BMW 4 Series insurance group and cost

Find out the cost and car insurance group of BMW 4 Series models, and see how much you could pay based on age, location and model.

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Jason Loewenthal

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BMW 4 Series models range from insurance groups 23 to 50, so the cost of insurance can vary significantly depending on which model you have.

BMW 4 Series insurance groups and cost

In the table below, we show you the insurance group for different BMW 4 Series model versions alongside the likely premiums for different age ranges.

Model / VersionGroup (1-50)Age 20yrsAge 30yrsAge 40yrsAge 50yrsLink
BMW 4 Series Gran Coupe (2014-2021) 418d (150bhp) SE 5d23£1,416.79£809.39£703.65£656.36Get Quote
BMW 4 Series Gran Coupe (2014-2021) 418d (150bhp) Sport 5d23£1,416.79£809.39£703.65£656.36Get Quote
BMW 4 Series Gran Coupe (2014-2021) 418d Modern 5d24£1,180.48£772.67£633.50£639.42Get Quote
BMW 4 Series Coupe (2013-2020) SE 418d SE (Business) 2d24£1,180.48£772.67£633.50£639.42Get Quote
BMW 4 Series Coupe (2013-2020) M Sport 418d M Sport 2d25£1,380.34£861.31£730.90£648.06Get Quote
BMW 4 Series Coupe (2013-2020) Sport 418d Sport 2d25£1,380.34£861.31£730.90£648.06Get Quote
BMW 4 Series Gran Coupe (2021 onwards) 420i M Sport 5dr29£1,663.68£1,031.80£773.88£754.05Get Quote
BMW 4 Series Coupe (2013-2020) SE 420d SE 2d29£1,663.68£1,031.80£773.88£754.05Get Quote
BMW 4 Series Coupe (2020 onwards) 420i M Sport 2dr30£3,439.38£1,001.68£874.54£861.41Get Quote
BMW 4 Series Convertible (2014-2020) Modern 420d 2d30£3,439.38£1,001.68£874.54£861.41Get Quote
BMW 4 Series Coupe (2020 onwards) M Sport Pro Edition 420i31£3,544.85£1,019.77£863.52£847.78Get Quote
BMW 4 Series Gran Coupe (2014-2021) 420d (190bhp) SE 5d31£3,544.85£1,019.77£863.52£847.78Get Quote
BMW 4 Series Coupe (2020 onwards) 420d MHT M Sport 2dr32£2,980.18£914.54£796.14£767.16Get Quote
BMW 4 Series Convertible (2021 onwards) 420i M Sport 2dr32£2,980.18£914.54£796.14£767.16Get Quote
BMW 4 Series Coupe (2020 onwards) M Sport Pro Edition 420d33£2,293.32£1,256.31£1,048.45£1,141.00Get Quote
BMW 4 Series Gran Coupe (2014-2021) 428i SE 5d33£2,293.32£1,256.31£1,048.45£1,141.00Get Quote
BMW 4 Series Coupe (2020 onwards) 430i [245] M Sport 2dr34£1,549.25£891.08£756.41£696.03Get Quote
BMW 4 Series Convertible (2021 onwards) M Sport Pro Ed 420i34£1,549.25£891.08£756.41£696.03Get Quote
BMW 4 Series Coupe (2020 onwards) M Sport Pro Edition 430i35£1,951.55£1,055.05£952.11£921.24Get Quote
BMW 4 Series Gran Coupe (2021 onwards) M Sport Pro Ed 430i35£1,951.55£1,055.05£952.11£921.24Get Quote
BMW 4 Series Convertible (2021 onwards) 420d MHT M Sport36£1,795.79£947.00£829.72£807.78Get Quote
BMW 4 Series Gran Coupe (2014-2021) 435i Luxury 5d36£1,795.79£947.00£829.72£807.78Get Quote
BMW 4 Series Convertible (2021 onwards) M Sport Pro Ed 420d37£2,172.92£1,067.37£933.26£896.05Get Quote
BMW 4 Series Coupe (2013-2020) M Sport 440i M Sport 2d37£2,172.92£1,067.37£933.26£896.05Get Quote
BMW 4 Series Convertible (2021 onwards) 430i M Sport 2dr38£1,992.12£1,028.10£890.79£870.50Get Quote
BMW 4 Series Gran Coupe (2014-2021) M Sport 440i M Sport38£1,992.12£1,028.10£890.79£870.50Get Quote
BMW 4 Series Coupe (2020 onwards) M440i xDrive MHT 2dr39£4,431.11£1,118.83£1,081.52£1,038.52Get Quote
BMW 4 Series Gran Coupe (2014-2021) 430d Luxury 5d Auto39£4,431.11£1,118.83£1,081.52£1,038.52Get Quote
BMW 4 Series Coupe (2020 onwards) M440i xDrive [M Pro Pack]40£2,497.85£1,182.11£1,154.65£1,006.90Get Quote
BMW 4 Series Convertible (2014-2020) M Sport 430d M Sport40£2,497.85£1,182.11£1,154.65£1,006.90Get Quote
