Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for a new or used BMW 4 Series? 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 4 Series insurance facts

  • Average full coverage auto insurance premium: $190/month

  • Most affordable companies: Erie ($133/month) & American Family ($140/month)

  • 4 Series car insurance cost vs. average rate: $11 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW 4 Series by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average BMW 4 Series insurer costs by state:

Risk factors affecting BMW 4 Series 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 4 Series 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 4 Series 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 4 Series 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.

2021 BMW 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2526
Allstate$2397
American Family$1786
Erie$1603
GEICO$2245
Kentucky Farm Bureau$2493
Liberty Mutual$2030
Mercury$2360
Nationwide$2460
Progressive$2065
Safeco$2628
State Farm$1653
Tennessee Farmers$2348
Texas Farm Bureau$2189
The Hanover$2519
Travelers$2415
USAA$1836

Compare all 2021 BMW 4 Series rates

Average Cost to Insure Per Year

$2289

List Price

$45600

Trims Available

430i Gran Coupe - 430i - 430i xDrive Gran Coupe - 430i xDrive - 440i Gran Coupe - 440i - 440i xDrive Gran Coupe - 440i xDrive - Engine: turbocharged 2.0-liter four-cylinder with 255 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 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2254
Allstate$1899
American Family$1406
Erie$1380
GEICO$1726
Kentucky Farm Bureau$2094
Liberty Mutual$1589
Mercury$1864
Nationwide$2040
Progressive$1636
State Farm$1465
Tennessee Farmers$1780
Texas Farm Bureau$1694
The Hanover$2160
Travelers$1964
USAA$1527

Compare all 2020 BMW 4 Series rates

Average Cost to Insure Per Year

$2179

List Price

$44750

Trims Available

430i Gran Coupe - 430i - 430i xDrive Gran Coupe - 430i xDrive - 440i Gran Coupe - 440i - 440i xDrive Gran Coupe - 440i xDrive - Engine: turbocharged 2.0-liter four-cylinder with 255 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 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2245
Allstate$1840
American Family$1394
Erie$1365
GEICO$1652
Kentucky Farm Bureau$2059
Liberty Mutual$1487
Mercury$1765
Nationwide$2046
Progressive$1529
State Farm$1425
Tennessee Farmers$1725
Texas Farm Bureau$1583
The Hanover$2139
Travelers$1931
USAA$1463

Compare all 2019 BMW 4 Series rates

Average Cost to Insure Per Year

$2013

List Price

$44600

Trims Available

430i Gran Coupe - 430i - 430i xDrive Gran Coupe - 430i xDrive - 440i Gran Coupe - 440i - 440i xDrive Gran Coupe - 440i xDrive - Engine: turbocharged 2.0-liter four-cylinder with 255 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 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1654
Acuity$ 1654
Allied$ 1561
Allied$ 1561
Erie$ 1228
Erie$ 1228
GEICO$ 1635
GEICO$ 1635
Mercury$ 1380
Mercury$ 1380
Nationwide$ 1495
Nationwide$ 1495
Plymouth Rock Insurance$ 1745
Plymouth Rock Insurance$ 1745
Progressive$ 1310
Progressive$ 1310
State Farm$ 1422
State Farm$ 1422
Tennessee Farmers$ 1412
Tennessee Farmers$ 1412
USAA$ 1431
USAA$ 1431
Vermont Mutual$ 1832
Vermont Mutual$ 1832

Compare all 2018 BMW 4 Series rates

Average Cost to Insure Per Year

$ 1761

List Price

$ 43300

Trims Available

430i Gran Coupe - 430i - 430i xDrive Gran Coupe - 430i xDrive - 440i Gran Coupe - 440i - 440i xDrive Gran Coupe - 440i xDrive

2017 BMW 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1664
Acuity$ 1664
Allied$ 1616
Allied$ 1616
Country$ 1828
Country$ 1828
Erie$ 1060
Erie$ 1060
GEICO$ 1070
GEICO$ 1070
Mercury$ 1332
Mercury$ 1332
Nationwide$ 1404
Nationwide$ 1404
Plymouth Rock Insurance$ 1666
Plymouth Rock Insurance$ 1666
Progressive$ 1093
Progressive$ 1093
State Farm$ 1102
State Farm$ 1102
USAA$ 1185
USAA$ 1185
Vermont Mutual$ 1795
Vermont Mutual$ 1795

Compare all 2017 BMW 4 Series rates

Average Cost to Insure Per Year

$ 1638

List Price

$ 41950

Trims Available

430i Gran Coupe - 430i - 430i xDrive Gran Coupe - 430i xDrive - 440i Gran Coupe - 440i - 440i xDrive Gran Coupe - 440i xDrive

2016 BMW 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1579
Acuity$ 1579
Allied$ 1674
Allied$ 1674
Erie$ 928
Erie$ 928
GEICO$ 1223
GEICO$ 1223
Mercury$ 1318
Mercury$ 1318
Nationwide$ 1391
Nationwide$ 1391
Plymouth Rock Insurance$ 1566
Plymouth Rock Insurance$ 1566
Progressive$ 1175
Progressive$ 1175
State Farm$ 1259
State Farm$ 1259
Tennessee Farmers$ 1471
Tennessee Farmers$ 1471
USAA$ 1105
USAA$ 1105
Vermont Mutual$ 1671
Vermont Mutual$ 1671

Compare all 2016 BMW 4 Series rates

Average Cost to Insure Per Year

$ 1654

List Price

$ 41650

Trims Available

428i Gran Coupe - 428i - 428i xDrive Gran Coupe - 428i xDrive - 435i Gran Coupe - 435i - 435i xDrive Gran Coupe - 435i xDrive

2015 BMW 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1455
Acuity$ 1455
American Family$ 1495
American Family$ 1495
Erie$ 819
Erie$ 819
GEICO$ 840
GEICO$ 840
Mercury$ 1266
Mercury$ 1266
Nationwide$ 1245
Nationwide$ 1245
Plymouth Rock Insurance$ 1491
Plymouth Rock Insurance$ 1491
Progressive$ 975
Progressive$ 975
State Farm$ 989
State Farm$ 989
Tennessee Farmers$ 1458
Tennessee Farmers$ 1458
USAA$ 973
USAA$ 973
Vermont Mutual$ 1499
Vermont Mutual$ 1499

Compare all 2015 BMW 4 Series rates

Average Cost to Insure Per Year

$ 1339

List Price

$ 40300

Trims Available

428i Gran Coupe - 428i - 428i xDrive Gran Coupe - 428i xDrive - 435i Gran Coupe - 435i - 435i xDrive Gran Coupe - 435i xDrive

2014 BMW 4 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1348
Acuity$ 1348
American Family$ 1577
American Family$ 1577
Country$ 1538
Country$ 1538
Erie$ 959
Erie$ 959
GEICO$ 1212
GEICO$ 1212
Mercury$ 1308
Mercury$ 1308
Nationwide$ 1610
Nationwide$ 1610
Progressive$ 1274
Progressive$ 1274
State Farm$ 1342
State Farm$ 1342
Tennessee Farmers$ 1391
Tennessee Farmers$ 1391
USAA$ 1222
USAA$ 1222
Vermont Mutual$ 1327
Vermont Mutual$ 1327

Compare all 2014 BMW 4 Series rates

Average Cost to Insure Per Year

$ 1702

List Price

$ 40500

Trims Available

428i - 428i xDrive - 435i - 435i xDrive