BMW 4 Series Insurance Cost

Auto insurance for a BMW 4 Series will cost about $2,256 per year.

This is more than the national average for luxury coupe models by $362. 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 $7,643 $11,223 $13,129
18 $7,123 $10,459 $12,235
19 $6,295 $9,243 $10,813
20 $5,488 $8,059 $9,428
21 $4,603 $6,758 $7,907
22 $4,482 $6,582 $7,700
23 $3,922 $5,759 $6,738
24 $3,726 $5,471 $6,401
25 $3,216 $4,722 $5,524
30 $2,505 $3,678 $4,303
35 $2,346 $3,445 $4,030
40 $2,256 $3,313 $3,876
45 $2,196 $3,224 $3,772
55 $2,014 $2,957 $3,459
65 $2,100 $3,084 $3,608
75 $2,651 $3,893 $4,554

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 $2,391 $3,472 $4,420
Alaska $1,977 $2,741 $2,664
Arizona $2,235 $3,232 $4,761
Arkansas $2,451 $3,851 $4,240
California $2,729 $4,826 $2,729
Colorado $2,547 $3,564 $4,522
Connecticut $3,254 $5,046 $6,405
Delaware $2,694 $3,590 $4,611
Florida $3,207 $4,437 $5,782
Georgia $2,615 $3,910 $3,942
Hawaii $1,044 $1,418 $1,044
Idaho $1,814 $2,405 $2,924
Illinois $1,899 $2,871 $3,273
Indiana $1,951 $2,983 $3,347
Iowa $1,546 $2,120 $2,492
Kansas $2,056 $2,992 $3,499
Kentucky $2,972 $4,363 $5,153
Louisiana $3,816 $5,768 $6,254
Maine $1,443 $1,994 $2,945
Maryland $2,335 $3,398 $3,775
Massachusetts $1,872 $3,266 $1,872
Michigan $4,519 $6,886 $10,861
Minnesota $1,860 $2,480 $3,492
Mississippi $2,245 $3,203 $3,224
Missouri $2,116 $3,025 $3,974
Montana $2,151 $3,001 $3,494
Nebraska $1,818 $2,689 $2,921
Nevada $2,999 $4,449 $4,699
New Hampshire $2,086 $3,299 $4,171
New Jersey $2,299 $3,606 $4,719
New Mexico $2,347 $3,492 $3,625
New York $2,174 $2,738 $4,570
North Carolina $1,348 $2,316 $1,651
North Dakota $1,844 $2,803 $3,315
Ohio $1,645 $2,537 $2,601
Oklahoma $2,626 $3,760 $4,234
Oregon $2,390 $3,207 $3,830
Pennsylvania $2,013 $2,956 $3,458
Rhode Island $3,361 $4,930 $5,552
South Carolina $2,282 $3,163 $4,366
South Dakota $2,048 $2,951 $3,405
Tennessee $2,408 $3,545 $4,721
Texas $2,425 $3,504 $4,358
Utah $2,063 $2,891 $3,978
Vermont $1,588 $2,446 $2,585
Virginia $1,496 $2,297 $2,252
Washington $1,981 $2,688 $3,210
West Virginia $1,993 $2,854 $3,575
Wisconsin $1,987 $3,101 $3,537
Wyoming $1,855 $2,596 $2,765

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: