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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 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 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-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.

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
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.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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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
  • 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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