BMW X4 Car Insurance: How Much Should You Expect to Pay?

The average auto insurance rate for a BMW X4 tends to be around $167 per month. Check out our complete guide to learn about how much car insurance companies might charge you to insure your BMW X4.
man driving newly insured car
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • A BMW X4 is more expensive to insure than the average SUV.
  • Full coverage auto insurance for a X4 runs about $192 a month, on average, while liability only insurance usually tends to be around $79 monthly.
  • The lowest insurance company for a X4 is Mile Auto.

X4 Overview

With a base price of $51,800 for new 2022 models, the BMW X4 is a high-end car for drivers with extra room in their budgets. With three 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, we've found that average BMW X4 auto insurance rates run about $167 a month. But how does that compare to other similar SUVs on the market?

Current Base Price$51,800
Body Style(s)SUV
Trim LevelsM40I, XDRIVE30I, M
Average Insurance Premium$167/mo.
Cheapest Insurance CompanyMile Auto

How Much is Car Insurance for a BMW X4?

Vehicle Liability Only Full Coverage
BMW X4$79$192
All BMW Models$84$199
All SUVs$80$151
Average Insurance Premium$81$169

Looking at the table above, you'll find that BMW X4 insurance prices are above average compared to other vehicles. X4 drivers generally pay around $79 per month for liability insurance, and about $192 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other BMW models, the X4's insurance price is matches the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, insurance for a X4 runs close to average, with liability insurance premiums $1 cheaper than other SUVs and full coverage insurance prices coming in $41 higher.

When compared to all vehicles, regardless of body style, model, or make, full coverage premiums are more expensive for the X4, but a liability only policy is on the slightly more affordable side.

Find your best rate in just a few minutes

Who has the Cheapest Car Insurance for a BMW X4?

Insurance Company Average Monthly Premium
Shelter Mutual$26

If you're searching for a car insurance policy for a BMW X4, you may be most interested in which carrier offers the most affordable prices. Although there will never be one company that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $26 a month from Shelter Mutual. The runner up for cheapest rates is Amica, with car insurance policies starting sometimes as cheap as $38 a month.

Finishing off the rest of the top 5 are Apparent, Clearcover, and DirectGeneral. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your BMW X4.

After all, your results might be different, since insurance companies look at multiple factors when calculating premiums. The only way to guarantee you find the most affordable rates is to compare quotes from numerous car insurance carriers.

Find your best rate in just a few minutes

What Factors Affect Car Insurance Rates for a BMW X4?

As we mentioned above, there are lots of things that auto insurance companies consider to calculate how much they charge you for car insurance -- and each carrier weighs different factors more heavily than others, so there's not one single company that's the cheapest for everyone.

The following sections show several variables auto insurance carriers use to decide rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$77
2-3 Years$69
4-5 Years$131
6-7 YearsNot Enough Data
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The BMW X4 has been around for a few years, so vehicle age will likely play a big role in your insurance premium. Normally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually get lower.

According to the table above, the BMW X4 does not follow this trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive X4s are 4 to 5 years old.

Your Age

Age Average Monthly Premium

Age is another factor that makes a difference in how much you pay for car insurance. Based on the information in the table above, young drivers pay less for insurance than those with more experience.

Insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the X4.

Your Gender

Gender Average Monthly Premium

Men typically pay more for auto insurance than women. This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. When it comes to X4 drivers specifically, women pay around 8% less than men monthly for car insurance.

Where You Live

State Average Monthly Premium
New York$194

You might already know that things such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live matters just as much? Because insurance is regulated on a state-by-state basis, premiums differ quite a bit from state to state.

For example, the average BMW X4 driver in New York pays about $194 per month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price.

Find your best rate in just a few minutes

BMW X4 Car Insurance Discounts

Whatever what state you call home, which vehicle you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance is always important when shopping around for a new policy.

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

  • Multi-vehicle discounts for insuring more than one of your cars with the same company
  • Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
  • Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings

But these aren't the only discounts insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Even though you may not be able to control every variable auto insurance companies examine to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$153
Multiple Accidents$109
1 Ticket$59
Multiple Tickets$51

You've probably seen ads from insurance carriers promoting large savings for good drivers. And you're probably not surprised to hear that if you get into an accident or get tickets, car insurance prices will go up. But how much will they cost you?

You can tell from the table above that accidents will usually cost X4 drivers more than tickets, but both will result in a raise in rates. BMW X4 drivers with a single accident on their record pay about $153 each month (up $74 from the $79/mo. overall average), while drivers with one ticket will pay an average of $59 monthly. Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$35
2,501-5,000 Miles$72
5,001-7,500 Miles$91
7,501-10,000 Miles$70
10,000+ Miles$127

Another factor that impacts your insurance premiums is how much you drive. Those who drive less often are less likely to get speeding tickets, so they'll normally be offered less expensive prices. Above, you can see that BMW X4 owners who drive fewer than 2,500 miles a year pay about $35 per month for car insurance, while those who put 10,000 miles or more on their cars pay $127.

But if you don't use your BMW X4 that often, it may be worth learning about pay-per-mile or usage-based auto insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

Find your best rate in just a few minutes

How Do BMW X4s Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a BMW X4 is on your shortlist, you're probably wondering how it compares to other cars. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Visit the table below to see how the BMW X4 compares:

BMW X4 National Average
Liability Insurance$99$81
Full Coverage Insurance$262$169
Base MSRP$51,800$46,192
Average Annual Mileage8,05911,617

As you can see, the BMW X4 is pretty much in line with the average vehicle price here in the U.S. The average vehicle MSRP in the U.S. is $46,192, and the X4 comes in close to that at $51,800.

