BMW 4 Series Insurance Cost

Auto insurance for a BMW 4 Series will cost about $1,980 per year.

This is more than the national average for luxury coupe models by $193. 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 $6,708 $9,851 $11,524
18 $6,252 $9,180 $10,740
19 $5,525 $8,113 $9,491
20 $4,817 $7,074 $8,276
21 $4,040 $5,932 $6,940
22 $3,935 $5,778 $6,759
23 $3,443 $5,055 $5,914
24 $3,271 $4,803 $5,618
25 $2,822 $4,144 $4,848
30 $2,199 $3,229 $3,777
35 $2,059 $3,024 $3,537
40 $1,980 $2,908 $3,402
45 $1,927 $2,830 $3,311
55 $1,767 $2,595 $3,036
65 $1,844 $2,707 $3,167
75 $2,327 $3,417 $3,997

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 $2,098 $3,048 $3,879
Alaska $1,736 $2,406 $2,339
Arizona $1,962 $2,837 $4,179
Arkansas $2,151 $3,380 $3,722
California $2,395 $4,236 $2,395
Colorado $2,235 $3,128 $3,969
Connecticut $2,856 $4,429 $5,622
Delaware $2,364 $3,151 $4,047
Florida $2,815 $3,894 $5,075
Georgia $2,295 $3,432 $3,460
Hawaii $917 $1,245 $917
Idaho $1,593 $2,111 $2,567
Illinois $1,667 $2,520 $2,873
Indiana $1,713 $2,618 $2,938
Iowa $1,357 $1,860 $2,188
Kansas $1,805 $2,626 $3,071
Kentucky $2,609 $3,830 $4,523
Louisiana $3,349 $5,063 $5,489
Maine $1,266 $1,751 $2,585
Maryland $2,050 $2,983 $3,313
Massachusetts $1,644 $2,867 $1,644
Michigan $3,966 $6,044 $9,533
Minnesota $1,633 $2,177 $3,065
Mississippi $1,971 $2,811 $2,830
Missouri $1,857 $2,655 $3,488
Montana $1,888 $2,635 $3,067
Nebraska $1,596 $2,360 $2,564
Nevada $2,633 $3,905 $4,125
New Hampshire $1,831 $2,896 $3,661
New Jersey $2,018 $3,165 $4,142
New Mexico $2,060 $3,065 $3,182
New York $1,909 $2,403 $4,012
North Carolina $1,183 $2,033 $1,450
North Dakota $1,619 $2,461 $2,910
Ohio $1,444 $2,227 $2,283
Oklahoma $2,305 $3,301 $3,716
Oregon $2,098 $2,815 $3,362
Pennsylvania $1,767 $2,594 $3,035
Rhode Island $2,950 $4,327 $4,873
South Carolina $2,003 $2,777 $3,832
South Dakota $1,797 $2,590 $2,989
Tennessee $2,114 $3,112 $4,144
Texas $2,129 $3,076 $3,826
Utah $1,811 $2,538 $3,492
Vermont $1,394 $2,147 $2,269
Virginia $1,313 $2,016 $1,976
Washington $1,738 $2,360 $2,817
West Virginia $1,749 $2,505 $3,138
Wisconsin $1,744 $2,722 $3,105
Wyoming $1,628 $2,279 $2,427

BMW 4 Series Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW 4 Series ranks for Insurance compared to other vehicles. Also check out how the 4 Series stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

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: