fbpx
Phone: 1-(855) 233-7818

BMW X4 Car Insurance Cost

Use AutoInsureSavings to find the best rates and save money today.

Compare all car insurance companies at once.

No junk mail. No spam calls. Free quotes.

Looking for a new or used BMW X4? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW X4 insurance facts

  • Average full coverage auto insurance premium: $169/month

  • Most affordable companies: Texas Farm Bureau ($117/month) & State Farm ($124/month)

  • X4 car insurance cost vs. average rate: $16 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW X4 by model year and auto insurer.

Below average BMW X4 insurer costs by state:

How much does it cost to insure my BMW X4?

Select the year of your car:

2021 BMW X4

Compare all 2021 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$2,034

List Price

$51,600

Trims Available

xDrive28i - M40i - Base Engine: turbocharged 3.0-liter six-cylinder with 382 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW X4

Compare all 2020 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$2,003

List Price

$51,100

Trims Available

xDrive28i - M40i - Base Engine: turbocharged 3.0-liter six-cylinder with 382 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW X4

Compare all 2019 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,980

List Price

$51,445

Trims Available

xDrive28i - M40i - Base Engine: turbocharged 3.0-liter six-cylinder with 382 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW X4

Compare all 2018 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$1,871

List Price

$47,600

Trims Available

xDrive28i - M40i

2017 BMW X4

Compare all 2017 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$3,107

List Price

$45,550

Trims Available

xDrive28i - M40i

2016 BMW X4

Compare all 2016 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$2,470

List Price

$45,250

Trims Available

xDrive28i - xDrive35i - M40i

2015 BMW X4

Compare all 2015 BMW X4 rates

Personalize quotes in 2 minutes. Free to compare quotes.

Average Cost to Insure Per Year

$2,594

List Price

$44,700

Trims Available

xDrive28i - xDrive35i

Risk factors affecting BMW X4 coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW X4 insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW's automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average X4 repair costs equal higher coverage rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW's driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW X4 affecting auto policies

Another factor to consider for BMW's, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower auto rates for drivers

BMW's are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying an insurance policy.

Follow us on:
© 2021 AutoInsureSavings LLC. All Rights Reserved. Use of AutoInsureSavings LLC Services (DBA AutoInsureSavings.org) is subject to our Terms of Service, Privacy Policy and License #3000705723. CCPA Disclaimer DUNS: 117443053

Advertiser Disclosure: All rates, insurance quotes, products and services are presented without warranty and guarantee. When evaluating insurance rates, verify directly with your current provider or insurance agent. Insurance quotes and offers are not binding, nor a guarantee of car insurance coverage. Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. We are an objective third-party resource for everything auto insurance.