BMW 4 Series Coupe (2020 onwards) M Sport Pro Ed 430d xDrive41£4,976.17£1,537.43£1,223.63£1,173.91Get Quote
BMW 4 Series Gran Coupe (2014-2021) 435d xDrive Luxury 5d41£4,976.17£1,537.43£1,223.63£1,173.91Get Quote
BMW 4 Series M4 (2020 onwards) M4 Competition 2dr42£6,986.31£1,338.71£1,340.77£1,134.04Get Quote
BMW 4 Series M4 (2014-2019) M4 Coupe 2d42£6,986.31£1,338.71£1,340.77£1,134.04Get Quote
BMW 4 Series Convertible (2021 onwards) 430d MHT M Sport43£1,991.61£1,043.65£842.46£826.48Get Quote
BMW 4 Series M4 (2020 onwards) M4 xDrive 530 Competition43£1,991.61£1,043.65£842.46£826.48Get Quote
BMW 4 Series Convertible (2021 onwards) M Sport Pro Ed 430d44£6,571.27£1,623.70£1,309.63£1,058.60Get Quote
BMW 4 Series M4 (2014-2019) M4 Convertible 2d44£6,571.27£1,623.70£1,309.63£1,058.60Get Quote
BMW 4 Series Convertible (2021 onwards) M440d xDrive MHT45£2,403.40£1,299.41£978.16£912.43Get Quote
BMW 4 Series Coupe (2013-2020) M4 Competition (Ultimate Pk)45£2,403.40£1,299.41£978.16£912.43Get Quote
BMW 4 Series Convertible (2021 onwards) M4 Competition M M4 xDrive Competition M 2dr Step Auto46£2,460.13£1,350.17£1,076.48£989.03Get Quote
BMW 4 Series Convertible (2021 onwards) M4 Competition xDrive46£2,460.13£1,350.17£1,076.48£989.03Get Quote
BMW 4 Series M4 (2020 onwards) M4 CS xDrive 550 2dr47£5,754.09£1,554.28£1,237.96£1,084.25Get Quote
BMW 4 Series M4 (2020 onwards) M4 CSL 2dr49£7,917.72£1,669.14£1,383.80£1,133.85Get Quote
BMW 4 Series Coupe (2013-2020) M4 GTS 2d DCT50£7,121.14£1,412.48£1,108.35£1,076.97Get Quote

Average BMW 4 Series insurance cost

To provide you with an idea of how much it may cost you to insure your BMW 4 Series, we ran several quotes to find an average figure. Based on our results, on average, you could insure your BMW 4 Series with a comprehensive policy for £1,527.74 yearly, or £132.27 paying monthly.

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BMW 4 Series insurance cost by location

The table above shows the average cost of BMW 4 Series insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a BMW 4 Series Gran Coupe (2014-2021) 418d (150bhp) SE 5d.

  • Expensive: £1,105.95 (London E10)
  • Mid-range: £809.39 (Chester CH1)
  • Cheap: £675.27 (Newquay TR8)

What factors affect my BMW 4 Series insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

How can I save on my BMW 4 Series premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

  • Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
  • Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
  • Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
  • Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
  • Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
  • Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of BMW 4 Series you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £450.27 to £16,359.52, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

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Senior associate publisher
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Connor is a senior associate publisher at Finder, specialising in insurance and investing. He's been sourcing and analysing data in both subjects for around 4 years, supporting Finder's publishing team. Connor holds a BSc in Accounting and Finance from the University of Sussex and when he's not at work, you can find him at his local gym keeping fit. See full bio

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Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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