But while the purchase price runs about average, insurance rates run above average when compared to other vehicles on the market. Liability insurance for a BMW X4 is around $18 per month more than average, while full coverage is over $50 more a month.

When it comes to usage, BMW X4 owners drive fewer miles annually than the national average, with 8,059 miles per year compared to 11,617 for all vehicles.

BMW X4 Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's auto insurance premiums. If you're in thinking about buying a new car, truck, or SUV and the X4 is on your wishlist, knowing what you can expect to pay can be extremely valuable as you weigh your choices.

2022 BMW X4 Car Insurance

Liability Only Avg. Premium$99
Full Coverage Avg. Premium$262
Base MSRP$51,800
Cheapest Insurance CompanyMercury - $99/mo.
Available TrimsM, M40I, XDRIVE30I

When it comes to auto insurance, it costs about $99 monthly, on average, to insure a 2022 BMW X4 for liability only and $262 a month for full coverage. And if you want the cheapest insurance possible, Mercury offers liability only policies for as low as just $99 per month.

While it's helpful to know how much the average driver pays for insurance, there's no way to know exactly how much you'll pay without getting a personalized quote. Luckily, with you can get quotes from a variety of companies at once, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

Find your best rate in just a few minutes

2021 BMW X4 Car Insurance

Liability Only Avg. Premium$67
Full Coverage Avg. Premium$179
Base MSRP$51,600
Cheapest Insurance CompanyHugo - $23/mo.

If you're looking to buy a 2021 X4 or already own one, you can expect an average insurance price of around $67 for liability or $179 for full coverage.

And if you're just looking for the lowest car insurance for your X4, Hugo offers liability only policies for as little as $23 a month.

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

Find your best rate in just a few minutes

2020 BMW X4 Car Insurance

Liability Only Avg. Premium$101
Full Coverage Avg. Premium$209
Base MSRP$51,100
Cheapest Insurance CompanyShelter Mutual - $26/mo.

You can expect full coverage for a 2020 BMW X4 to run about $209 monthly, while liability only coverage will average around $101 per month.

Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as cheap as $26 a month.

Interested in what your auto insurance premium will be? Just enter your ZIP code below to get several customized quotes for free.

Find your best rate in just a few minutes

2019 BMW X4 Car Insurance

Liability Only Avg. Premium$92
Full Coverage Avg. Premium$221
Base MSRP$50,450
Cheapest Insurance CompanyLiberty Mutual - $26/mo.
Available TrimsM40I, XDRIVE30I

2019 X4 drivers can expect to pay an average of $92 monthly for liability or $221 for full coverage.

Liberty Mutual offered the cheapest policy we found, with rates as little as just $26 per month.

These average prices are a great starting point if you're in the market for a 2019 BMW X4, but there are a multitude of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

Find your best rate in just a few minutes

2018 BMW X4 Car Insurance

Liability Only Avg. Premium$53
Full Coverage Avg. Premium$174
Base MSRP$47,600
Cheapest Insurance CompanyDirectGeneral - $30/mo.
Available TrimsXDRIVE28I, XDRIVEM40I

On average, drivers who own a 2018 BMW X4 can expect to pay $53 to $174 monthly for liability only and full coverage insurance, respectively.

DirectGeneral has rates sometimes as little as $30 per month for the 2018 BMW X4.

Want to know exactly what your car insurance price will be? Get multiple free customized quotes by just entering your ZIP code below.

Find your best rate in just a few minutes

2017 BMW X4 Car Insurance

Liability Only Avg. Premium$100
Full Coverage Avg. Premium$209
Base MSRP$45,550
Cheapest Insurance CompanySafeAuto - $36/mo.
Available TrimsXDRIVE28I, XDRIVEM40I

It costs about $100 a month for liability or $209 for a full coverage policy for the 2017 X4.

With premiums sometimes as low as $36 per month, SafeAuto offered the most affordable 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.

Find your best rate in just a few minutes

2016 BMW X4 Car Insurance

Liability Only Avg. Premium$108
Full Coverage Avg. Premium$184
Base MSRP$45,250
Cheapest Insurance CompanyClearcover - $38/mo.

The average cost to insure a 2016 BMW X4 with liability only coverage is $108 a month, while full coverage runs around $184 monthly.

With prices as low as $38 per month, Clearcover offered the lowest policy we found for the 2016 BMW X4.

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

Find your best rate in just a few minutes

2015 BMW X4 Car Insurance

Liability Only Avg. Premium$54
Full Coverage Avg. Premium$182
Base MSRP$44,700
Cheapest Insurance CompanyClearcover - $34/mo.
Available TrimsXDRIVE28I, XDRIVE35I

It costs about $54 monthly for liability or $182 for a full coverage policy for the 2015 X4.

We found Clearcover offered the cheapest policy, with rates as cheap as just $34 a month.

What will your insurance rate be? Just enter your ZIP code below to get lots of free customized quotes.

Find your best rate in just a few minutes

BMW X4 Insurance FAQs

Is a BMW X4 expensive to insure?

It costs more to insure a BMW X4 when compared to the average vehicle. Liability insurance runs an average of $79 per month, while full coverage will cost you around $192.

How can I get the best price on car insurance for my BMW X4?

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like let you compare rates from many carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my BMW X4 affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not the case. Although there are several variables car insurance companies use when they decide how much to charge, the color of your vehicle is not factored into that equation.

Do I need to have insurance before I buy a BMW X4?

You'll need to have valid auto insurance for your X4 before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but your best bet is letting your car insurance carrier know beforehand.

What car insurance discounts can I get for my BMW X4?

You will find a variety of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the car you drive, but if your X4 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes