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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.

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We pulled BMW M4 car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 BMW M4 is $321.18. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
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-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 zip, location, job type, annual mileage and more.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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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 M4Monthly insurance costCar 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
  • Anti-lock brakes
  • Anti-theft 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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