BMW X4 Car Insurance Cost 2025
Insuring a BMW X4 typically costs an average of $2,153 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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If you’re considering purchasing a BMW X4, it’s important to factor in the cost of insurance. On average, insurance for a BMW X4 costs $2,153 per year. 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?
On average, BMW X4 drivers can secure car insurance at a rate of $2,153 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 |
| 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 |
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
Is A BMW X4 Expensive To Insure?
Insuring a BMW X4 typically costs more than the average for all cars. However, the exact amount you’ll pay depends on several factors, including your age, the age of your vehicle, your location, and other personal details. These factors allow insurance companies to assess your risk level and calculate a premium tailored to your profile.
Find Affordable BMW X4 Insurance Rates
Cheapest Car Insurance Companies For A BMW X4
If you’re looking to purchase a new car insurance policy for your BMW X4, then you might want to know who the cheapest insurance companies are.
For drivers solely looking for the most affordable policy, Shelter Mutual offer a $25 per month premium, making them the cheapest provider for a BMW X4. However, rates can fluctuate based on your driver profile, so this rate is just an average. In order to find the affordable rates for your profile, the best thing to do is shop around and compare quotes.
| Company | Average Monthly Rate |
| Amica | $37 |
| Clearcover | $43 |
| Apparent | $38 |
| DirectGeneral | $53 |
| Shelter Mutual | $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?
- BMW228xi Car Insurance
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- BMW X2 Car Insurance
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.
