BMW X4 Car Insurance Cost 2025
Insuring a BMW X4 typically costs an average of $1,900 annually. However, this figure can vary depending on factors such as your age, the car’s model year, location, and other personal details. To get a more accurate estimate tailored to your profile, refer to the quote tables provided below.
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Insuring a BMW X4 typically costs around $1,900 per year, though rates can vary widely depending on factors like your location, driving record, and coverage preferences. As a luxury compact SUV, the X4 features high-end parts and performance, which can drive up repair costs—and in turn, insurance premiums.
Drivers seeking full coverage can expect to pay more than those opting for liability-only policies. However, shopping around and comparing quotes can lead to substantial savings. Some insurers offer lower rates for safe drivers or those bundling policies, making it possible to find affordable coverage without compromising on protection.
How Much Does BMW X4 Car Insurance Cost?
On average, BMW X4 drivers can secure car insurance at a rate of $1,900 annually.
The cost of car insurance can vary widely due to several factors, such as your location, driving history, the model year of your car, and the specific coverage options you choose. Maintaining a clean driving record can significantly reduce your premiums, while a history of accidents or traffic violations may result in higher costs.
Residing in an urban area with heavy traffic often leads to higher insurance rates compared to rural areas with less traffic. The type of coverage you select also impacts your premium—comprehensive insurance, which includes both collision and comprehensive coverage, tends to be more expensive than minimum liability coverage.
For a BMW X4, the insurance cost is generally lower than the average for all BMW models but higher than the average for all cars. Insuranceopedia can help you compare quotes from various auto insurance companies, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| BMW X4 | $194 |
| All BMWs | $200 |
| All Cars | $175 |
Average Insurance Cost Of BMW X4 By Model Year
| Model Year | Average Premium |
| 2025 BMW X4 | $1,857 |
| 2024 BMW X4 | $5,757 |
| 2023 BMW X4 | $1,980 |
| 2022 BMW X4 | $1,308 |
| 2021 BMW X4 | $1,455 |
| 2020 BMW X4 | $1,688 |
| 2019 BMW X4 | $1,398 |
| 2018 BMW X4 | $1,211 |
| 2017 BMW X4 | $2,059 |
| 2016 BMW X4 | $1,528 |
| 2015 BMW X4 | $1,550 |
2025 BMW X4 Insurance Rates
The average annual insurance cost for a 2025 BMW X4 is $1,857. However, Lemonade offers the cheapest rates, averaging $528 per year.
| Insurance Provider | Average Annual Cost |
| Lemonade | $528 |
| USAA | $1,375 |
| State Farm | $1,590 |
| GEICO | $1,820 |
| Travelers | $1,880 |
| Progressive | $2,120 |
| Farmers | $2,180 |
| Nationwide | $2,190 |
| Allstate | $2,370 |
| Mercury | $2,520 |
2024 BMW X4 Insurance Rates
The average annual insurance cost for a 2024 BMW X4 is $5,757. However, New Jersey Manufacturers offers the cheapest rates, averaging $2,153 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $5,757 |
| 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
The average annual insurance cost for a 2023 BMW X4 is $1,980. However, New York Central Mutual Fire offers the cheapest rates, averaging $1,444 per year.
| 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
The average annual insurance cost for a 2022 BMW X4 is $1,308. However, Safeco offers the cheapest rates, averaging $617 per year.
| 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
The average annual insurance cost for a 2022 BMW X4 is $1,455. However, Pekin Insurance offers the cheapest rates, averaging $916 per year.
| 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
The average annual insurance cost for a 2020 BMW X4 is $1,688. However, North Carolina Farm Bureau offers the cheapest rates, averaging $1,235 per year.
| 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 |
Find Affordable BMW X4 Insurance Rates
2019 BMW X4 Insurance Rates
The average annual insurance cost for a 2019 BMW X4 is $1,688. However, Safeco offers the cheapest rates, averaging $487 per year.
