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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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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%.
Model | Monthly insurance rate | Base 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 |
i3 | $181 | $46,250 |
i8 | $161 | $143,400 |
M2 | $238 | $52,500 |
M3 | $167 | $64,000 |
M4 | $159 | $66,200 |
M6 | $161 | $113,700 |
X1 | $179 | $33,750 |
X3 | $180 | $40,050 |
X4 | $238 | $45,550 |
X5 | $178 | $56,600 |
X6 | $173 | $62,500 |
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.
Why is insurance so expensive for the BMW 4 Series?
The BMW 4 Series costs more to insure because the standard model is a two-door coupe designed for sports performance, making this vehicle more risky in the eyes of insurance companies. It may not be the most expensive BMW, but it’s still considered a luxury vehicle made from foreign parts.
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.
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:
You could save money on car insurance for your BMW 4 Series if it comes equipped with these safety features.
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:
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.
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.
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.
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.
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.
Find out what other models BMW has to offer, or explore different manufacturers altogether.
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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.
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