Compare the Cost of BMW 4 Series Insurance by Model Year and Company

Insurance rates for a BMW 4 Series vary depending on the driver's age and the car's model year. For example, insuring a 2015 model for a 16-year-old costs $7,884 per year versus $1,752 for a 40-year-old. Insurance for a 2022 model costs $9,347 for a 16-year-old driver and $2,082 for a 40-year-old. MoneyGeek has rated the best insurers offering a balance of affordability, service and claims experience.

BMW 4 Series insurance costs an average $1,970 per year, but the provider you choose can significantly impact your premiums. State Farm is the cheapest option for full coverage at $1,618 per year, while Allstate is the most expensive at $2,363 per year.

For minimum coverage, the cheapest provider is State Farm at $473 per year, while the most expensive is Progressive at $732 per year. Prices can vary based on the driver's age, location and driving history, so always compare rates from multiple providers to find the best deal.

Insurers consider many factors when determining insurance costs for a BMW 4 Series. This model series is expensive to insure because it has a high MSRP rate of $46,195, and the National Highway Traffic Safety Administration (NHTSA) reports it is stolen at a higher rate than average. In addition, sports cars are pricier to insure because their drivers are more likely to take risks.

When shopping for BMW 4 Series insurance, consider other factors besides cost. The best car insurance companies also provide excellent customer service and claims experience.

Based on MoneyGeek's rating, State Farm and GEICO are the top-rated insurers for the BMW 4 Series.

• State Farm: MoneyGeek score of 90 out of 100 ($1,618 per year)
• Travelers: MoneyGeek score of 89 out of 100 ($1,758 per year)

State Farm scored highest in customer satisfaction, while Travelers scored higher in coverages offered and customer claims experience.

The annual cost of insuring a 2022 BMW 4 Series is approximately $2,082, while insuring a 2015 model costs $1,752 per year. Newer model years are generally pricier to insure due to their higher value and repair costs.

The average cost of car insurance will vary by insurer and model year. State Farm offers the cheapest full coverage rates for a 2015 BMW 4 Series at $1,440 per year, while Nationwide offers the cheapest for a 2022 model at $1,665 per year.

The cost to insure a BMW 4 Series depends on the driver's age. Insurance for a 16-year-old costs $8,551 a year, while a 40-year-old pays $1,901 yearly. Young drivers pay more than older ones, but the rates typically level off when drivers reach their 20s and begin to decrease after age 30.

Adding a teen to a family plan is usually cheaper than buying an individual teen car insurance policy. State Farm offers the cheapest individual plan for 16-year-olds at $6,031 per year, while Progressive has the most expensive at $13,310 per year. Families should shop around to find the best deal.

Many factors influence the insurance price for a BMW 4 Series, including the model year, driver age and location. Where you live can significantly impact the cost of insurance, so the least expensive insurance company for a particular car model can vary by state.

Always obtain estimates from your state's most economical car insurance providers when looking for coverage for your BMW 4 Series.

Drivers shopping for car insurance for BMW 4 Series may have questions about cost and quality. MoneyGeek provides answers to help you get started.