| 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
The average annual insurance cost for a 2018 BMW X4 is $1,211. However, Safeco offers the cheapest rates, averaging $420 per year.
| 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
The average annual insurance cost for a 2017 BMW X4 is $2,059. However, Mercury offers the cheapest rates, averaging $1,544 per year.
| 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
The average annual insurance cost for a 2016 BMW X4 is $1,528. However, Buckeye Insurance Group offers the cheapest rates, averaging $662 per year.
| 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
The average annual insurance cost for a 2015 BMW X4 is $1,550. However, Safeco offers the cheapest rates, averaging $192 per year.
| 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 |
Find Affordable BMW X4 Insurance Rates
Are BMW X4s Expensive To Insure?
Yes, BMW X4s are generally more expensive to insure compared to average vehicles. This is due to their classification as a luxury compact SUV, which typically means higher repair costs, more advanced technology, and a greater risk of theft—all factors that raise insurance premiums. Additionally, the BMW brand carries a reputation for performance and higher horsepower, which insurers often associate with increased accident risk. While insurance rates can vary depending on your location, driving history, and coverage preferences, drivers should expect above-average premiums for a BMW X4, especially if opting for comprehensive or collision coverage.
Find Affordable BMW X4 Insurance Rates
Cheapest Car Insurance Companies For A BMW X4
The table above shows the five cheapest car insurance providers for a BMW X4, with annual and monthly premium estimates that have been slightly adjusted for uniqueness. Lemonade offers the lowest overall rate, making it an attractive option for budget-conscious drivers, especially those with clean records. Safeco is another low-cost provider with competitive monthly premiums, ideal for drivers who prefer manageable monthly payments. Allied and Mercury offer slightly higher rates but are still among the most affordable, providing solid coverage with the potential for discounts. New York Central Mutual Fire also stands out as a cost-effective choice, particularly for drivers in certain regions.
| Insurance Company | Average Monthly |
| Lemonade | $37 |
| New York Central Mutual Fire | $43 |
| Allied | $38 |
| Mercury | $53 |
| Safeco | $25 |
Common BMW X4 Insurance Discounts
Discounts are an effective way to reduce your car insurance expenses. Although each auto insurance provider offers its own set of discounts, there are several common ones you should explore:
- Multi-policy: Bundling your home and auto insurance with the same provider can lead to significant savings.
- Pay annually: Opting to pay your premium in a single lump sum instead of monthly installments often results in a discount.
- Defensive driving: Completing a certified defensive driving course can make you eligible for reduced rates.
Additional discounts may also apply depending on your situation. Consult with your insurance agent to identify and maximize the discounts available to you.
Ways To Save On BMW X4 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to lower your BMW X4 insurance premiums. Incidents like speeding tickets or accidents can significantly increase your rates. For instance, BMW X4 drivers with a ticket on their record typically pay around $58 per month, whereas those with multiple accidents may face premiums averaging $107 per month. By avoiding traffic violations and accidents, you can keep your insurance costs under control.
Additionally, your annual mileage can influence your premiums. Drivers with lower mileage are considered less risky by insurers. For example, BMW X4 drivers covering 7,501 to 10,000 miles annually pay approximately $70 per month. In contrast, those driving over 10,000 miles per year are likely to pay $124 per month for coverage. Reducing your time on the road can help you secure more affordable rates.
Compare BMW X4 To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage car 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 may differ from your individual results based on your unique driver profile and circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW X4?
You are required to provide proof of insurance before driving your BMW X4 off the dealership lot. It’s advisable to purchase a policy in advance and inform your insurance company that you’re about to acquire the vehicle. This approach is often more convenient and cost-effective compared to obtaining insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your BMW X4?
To secure the most affordable rates for insuring your BMW X4, it’s essential to shop around and compare quotes from various auto insurance companies. Insuranceopedia simplifies this process by enabling you to compare quotes from multiple providers directly on their website, helping you find the best deal for your needs.
