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BMW M4 insurance rates
Average insurance cost for the 2021 BMW M4? $321. But no worries, you can shop to drop it lower.
We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW M4 is $321.18 — 0r, $3,854.16 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. Some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2016 BMW M4 | $202.26 | $191.00 | $300.99 | $314.10 | $252.09 |
| 2021 BMW M4 | $284.11 | $251.30 | $393.38 | $355.93 | $321.18 |
How we got these rates
Our rates are based on a single 30-yearoold driver with a clean driving history living in California. California is one of seven states that doesn’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, location, job type, annual mileage and more.
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Compare the M4’s insurance factors to similar cars
The BMW M4 drives the cost of insurance high even for a luxury car, but its monthly rate makes sense for a high-performance coupe or convertible. Given that its engine puts out about 500 horsepower, insurance companies probably consider that much power a high risk for causing serious damage in an accident.
| Models similar to BMW M4 | Monthly insurance cost | Car value |
|---|---|---|
| BMW M4 | $321.18 | $72,795 |
| Audi S5 | – | $53, 545 |
| BMW M2 | $233.25 | $59,895 |
| Lexus LC | – | $94,075 |
| Mercedes-Benz S Class | $375.63 | $110,850 |
We found 2021 car values from Car and Driver’s car model reviews.
BMW M4 Series money-saving safety features
You could save money on car insurance for your BMW M4 Series if it comes equipped with these safety features.
- Airbags
- Antilock brakes
- Antitheft device
- Electronic stability control
- Seatbelt pretensioners
- Lane-departure warning systems
- Adaptive cruise control
- Daytime running lights
About the BMW M4
The BMW M4 has been around since 2014 and is the high performance variant of the 4 Series model. The BMW M4 is known for its remarkable performance on the streets and on the racetrack. The 2017 model offers 444 hp and 190 mph top speed.
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