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BMW i4 car insurance rates

BMW’s sleek new electric sports sedan should offer reasonable insurance rates.

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Compare the i4’s insurance factors to similar cars

We expect the i4’s insurance to cost $200-$300 monthly because most BMWs keep lower insurance rates than their rival models. In this case, the rival Teslas trend toward the upper end of this range.

Models similar to BMW i4Monthly insurance costCar valueSafety rating by NHTSA
2022 BMW i4Not available$56,395Not available
Tesla Model 3$243.37$38,6905-star
Tesla Model S$306.22$81,190Not rated
Porsche Taycan$81,250Not available

We used Car and Driver’s car model reviews to find 2021 car values. We could not list the BMW i4’s value since 2022 is the first model year offered.

Does the BMW i4 qualify for discounts?

Some insurance companies offer a discount specifically for electric vehicles, in addition to the following vehicle discounts:

  • Electric vehicle discount
  • New car discount
  • Antitheft discount
  • Antilock brake discount
  • Passive restraint discount

How reliable is the BMW i4?

Anticipate safety ratings for this new model by looking at BMW’s other safety ratings.

  • Safety. BMW’s similar electric sedan i3 is rated a 9.2 out of 10 for safety by US News. The Insurance Institute for Highway Safety (IIHS) gives it a good rating on four of six safety categories, an advanced rating on its front crash category, and an acceptable on its rear crash category. You can expect the BMW i4 to have equivalent safety features.
  • Reliability. You can expect the same reliability that BMW shows in other models.The BMW i3 has received strong marks for reliability from the Consumer Reports website. The early reports are the two electric motors of the i4 that provide a range of up to 350 miles.
  • Recalls. BMW doesn’t have any recalls with either of its electric vehicle models, so the i4 may see similar recall rates.

Bottom line

The BMW i4 is a luxury electric sports sedan, which mean higher insurance rates. But with the savings in fuel from switching to an electric car, you might be able to offset the high insurance costs and come out on top. You can also look for an insurance company that gives extra discounts for safety features and having an electric car.

Be sure to compare different insurance companies and maximize your discounts for your BMW i4.

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