BMW 4 series Car Insurance: How Much Should You Expect to Pay?

BMW 4 series drivers pay about $213 a month for their insurance, on average. Check out our complete guide to know how much car insurance companies might charge you to insure your BMW 4 series.

Quick Facts

  • A BMW 4 series costs more than most other cars to insure.
  • Liability auto insurance for a 4 series comes in at around $92 per month, while full coverage normally averages about $231 monthly.
  • CarnegieGeneral provides the lowest average premiums for a 4 series with liability only coverage offered for as low as just $35 a month.

4 series Overview

The BMW 4 series is a great mid-level car for drivers of all types, with 2022 models starting at $45,200. With four different trim levels currently offered, you'll be sure to find an option to fit your style.

Based on analyzing thousands of car insurance quotes from Compare.com, we've found that average BMW 4 series insurance prices run around $213 monthly. But how does that stack up to other similar cars out there on the market?

Current Base Price$45,200
Body Style(s)Car
Trim LevelsM440XI, GRAN COUPE, 430XI, 430I
Average Insurance Premium$213/mo.
Cheapest Insurance CompanyCarnegieGeneral

How Much is Car Insurance for a BMW 4 series?

Vehicle Liability Only Full Coverage
BMW 4 series$92$231
All BMW Models$84$199
All Cars$83$177
Average Insurance Premium$81$169

Looking at the table above, you can see that BMW 4 series insurance premiums are above average. On average, 4 series owners will pay about $92 per month for liability insurance, and around $231 a month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other BMW models, the 4 series is more expensive, with rates more than 10% higher than the rest of the company's vehicle lineup. Compared to offerings from other brands, car insurance for a 4 series is similarly on the expensive side, with liability only insurance premiums coming in about $9 more and $54 more for full coverage.

Generally, they're just more expensive to insure than the average vehicle, regardless of which body style, model, or make you compare it to.

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Who has the Cheapest Car Insurance for a BMW 4 series?

Insurance Company Average Monthly Premium
Ohio Mutual$26
CarnegieGeneral$35
Commonwealth Casualty$36
Shelter Mutual$36
Foremost$38

If you're in the market for a new auto insurance policy for your BMW 4 series, you're likely interested in which company offers the cheapest premiums. Even though there will never be one carrier that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $26 a month from Ohio Mutual. With car insurance as little as just $35 per month, CarnegieGeneral is the next most affordable auto insurance company.

Commonwealth Casualty, Shelter Mutual, and Foremost round out the rest of the top 5 list. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your BMW 4 series.

After all, insurance companies look at multiple things when calculating premiums, so your results might be different. The only way to guarantee you find the lowest rates is to compare quotes from a whole bunch of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a BMW 4 series?

As we mentioned above, there are a range of factors that insurance companies look at to calculate how much they charge for a policy -- and each carrier weighs certain attributes more than others, so there's not one single company that's the most affordable for every driver.

The following sections show quite a few variables car insurance carriers use to choose rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$80
2-3 Years$85
4-5 Years$102
6-7 Years$94
8-10 Years$47
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The BMW 4 series has been around for a while, so vehicle age may make a big difference in what you end up paying for insurance. Generally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually decrease.

Based on the information in the above table, the BMW 4 series is in line with this trend, as the cheapest models to insure are those that are 8 to 10 years old, while on average, the most expensive models are 4 series that are 4 to 5 years old.

Your Age

Age Average Monthly Premium

Your age is another factor that plays a role in how much auto insurance companies will charge you for car insurance. As you can see in the table above, teenage 4 series drivers have higher rates compared to drivers who have more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for 4 series drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$93
Female$88

Women tend to pay less for auto insurance than men. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim. The BMW 4 series sticks to the norm, where men pay around $93 monthly for car insurance, while women pay about $88.

Where You Live

State Average Monthly Premium
California$50
Florida$130
Georgia$150
Illinois$103
New York$242
North Carolina$45
Ohio$40
Pennsylvania$71
Texas$70
Virginia$53

You might think it's common sense that things like what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live has just as much of an impact. Auto insurance is regulated on the state level and not nationally, so rates fluctuate quite a bit from state to state.

For example, the average BMW 4 series driver in New York pays around $242 a month for liability coverage. Meanwhile, the same owner from California will pay only a quarter of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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BMW 4 series Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your auto insurance policy is always important.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Defensive driving discounts for taking a defensive driving class from an accredited school or institution
  • Multi-policy discounts for getting both your home and auto policies from the same insurance company
  • Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments

While these are just a few of the discounts car insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. Often, the best way to get great rates is to work on your overall insurance profile.

While you can't control every variable insurance companies take into account to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the variables you can use to your favor in order to save money on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$114
Multiple Accidents$123
1 Ticket$156
Multiple Tickets$106

You've almost certainly observed ads from auto insurance carriers promoting large discounts for good drivers. And you probably wouldn't be surprised that if you get into an accident or get a ticket for speeding, car insurance prices will increase. But you're probably wondering exactly how much these infractions can cost you.

You can tell from the table above that accidents will usually cost 4 series drivers less than tickets, but both will cause a significant increase in rates. BMW 4 series drivers with a single accident on their record pay an average of $114 per month (up $22 from the $92/mo. overall average), while drivers with one ticket will pay about $156 monthly. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$67
2,501-5,000 Miles$82
5,001-7,500 Miles$86
7,501-10,000 Miles$93
10,000+ Miles$103

Another factor that impacts your auto insurance premiums is the total amount of miles you drive each year. Drivers who are on the roads less often are less likely to get tickets, so they'll usually end up paying less for insurance. Above, you can see that BMW 4 series owners who drive fewer than 2,500 miles a year pay an average of $67 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $103.

