BMW 4 Series Insurance Cost

Auto insurance for a BMW 4 Series will cost about $2,415 per year.

This is more than the national average for luxury coupe models by $348. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW 4 Series.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

BMW 4 Series insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW 4 Series Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $8,179 $12,183 $14,401
18 $7,622 $11,353 $13,421
19 $6,736 $10,033 $11,860
20 $5,874 $8,749 $10,342
21 $4,926 $7,337 $8,673
22 $4,797 $7,145 $8,446
23 $4,197 $6,252 $7,390
24 $3,988 $5,939 $7,021
25 $3,441 $5,126 $6,059
30 $2,681 $3,993 $4,720
35 $2,511 $3,740 $4,421
40 $2,415 $3,597 $4,251
45 $2,350 $3,500 $4,137
55 $2,155 $3,210 $3,794
65 $2,248 $3,348 $3,958
75 $2,837 $4,226 $4,995

BMW 4 Series car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW 4 Series by state.

BMW 4 Series Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,558 $3,584 $4,485
Alaska $2,116 $3,082 $3,229
Arizona $2,392 $3,711 $5,292
Arkansas $2,623 $3,973 $4,445
California $2,920 $5,108 $2,920
Colorado $2,725 $3,773 $4,706
Connecticut $3,482 $5,383 $6,895
Delaware $2,883 $3,969 $5,269
Florida $3,432 $4,662 $6,078
Georgia $2,798 $4,313 $4,425
Hawaii $1,118 $1,543 $1,118
Idaho $1,942 $2,613 $3,253
Illinois $2,033 $3,004 $3,484
Indiana $2,088 $3,263 $3,808
Iowa $1,654 $2,481 $2,891
Kansas $2,200 $3,240 $3,837
Kentucky $3,181 $4,785 $5,627
Louisiana $4,084 $6,241 $6,719
Maine $1,544 $2,071 $3,022
Maryland $2,499 $3,664 $4,327
Massachusetts $2,004 $3,389 $2,004
Michigan $4,836 $7,270 $11,178
Minnesota $1,991 $2,674 $3,958
Mississippi $2,403 $3,630 $3,834
Missouri $2,264 $3,118 $4,033
Montana $2,302 $3,602 $3,973
Nebraska $1,946 $2,755 $3,134
Nevada $3,210 $4,845 $5,315
New Hampshire $2,233 $3,599 $4,583
New Jersey $2,460 $3,878 $5,003
New Mexico $2,512 $3,615 $4,060
New York $2,327 $3,030 $4,891
North Carolina $1,442 $2,329 $1,795
North Dakota $1,974 $3,038 $3,857
Ohio $1,760 $2,878 $2,982
Oklahoma $2,811 $4,220 $4,786
Oregon $2,558 $3,863 $4,431
Pennsylvania $2,154 $3,258 $3,739
Rhode Island $3,597 $5,519 $6,312
South Carolina $2,443 $3,535 $5,044
South Dakota $2,191 $3,015 $3,617
Tennessee $2,577 $3,855 $4,864
Texas $2,596 $3,820 $4,795
Utah $2,208 $3,193 $4,403
Vermont $1,700 $2,718 $2,971
Virginia $1,601 $2,411 $2,561
Washington $2,120 $3,184 $3,755
West Virginia $2,133 $3,106 $3,835
Wisconsin $2,126 $3,104 $3,769
Wyoming $1,985 $2,917 $3,261

Other BMW 4 Series Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW 4 Series costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: