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 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.

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 X4 insurer costs by state:

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.

2021 BMW X4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2367
Allstate$2075
Erie$2140
GEICO$1980
Kentucky Farm Bureau$2216
Liberty Mutual$1640
Mercury$1536
Nationwide$2134
Progressive$1730
Safeco$2549
State Farm$1527
Tennessee Farmers$2035
Texas Farm Bureau$1411
The Hanover$2273
Travelers$2090
USAA$1861

Compare all 2021 BMW X4 rates

Average Cost to Insure Per Year

$2034

List Price

$51600

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2263
Allstate$2039
American Family$1511
Erie$2037
Farmers$2180
GEICO$1925
Liberty Mutual$1634
Mercury$1516
Nationwide$2084
Progressive$1724
State Farm$1402
Tennessee Farmers$2016
Texas Farm Bureau$1369
The Hanover$2240
Travelers$2043
USAA$1851

Compare all 2020 BMW X4 rates

Average Cost to Insure Per Year

$2003

List Price

$51100

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2240
Allstate$1862
American Family$1425
Erie$1832
GEICO$1664
Kentucky Farm Bureau$2171
Liberty Mutual$1520
Mercury$1467
Nationwide$2034
Progressive$1587
State Farm$1366
Tennessee Farmers$1781
Texas Farm Bureau$1354
The Hanover$2234
Travelers$1926
USAA$1609

Compare all 2019 BMW X4 rates

Average Cost to Insure Per Year

$1980

List Price

$51445

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1541
Acuity$ 1541
Allied$ 1308
Allied$ 1308
Country$ 1786
Country$ 1786
Erie$ 1477
Erie$ 1477
Mercury$ 1461
Mercury$ 1461
Nationwide$ 1445
Nationwide$ 1445
Plymouth Rock Insurance$ 1512
Plymouth Rock Insurance$ 1512
Progressive$ 1460
Progressive$ 1460
State Farm$ 1759
State Farm$ 1759
Tennessee Farmers$ 1263
Tennessee Farmers$ 1263
USAA$ 1494
USAA$ 1494
Vermont Mutual$ 1591
Vermont Mutual$ 1591

Compare all 2018 BMW X4 rates

Average Cost to Insure Per Year

$ 1871

List Price

$ 47600

Trims Available

xDrive28i - M40i

2017 BMW X4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1451
Acuity$ 1451
Allied$ 1255
Allied$ 1255
American Family$ 1738
American Family$ 1738
Arbella$ 1598
Arbella$ 1598
Country$ 1573
Country$ 1573
Erie$ 1217
Erie$ 1217
Mercury$ 1373
Mercury$ 1373
Nationwide$ 1437
Nationwide$ 1437
Plymouth Rock Insurance$ 1466
Plymouth Rock Insurance$ 1466
Progressive$ 1488
Progressive$ 1488
USAA$ 1411
USAA$ 1411
Vermont Mutual$ 1419
Vermont Mutual$ 1419

Compare all 2017 BMW X4 rates

Average Cost to Insure Per Year

$ 3107

List Price

$ 45550

Trims Available

xDrive28i - M40i

2016 BMW X4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1377
Acuity$ 1377
Allied$ 1390
Allied$ 1390
Arbella$ 1537
Arbella$ 1537
Country$ 1487
Country$ 1487
Erie$ 1325
Erie$ 1325
Mercury$ 1472
Mercury$ 1472
Nationwide$ 1496
Nationwide$ 1496
Plymouth Rock Insurance$ 1440
Plymouth Rock Insurance$ 1440
Progressive$ 1517
Progressive$ 1517
Tennessee Farmers$ 1204
Tennessee Farmers$ 1204
USAA$ 1380
USAA$ 1380
Vermont Mutual$ 1353
Vermont Mutual$ 1353

Compare all 2016 BMW X4 rates

Average Cost to Insure Per Year

$ 2470

List Price

$ 45250

Trims Available

xDrive28i - xDrive35i - M40i

2015 BMW X4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1307
Acuity$ 1307
Allied$ 1343
Allied$ 1343
Arbella$ 1498
Arbella$ 1498
Country$ 1419
Country$ 1419
Erie$ 1219
Erie$ 1219
Mercury$ 1427
Mercury$ 1427
Nationwide$ 1486
Nationwide$ 1486
Plymouth Rock Insurance$ 1388
Plymouth Rock Insurance$ 1388
Progressive$ 1529
Progressive$ 1529
Tennessee Farmers$ 1220
Tennessee Farmers$ 1220
USAA$ 1293
USAA$ 1293
Vermont Mutual$ 1255
Vermont Mutual$ 1255

Compare all 2015 BMW X4 rates

Average Cost to Insure Per Year

$ 2594

List Price

$ 44700

Trims Available

xDrive28i - xDrive35i