directly through the dealership can often lead to better rates and coverage options.
How Can You Get The Cheapest Insurance For Your BMW M4?
The best way to find the cheapest rates for your BMW M4 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website. This helps you find the most affordable coverage tailored to your needs, saving you time and money.
