BMW 4 Series insurance rates

Average BMW 4 Series insurance rates

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BMW 4 Series 2019

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Introduced in 2014, the BMW 4 Series is a compact executive car that’s available as a two-door coupe, two-door convertible or four-door gran coupe. Its elegant, sporty design starts at just under $45,000 and includes a number of great features that provide a safe but exciting driving experience.

Auto insurance for a BMW 4 Series costs about $238 a month on average, which works out to $2,856 a year. This estimate puts coverage at about $1,500 above the national average, but your actual cost may vary. This is because your driving history, location, vehicle details and other variables can all influence the cost of insurance.

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BMW 4 Series car insurance rates

A 2017 BMW 4 Series starts at a base price of $41,950. With the average insurance rate at $2,856 per year, the annual insurance cost–to–base car price ratio is 6.8%.

ModelMonthly insurance rateBase car price
2 Series$238$33,150
3 Series$178$33,450
4 Series$238$41,950
5 Series$169$51,200
6 Series$160$77,600
7 Series$167$81,500

How to compare insurance for the BMW 4 Series

Car insurance can be frustrating to shop for. Many providers use similar language but different policy features and every one claims to have the best price. Coverage is mandatory in 48 states, so while you won’t be able to avoid it, there are a number of ways you can save on auto insurance. In order to accurately compare your options, there are a few things you should look for when getting quotes from providers. Here are a few elements you may want to consider.

  • Price. In order to compare prices accurately, you’ll need to provide the same details every time you get a quote. Doing this will allow you to sort similar coverage options by price.
  • Deductible. A higher deductible may cost more when you file a claim, but your monthly premiums will probably be lower. On the contrary, a lower deductible might cost less out of pocket when you file a claim, but you’ll pay more in monthly premiums.
  • Minimum coverage. Unless you live in New Hampshire or Virginia, every state has its own amount of mandatory minimum coverage. Be sure that this requirement is met before purchasing a policy.
  • Additional coverage. If a standard policy doesn’t provide enough protection, you may consider additional coverage like medical payments coverage or personal injury protection. Be sure to include these options when getting quotes.
  • Extras. Policy extras like accident forgiveness and roadside assistance can provide peace of mind on and off the road. Find out what features are available for free and which ones you’ll need to pay for.
  • Restrictions. Coverage restrictions can lead to denied claims or gaps in coverage if you’re not aware. Find out if your policy has any restrictions before getting on the road.
  • Manufacturer offer or loyalty discount. Speak with your dealer to find out if you are eligible for any manufacturer offers or loyalty programs.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for BMW 4 Series?

Though your driving history and location can both affect the cost of car insurance, the vehicle you drive plays a pivotal role. Insurance providers calculate your premiums with respect to the risk and costs associated with filing claims. Damage susceptibility, repair costs, and other factors all vary between makes and models, which is why the cost of auto insurance largely depends on the vehicle you drive. Here are a few characteristics of the BMW 3 series and how they might affect insurance rates.

  • Body type. The standard 4 series model is a two-door sports coupe that designed for performance. Its power and tuning could enable higher-risk driving, which may make it more expensive to insure.
  • Type of car. BMW is best known for its luxury vehicles and the 3 Series is no exception. These types of vehicles are generally more expensive to insure.
  • Theft. Coupes are stolen far less frequently than pickups or sedans. Insurance on the two-door coupe and convertible models should be more affordable than the four-door gran coupe.
  • Repairs. While BMW has factories within the USA, parts and service can be expensive and could increase the cost of insurance.
  • Safety ratings. While the 4 Series doesn’t currently have an official safety rating, most BMWs are highly rated for their crashworthiness and great safety features. This could help you save on insurance.

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How do trim packages and extra build options affect insurance cost?

Performance, safety features and other elements all vary between makes and models, which is why the vehicle you drive plays a major role in determining the price of coverage. But beyond your choice of make and model, the trim and packages on your vehicle can also affect the cost of insurance. Based on the standard 430i Coupe, here’s how various build options might impact your rates:


  • xDrive. xDrive is BMW’s signature all-wheel-drive system that improves traction and handling. Choosing this option could help you save on insurance.
  • 440i. The increase in power and price on this model may lead to higher premiums.
  • Convertible. Since convertibles don’t have a hard top like the coupe, it might not hold up as well in an accident. This may lead to more expensive insurance.
  • Gran Coupe. Four-door sedans are generally designed for families and daily driving as opposed to touring like the coupe might be. While this could decrease the cost of insurance, sedans are stolen more often than coupes, which would have the opposite effect.


