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BMW X4 insurance rates

Average insurance cost for your BMW X4? $199. But this bimmer's rates vary widely by company.

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Model YearProgressiveGeicoState FarmFarmersAverage
2016 BMW X4$116.41$133.96$207.20$201.57$164.79
2021 BMW X4$132.08$160.11$275.15$230.63$199.49

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 Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
The 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.
Root
No
Yes
Telematics only
Yes
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.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare the X4’s insurance factors to similar cars

The BMW X4 achieves a relatively inexpensive insurance rate for a luxury vehicle. That means you get the luxury styling and powerful engine for a lower ownership cost than you might expect on a BMW. However, as we’d expect, the X4’s insurance costs more than non-luxury SUVs.

Models similar to BMW X4Monthly insurance costCar value
BMW X4$199.49$52,595
BMW X6$212.94$66,045
Jaguar F-Pace$51,345
Mercedes-Benz GLA Class$181.60$37,280

We found 2021 car values from Car and Driver’s car model reviews.

About the BMW X4

The BMW X4 has been around since 2014 and is a compact luxury SUV. The latest model is known for its sporty performance and powerful engine. The 2017 BMW X4 has not been evaluated by the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration for safety ratings.

BMW X4 Series money-saving safety features

You could save money on car insurance for your BMW X4 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

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