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BMW 4 Series insurance cost

Average BMW 4 series insurance cost? $222. But check out Geico's rates or perks from competitors.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 BMW 4 Series is $222.15 — or, $2,665.8 yearly. However, your actual costs depend on your driving history, vehicle model, ZIP and other factors. And some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2014 BMW 4$142.41$140.28$234.03$227.17$185.97
2016 BMW 4$175.59$145.91$251.04$203.63$194.04
2021 BMW 4$199.09$151.50$314.32$223.67$222.15

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, job type, annual mileage and more.

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How to compare insurance for the BMW 4 Series

Car insurance is an unavoidable drawback of vehicle ownership. Shopping around for the best rate can reduce your overall costs. 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 some ways to save on auto insurance. In order to accurately compare your options, there are a few things to look for when getting quotes from providers. Here are a few considerations.

  • 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.

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.

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 four-door sports coupe that’s 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 4 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.

Compare the BMW 4’s insurance factors to similar cars

The BMW 4 doesn’t have the highest insurance rate on the block, although you’ll shell out a bit more for insurance than for a nonluxury car. In general, insurance costs rise along with a car’s value — and the 4 Series keeps its selling price relatively low for a luxury ride.

Models similar to BMW 4 SeriesMonthly insurance costCar value
BMW 4 Series$222.15$46,595
BMW 8 Series$270.47$88,995
Infinit Q60$42,675
Lexus LC$94,075
Mercedes-Benz S Class$375.63$110,850

We found 2021 car values from Car and Driver’s review of each model.

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
  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount — Airbags, motorized seat belts, etc.
  • Emergency roadside assistance discount

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 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.

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.

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
  • Antilock brakes
  • Antitheft 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

    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.

    About the BMW 4 Series

    The BMW 4 coupe models come in three variants: 430i, M440i, and M4. The M variants are built for performance and style — not so much practicality. The 2022 4 Series starts at $46,795 for the base model, and reaches $65,195 for the M440i convertible. While the higher price tag might push you to other options, BMW offers incentives for military members and college grads that may be worth checking out.

    The 2022 4 Series is outfitted with great standard safety features, including automated emergency braking and pedestrian detection, lane-departure warning and lane-keeping assist, a rearview camera, active driving assist, and park distance control. If you’re in need of some creature comforts, consider adding features like a heated steering wheel for $190, heated front seats for $500, or front ventilated seats for $350. There are also performance options like Adaptive M Suspension for $700, or the pricey Dynamic Handling Package for $2,450.

    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 some factors that can influence the price you pay, so compare your options to find coverage that fits your budget.

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