If you work from home or drive less often than the average driver, it may be worth reviewing usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do BMW 4 series Compare to Other Vehicles?

If you're thinking about purchasing a new car and a BMW 4 series is on your shortlist, it can pay off to do your research. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Visit the table below to see how the BMW 4 series compares:

BMW 4 series National Average
Liability Insurance-$81
Full Coverage Insurance$190$169
Base MSRP$45,200$46,192
Average Annual Mileage10,19211,617

Overall, the BMW 4 series has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle MSRP is $46,192, and the 4 series comes in close to that at $45,200.

Liability insurance for a BMW 4 series is, while full coverage is over $20 more a month.

When it comes to usage, BMW 4 series drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles each year compared to the 4 series's 10,192 every year.

BMW 4 series Car Insurance Costs by Model Year

We've walked through many of the factors that can have an impact on how much the average driver pays for insurance. But if you're considering purchasing a new 4 series, knowing how much your vehicle will likely cost can be extremely valuable as you weigh your choices.

2020 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$58
Full Coverage Avg. Premium$216
Base MSRP$44,750
Cheapest Insurance CompanyMercury - $27/mo.
Available Trims430I, 430XI, 440I, 440XI, GRAN COUPE

2020 BMW 4 series drivers can expect to pay an average of $58 per month for liability or $216 for full coverage.

If you're looking for the most affordable 2020 BMW 4 series insurance policy, Mercury offered the cheapest policy we found, with rates sometimes as little as $27 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2020 BMW 4 series, you can get free quotes in minutes by just entering your ZIP code below.

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2019 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$254
Base MSRP$44,600
Cheapest Insurance CompanyDirectGeneral - $24/mo.
Available Trims430I, 430XI, 440I, 440XI, GRAN COUPE

You can expect full coverage for a 2019 4 series to run about $254 per month, while liability only coverage will average around $94 a month.

Looking for the most affordable policy? DirectGeneral offered liability only coverage for as low as $24 monthly.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free personalized quotes.

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2018 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$62
Full Coverage Avg. Premium$207
Base MSRP$43,300
Cheapest Insurance CompanyOhio Mutual - $26/mo.
Available Trims430I, 430XI, 440I, 440XI, GRAN COUPE

It costs about $62 a month for liability or $207 for a full coverage policy for the 2018 BMW 4 series.

Ohio Mutual has premiums as cheap as just $26 monthly for the 2018 BMW 4 series.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2017 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$138
Full Coverage Avg. Premium$284
Base MSRP$41,950
Cheapest Insurance CompanyHugo - $26/mo.
Available Trims430I, 430XI, 440I, 440XI, GRAN COUPE

On average, drivers who own a 2017 4 series can expect to pay $138 to $284 per month for liability only and full coverage car insurance, respectively.

Hugo offered the cheapest policy we found, with rates as little as $26 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2016 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$98
Full Coverage Avg. Premium$213
Base MSRP$41,650
Cheapest Insurance CompanyMetLife - $21/mo.
Available TrimsI, I GRAN COUPE, I GRAN COUPE SULEV, I SULEV, XI, XI GRAN COUPE, XI GRAN COUPE SULEV, XI SULEV

The average cost to insure a 2016 BMW 4 series with liability only coverage is $98 a month, while full coverage runs around $213 per month.

With prices sometimes as cheap as $21 a month, MetLife offered the lowest policy we found for the 2016 BMW 4 series.

If you want to know exactly how much you can expect to pay for your 4 series, just enter your ZIP code below and get several free quotes in minutes.

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2015 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$231
Base MSRP$40,300
Cheapest Insurance CompanyMercury - $23/mo.
Available TrimsI, I GRAN COUPE, I GRAN COUPE SULEV, I SULEV, XI, XI GRAN COUPE, XI GRAN COUPE SULEV, XI SULEV

On average, drivers who own a 2015 4 series can expect to pay $92 to $231 per month for liability only and full coverage auto insurance, respectively.

We found Mercury offered the cheapest policy, with rates sometimes as low as $23 monthly.

Interested in exactly how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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2014 BMW 4 series Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$225
Base MSRP$40,500
Cheapest Insurance CompanyMetroMile - $22/mo.
Available TrimsI, I SULEV, XI, XI SULEV

2014 BMW 4 series drivers can expect to pay an average of $90 a month for liability or $225 for full coverage.

With rates as cheap as $22 monthly, MetroMile offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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BMW 4 series Insurance FAQs

Is a BMW 4 series expensive to insure?

It costs more to insure a BMW 4 series when compared to the average car. Liability insurance runs an average of $92 per month, while full coverage will cost you around $231.

How can I get the best price on car insurance for my BMW 4 series?

The only way to be sure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from a wide array of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a lot of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my BMW 4 series affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. There are a bunch of variables insurance companies think about when they decide how much to charge you for a policy, but the color of your 4 series is not factored into that decision.

Do I need to have insurance before I buy a BMW 4 series?

Before you can legally drive your new (or new to you) BMW 4 series off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but your best bet is letting your insurance company know before you buy.

What car insurance discounts can I get for my BMW 4 series?

You will find many discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are more based on you than the car you drive, but if your 4 series has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about which discounts they offer.

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