  • Convenience Tier. This option adds active blind spot detection which could help prevent accidents. Adding it may help you save on insurance.
  • Executive Tier. The executive tier includes everything from the Convenience Tier, along with automatic high beams, parking assistance and adaptive headlights. The enhanced visibility may lead to cheaper auto insurance.
  • Track Handling Package. The features included in this package could improve handling and possibly decrease the cost of insurance.
  • Driving Assistance Package. This package can enhance driver, passenger, and vehicle safety and therefore may lead to cheaper auto insurance.

BMW 4 Series money-saving safety features

You could save money on car insurance for your BMW 4 Series if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the BMW 4 Series qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the BMW 4 Series:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

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How reliable is the BMW 4 Series?

The 2018 BMW 4 series holds a 4 out of 5-star rating for reliability, according to U.S. News and J.D. Power. This is above average for other vehicles in its class.

While the 4 Series has only been available since 2014, it has been affected by a couple recalls since production began.

  • 2018. Certain 4 Series models were recalled for an issue with the “Emergency Locking Retractors” which may prevent seatbelts from properly restraining occupants in the event of a crash.
  • 2017. A number of 2017 4 Series vehicles were recalled due to side airbag inflators that may fail to activate in a crash.

There are almost no common complaints about the 4 Series online. While some owners have mentioned excessive brake noise, this issue doesn’t seem to affect very many people. With that being said, this car has only been in production since 2014, so it’s possible that it hasn’t been around long enough to develop widespread issues.

BMW 4 Series maintenance

The BMW 4 Series is designed for daily driving, commuting, or simply exploring the road. Like most BMW vehicles, the 4 Series is quite reliable and it requires little maintenance so that you can spend less time in the shop. However, routine maintenance can extend the life of your vehicle and ensure that it performs at full capacity. Here’s what to expect in terms of oil changes, service appointments and more.

  • BMW suggests an oil change every 10,000 miles or 12 months. Depending on how you drive your vehicle, you may want to consider having it changed more often.
  • Oil changes should cost between $100 to $200, but your cost may vary.
  • The 2018 430i Coupe (Automatic transmission) gets an average of 27 miles per gallon, with 24 in the city and 34 on the highway.
  • The 2018 BMW 430i Coupe (Manual transmission) gets an average of 25 miles per gallon, with 21 in the city and 33 on the highway.
  • The 2018 BMW 430i xDrive gets an average of 27 miles per gallon, with 23 in the city and 33 on the highway.
  • The 2018 BMW 4 Series comes with a standard four-year/50,000-mile warranty.
  • Newer BMW models come equipped with a Condition Based Servicing system and a Service Interval Indicator. Both of these systems will monitor your vehicle and let you know when parts need replacing and when the vehicle should be brought in for service.

Is an extended warranty worth it for the BMW 4 Series?

The 4 Series comes with the standard four-year/50-000 mile BMW warranty. It covers issues due to defective parts or improper service, free roadside assistance, and a separate corrosion warranty. For extra protection, the extended warranty is available in multiple terms and includes service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.

Additionally, eligible 4 Series vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.

How safe is the BMW 4 Series?

The 4 Series doesn’t have official safety ratings from the IIHS or NHTSA at this time. However, many recent BMW models have amazing safety ratings and some were even awarded the IIHS top safety pick of the year. The 4 Series’ safety features and crashworthiness might help you save on auto insurance.

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Bottom line

The 4 Series is a luxury performance coupe that is also available as a convertible and four-door gran coupe. While it doesn’t have official safety ratings yet, it comes equipped with a suite of great safety features that could help you save on auto insurance. With that being said, there are a number of factors that can influence the price you pay, so it’s important to compare your options to find coverage that fits your budget.

Frequently asked questions about the BMW 4 Series

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