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BMW 4 Series Insurance Cost

Auto insurance for a BMW 4 Series will cost about $2,948 per year.

This is more than the national average for luxury coupe models by $723. 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 $9,987 $14,665 $17,156
18 $9,307 $13,666 $15,988
19 $8,225 $12,078 $14,129
20 $7,172 $10,531 $12,320
21 $6,014 $8,831 $10,331
22 $5,857 $8,601 $10,062
23 $5,125 $7,526 $8,804
24 $4,869 $7,150 $8,364
25 $4,202 $6,170 $7,218
30 $3,273 $4,806 $5,623
35 $3,066 $4,502 $5,266
40 $2,948 $4,329 $5,065
45 $2,869 $4,213 $4,928
55 $2,631 $3,864 $4,520
65 $2,745 $4,030 $4,715
75 $3,464 $5,087 $5,951

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 $3,124 $4,537 $5,775
Alaska $2,584 $3,582 $3,482
Arizona $2,921 $4,223 $6,222
Arkansas $3,203 $5,032 $5,541
California $3,566 $6,306 $3,566
Colorado $3,328 $4,657 $5,909
Connecticut $4,251 $6,594 $8,370
Delaware $3,520 $4,691 $6,025
Florida $4,191 $5,798 $7,555
Hawaii $1,365 $1,853 $1,365
Idaho $2,371 $3,143 $3,821
Illinois $2,482 $3,751 $4,277
Indiana $2,550 $3,898 $4,374
Iowa $2,020 $2,770 $3,257
Kansas $2,687 $3,909 $4,572
Kentucky $3,884 $5,701 $6,733
Louisiana $4,986 $7,537 $8,172
Maine $1,885 $2,606 $3,848
Maryland $3,051 $4,441 $4,932
Massachusetts $2,447 $4,268 $2,447
Michigan $5,904 $8,998 $14,192
Minnesota $2,431 $3,241 $4,563
Mississippi $2,934 $4,185 $4,212
Missouri $2,765 $3,953 $5,193
Montana $2,811 $3,922 $4,565
Nebraska $2,376 $3,514 $3,817
Nevada $3,919 $5,813 $6,141
New Hampshire $2,726 $4,311 $5,450
New Jersey $3,004 $4,712 $6,167
New Mexico $3,067 $4,563 $4,736
New York $2,841 $3,578 $5,972
North Carolina $1,761 $3,026 $2,158
North Dakota $2,410 $3,663 $4,332
Ohio $2,149 $3,315 $3,399
Oklahoma $3,432 $4,914 $5,533
Oregon $3,123 $4,190 $5,005
Pennsylvania $2,630 $3,862 $4,519
Rhode Island $4,392 $6,442 $7,254
South Carolina $2,982 $4,133 $5,705
South Dakota $2,676 $3,856 $4,449
Tennessee $3,147 $4,633 $6,169
Texas $3,169 $4,579 $5,695
Utah $2,696 $3,778 $5,198
Vermont $2,075 $3,196 $3,378
Virginia $1,955 $3,002 $2,942
Washington $2,588 $3,513 $4,194
West Virginia $2,604 $3,729 $4,672
Wisconsin $2,596 $4,052 $4,622
Wyoming $2,423 $3,393 $3,613
Georgia $3,416 $5,109 $5,151

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: