Insurance premiums for a BMW M4 average $294 monthly for full coverage and $150 for minimum coverage. Your specific trim and model year affect costs, with monthly premiums ranging from $113 to $512.
BMW M4 Insurance Cost
Updated: January 19, 2026
Key Takeaways
Kemper offers the most affordable BMW M4 insurance rates on average, though full coverage usually ranges from about $246 to $344 per month, depending on your model year and insurer. Read more
The M4 ranks 57th out of 115 sports cars for insurance affordability, placing it in the middle tier for its vehicle type. Read more
For the most accurate rates, check costs specific to your M4's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific M4 model years, depending on the age of the drivers.
How Much Is BMW M4 Insurance?
| BMW M4 | $150 | $294 |
Looking for another BMW model? Read more about the cost of BMW car insurance models.
Your BMW M4's insurance costs range from $113 monthly for older models to $344 for the newest ones. Like other vehicles, the M4's age greatly affects insurance rates since newer models have higher fair market values that cost more to replace.
Insurance costs for a BMW M4 depend on model year and company. Full coverage goes from $194 monthly with UAIC to $496 with AIG, while minimum coverage ranges from $113 with Kemper to $230 with Farmers.
BMW M4 owners should shop between insurers since minimum coverage varies by over $117 and full coverage by over $302. Each company calculates risk differently for the BMW M4, affecting your final quote.
| AAA | $168 | $351 |
| AIG | $198 | $496 |
| Allstate | $181 | $351 |
| Amica | $188 | $386 |
| Chubb | $175 | $353 |
| Farmers | $230 | $404 |
| Geico | $131 | $287 |
| Kemper | $113 | $234 |
| Nationwide | $161 | $281 |
| Progressive | $134 | $250 |
| State Farm | $140 | $296 |
| The Hartford | $146 | $249 |
| Travelers | $130 | $242 |
| UAIC | $157 | $194 |
Is BMW M4 Expensive to Insure?
MoneyGeek's analysis of 115 sports cars shows the BMW M4 ranking 57th for affordability, with 56 vehicles costing less to insure. It's positioned just a few dollars per month more expensive than a Ferrari 488 and slightly cheaper than a Ferrari F8. This middle-tier placement among sports cars provides helpful context for potential buyers.
While it's middle of the pack for sports cars, the M4 ranks 722nd out of 827 total vehicles, placing it among the top 25% most expensive cars to insure. The Mazda MX-5 Miata claims the most affordable sports car spot, while the Rolls Royce La Rose Noire commands the highest premiums.
| Porsche Panamera | $217 | 54 |
| Mclaren GTS | $218 | 55 |
| Ferrari 488 | $218 | 56 |
| BMW M4 | $222 | 57 |
| Ferrari F8 | $223 | 58 |
| Mclaren 750S | $223 | 59 |
| Aston Martin Vanquish | $224 | 60 |
| Ferrari California | $224 | 60 |
Several factors affect what you'll pay for BMW M4 insurance:
- Average Repair or Replacement Costs: BMW M4 repair costs average $1,923 annually, making it the 12th most expensive BMW model to maintain out of 30. While repair costs are substantial, it's more affordable than many other BMW performance models.
- Vehicle Trim, Features and Accessories: The M4's impressive performance capabilities (473-503 horsepower, 0-60 mph in 3.8-4.1 seconds) drive up insurance premiums. Higher-performance variants cost more to insure due to increased risk and repair complexity from extreme horsepower.
- Driver Profile:Â Most BMW M4 drivers fall between the ages of 30 and 45, and higher income leads to lower rates. However, the M4's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of BMW M4s for young drivers.
BMW M4 Costs by Model Year and Driver Age by Insurance Company
Model year plays a crucial role in determining your BMW M4 insurance costs, along with driver age factors. A 35- to 55-year-old driver pays around $297 monthly for full coverage on a 2017 BMW M4 compared to $353 for a 2026 model. Newer vehicles consistently cost more to insure, and teen drivers face higher premiums across all model years.
Kemper consistently offers the lowest BMW M4 insurance rates across all model years.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW M4
| Kemper | $116 | $240 |
| National General | $135 | $276 |
| Travelers | $140 | $260 |
| Progressive | $149 | $279 |
| Geico | $151 | $331 |
| The Hartford | $152 | $259 |
| State Farm | $162 | $343 |
| UAIC | $166 | $207 |
| Nationwide | $176 | $307 |
| AAA | $179 | $374 |
| Chubb | $196 | $397 |
| Allstate | $203 | $395 |
| Amica | $205 | $422 |
| AIG | $210 | $526 |
| Farmers | $266 | $469 |
2025 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,292 | $1,136 | $1,004 | $869 | $767 | $651 | $592 | $528 | $483 | $426 |
| Nationwide | $1,391 | $1,271 | $1,170 | $994 | $841 | $543 | $504 | $471 | $445 | $399 |
| Travelers | $1,578 | $1,132 | $893 | $688 | $608 | $445 | $406 | $375 | $346 | $300 |
| Allstate | $1,878 | $1,474 | $1,189 | $877 | $786 | $616 | $558 | $527 | $496 | $439 |
| Geico | $1,891 | $1,381 | $1,161 | $846 | $723 | $586 | $541 | $445 | $421 | $380 |
| Progressive | $2,021 | $1,640 | $1,361 | $756 | $660 | $533 | $476 | $425 | $391 | $336 |
| Farmers | $2,929 | $2,173 | $1,930 | $1,212 | $1,145 | $875 | $776 | $743 | $704 | $591 |
Cost of Car Insurance for 2024 BMW M4
| Kemper | $111 | $229 |
| National General | $129 | $264 |
| Travelers | $134 | $249 |
| Progressive | $142 | $267 |
| Geico | $144 | $316 |
| The Hartford | $145 | $247 |
| State Farm | $155 | $328 |
| UAIC | $158 | $198 |
| Nationwide | $168 | $293 |
| AAA | $171 | $358 |
| Chubb | $187 | $379 |
| Allstate | $194 | $378 |
| Amica | $196 | $404 |
| AIG | $201 | $503 |
| Farmers | $254 | $448 |
2024 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,235 | $1,086 | $960 | $831 | $733 | $623 | $566 | $505 | $462 | $407 |
| Nationwide | $1,330 | $1,216 | $1,118 | $950 | $804 | $520 | $482 | $450 | $426 | $381 |
| Travelers | $1,508 | $1,082 | $854 | $658 | $581 | $425 | $389 | $359 | $331 | $287 |
| Allstate | $1,795 | $1,409 | $1,137 | $839 | $751 | $589 | $533 | $503 | $475 | $420 |
| Geico | $1,808 | $1,320 | $1,110 | $808 | $691 | $561 | $517 | $425 | $402 | $364 |
| Progressive | $1,933 | $1,568 | $1,302 | $723 | $631 | $510 | $455 | $406 | $374 | $321 |
| Farmers | $2,800 | $2,077 | $1,846 | $1,159 | $1,095 | $836 | $742 | $710 | $673 | $565 |
Cost of Car Insurance for 2023 BMW M4
| Kemper | $105 | $217 |
| National General | $122 | $250 |
| Travelers | $127 | $236 |
| Progressive | $135 | $253 |
| Geico | $137 | $300 |
| The Hartford | $137 | $234 |
| State Farm | $147 | $311 |
| UAIC | $150 | $188 |
| Nationwide | $159 | $278 |
| AAA | $162 | $339 |
| Chubb | $177 | $359 |
| Allstate | $184 | $358 |
| Amica | $186 | $382 |
| AIG | $190 | $477 |
| Farmers | $241 | $425 |
2023 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,170 | $1,029 | $910 | $787 | $694 | $590 | $536 | $478 | $438 | $386 |
| Nationwide | $1,260 | $1,152 | $1,060 | $900 | $761 | $492 | $457 | $427 | $403 | $361 |
| Travelers | $1,429 | $1,025 | $809 | $623 | $550 | $403 | $368 | $340 | $314 | $272 |
| Allstate | $1,701 | $1,335 | $1,077 | $795 | $712 | $558 | $505 | $477 | $450 | $398 |
| Geico | $1,713 | $1,251 | $1,052 | $766 | $655 | $531 | $490 | $403 | $381 | $345 |
| Progressive | $1,831 | $1,486 | $1,233 | $685 | $598 | $483 | $431 | $385 | $354 | $305 |
| Farmers | $2,653 | $1,968 | $1,749 | $1,098 | $1,037 | $792 | $703 | $673 | $638 | $536 |
Cost of Car Insurance for 2022 BMW M4
| Kemper | $86 | $178 |
| National General | $100 | $205 |
| Travelers | $104 | $193 |
| Progressive | $111 | $207 |
| Geico | $112 | $246 |
| The Hartford | $113 | $192 |
| State Farm | $121 | $255 |
| UAIC | $123 | $154 |
| Nationwide | $131 | $228 |
| AAA | $133 | $278 |
| Chubb | $146 | $295 |
| Allstate | $151 | $294 |
| Amica | $153 | $314 |
| AIG | $156 | $391 |
| Farmers | $198 | $348 |
2022 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $960 | $845 | $747 | $646 | $570 | $484 | $440 | $393 | $359 | $316 |
| Nationwide | $1,034 | $945 | $870 | $739 | $625 | $404 | $375 | $350 | $331 | $296 |
| Travelers | $1,173 | $841 | $664 | $511 | $452 | $331 | $302 | $279 | $258 | $223 |
| Allstate | $1,396 | $1,095 | $884 | $652 | $584 | $458 | $415 | $391 | $369 | $326 |
| Geico | $1,406 | $1,027 | $863 | $629 | $538 | $436 | $402 | $331 | $313 | $283 |
| Progressive | $1,503 | $1,219 | $1,012 | $562 | $491 | $396 | $354 | $316 | $291 | $250 |
| Farmers | $2,177 | $1,615 | $1,435 | $901 | $851 | $650 | $577 | $552 | $523 | $439 |
Cost of Car Insurance for 2021 BMW M4
| Kemper | $78 | $161 |
| National General | $90 | $185 |
| Travelers | $94 | $175 |
| Progressive | $100 | $187 |
| Geico | $101 | $222 |
| The Hartford | $102 | $174 |
| State Farm | $109 | $231 |
| UAIC | $111 | $139 |
| Nationwide | $118 | $206 |
| AAA | $120 | $252 |
| Chubb | $132 | $267 |
| Allstate | $137 | $266 |
| Amica | $138 | $284 |
| AIG | $141 | $354 |
| Farmers | $179 | $315 |
2021 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $868 | $764 | $675 | $584 | $515 | $438 | $398 | $355 | $325 | $286 |
| Nationwide | $935 | $855 | $786 | $668 | $565 | $365 | $339 | $317 | $299 | $268 |
| Travelers | $1,061 | $761 | $600 | $462 | $408 | $299 | $273 | $252 | $233 | $202 |
| Allstate | $1,262 | $991 | $799 | $590 | $528 | $414 | $375 | $354 | $334 | $295 |
| Geico | $1,272 | $928 | $781 | $568 | $486 | $394 | $363 | $299 | $283 | $256 |
| Progressive | $1,359 | $1,103 | $915 | $508 | $444 | $358 | $320 | $286 | $263 | $226 |
| Farmers | $1,969 | $1,461 | $1,298 | $815 | $770 | $588 | $522 | $499 | $473 | $397 |
Cost of Car Insurance for 2020 BMW M4
| Geico | $97 | $213 |
| Travelers | $99 | $184 |
| Kemper | $102 | $212 |
| National General | $107 | $220 |
| State Farm | $108 | $227 |
| Progressive | $109 | $204 |
| Nationwide | $114 | $198 |
| The Hartford | $121 | $206 |
| UAIC | $143 | $179 |
| AAA | $146 | $305 |
| Allstate | $150 | $290 |
| Chubb | $156 | $314 |
| Amica | $169 | $348 |
| AIG | $176 | $439 |
| Farmers | $193 | $337 |
2020 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $853 | $750 | $663 | $573 | $506 | $430 | $391 | $349 | $319 | $281 |
| Nationwide | $896 | $820 | $754 | $641 | $542 | $352 | $326 | $304 | $288 | $258 |
| Travelers | $1,106 | $797 | $629 | $485 | $428 | $315 | $287 | $265 | $245 | $212 |
| Geico | $1,209 | $885 | $743 | $541 | $464 | $376 | $346 | $286 | $270 | $245 |
| Allstate | $1,379 | $1,081 | $873 | $646 | $578 | $451 | $410 | $387 | $365 | $323 |
| Progressive | $1,476 | $1,196 | $993 | $551 | $482 | $388 | $346 | $310 | $285 | $245 |
| Farmers | $2,069 | $1,535 | $1,366 | $868 | $821 | $629 | $556 | $534 | $505 | $425 |
Cost of Car Insurance for 2019 BMW M4
| National General | $122 | $251 |
| Geico | $139 | $304 |
| Kemper | $141 | $294 |
| State Farm | $148 | $310 |
| Progressive | $149 | $279 |
| Travelers | $157 | $290 |
| The Hartford | $182 | $311 |
| UAIC | $186 | $227 |
| Chubb | $188 | $378 |
| Nationwide | $192 | $334 |
| Allstate | $197 | $381 |
| AAA | $200 | $417 |
| Amica | $212 | $435 |
| Farmers | $235 | $412 |
| AIG | $238 | $592 |
2019 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,164 | $1,024 | $906 | $782 | $691 | $587 | $533 | $476 | $436 | $384 |
| Nationwide | $1,511 | $1,384 | $1,273 | $1,081 | $914 | $592 | $549 | $512 | $484 | $434 |
| Travelers | $1,665 | $1,217 | $962 | $748 | $659 | $494 | $452 | $418 | $386 | $334 |
| Geico | $1,713 | $1,251 | $1,053 | $768 | $658 | $534 | $492 | $407 | $385 | $349 |
| Allstate | $1,819 | $1,424 | $1,148 | $848 | $760 | $593 | $539 | $508 | $479 | $424 |
| Progressive | $2,025 | $1,637 | $1,358 | $755 | $659 | $532 | $475 | $424 | $390 | $335 |
| Farmers | $2,518 | $1,873 | $1,669 | $1,060 | $1,003 | $767 | $679 | $651 | $618 | $519 |
Cost of Car Insurance for 2018 BMW M4
| National General | $110 | $226 |
| Geico | $125 | $274 |
| Kemper | $127 | $265 |
| State Farm | $133 | $279 |
| Progressive | $134 | $251 |
| Travelers | $141 | $261 |
| The Hartford | $164 | $280 |
| UAIC | $168 | $204 |
| Chubb | $169 | $341 |
| Nationwide | $173 | $301 |
| Allstate | $177 | $343 |
| AAA | $180 | $375 |
| Amica | $191 | $392 |
| Farmers | $212 | $371 |
| AIG | $214 | $534 |
2018 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,049 | $923 | $816 | $705 | $622 | $529 | $481 | $429 | $393 | $346 |
| Nationwide | $1,362 | $1,247 | $1,148 | $974 | $824 | $533 | $495 | $462 | $436 | $391 |
| Travelers | $1,501 | $1,097 | $867 | $674 | $594 | $446 | $407 | $376 | $348 | $301 |
| Geico | $1,544 | $1,128 | $949 | $692 | $593 | $481 | $444 | $366 | $347 | $314 |
| Allstate | $1,639 | $1,283 | $1,034 | $764 | $684 | $534 | $485 | $458 | $432 | $382 |
| Progressive | $1,825 | $1,475 | $1,224 | $680 | $594 | $480 | $428 | $382 | $352 | $302 |
| Farmers | $2,269 | $1,687 | $1,504 | $955 | $903 | $691 | $611 | $587 | $557 | $467 |
Cost of Car Insurance for 2017 BMW M4
| National General | $105 | $214 |
| Geico | $119 | $260 |
| Kemper | $121 | $251 |
| State Farm | $126 | $265 |
| Progressive | $127 | $238 |
| Travelers | $134 | $248 |
| The Hartford | $156 | $266 |
| UAIC | $160 | $194 |
| Chubb | $161 | $324 |
| Nationwide | $164 | $286 |
| Allstate | $168 | $326 |
| AAA | $171 | $357 |
| Amica | $181 | $372 |
| Farmers | $201 | $352 |
| AIG | $204 | $507 |
2017 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $996 | $876 | $775 | $670 | $591 | $502 | $457 | $408 | $373 | $328 |
| Nationwide | $1,293 | $1,185 | $1,090 | $925 | $782 | $507 | $470 | $438 | $414 | $371 |
| Travelers | $1,425 | $1,042 | $824 | $640 | $564 | $423 | $387 | $358 | $330 | $286 |
| Geico | $1,467 | $1,071 | $901 | $657 | $563 | $457 | $422 | $348 | $329 | $299 |
| Allstate | $1,557 | $1,219 | $983 | $726 | $650 | $508 | $461 | $435 | $410 | $363 |
| Progressive | $1,733 | $1,401 | $1,163 | $646 | $564 | $456 | $406 | $363 | $334 | $287 |
| Farmers | $2,155 | $1,603 | $1,428 | $907 | $858 | $656 | $581 | $557 | $529 | $444 |
Cost of Car Insurance for 2016 BMW M4
| National General | $130 | $266 |
| Geico | $148 | $323 |
| Kemper | $150 | $312 |
| State Farm | $157 | $329 |
| Progressive | $158 | $296 |
| Travelers | $166 | $308 |
| The Hartford | $194 | $330 |
| UAIC | $198 | $241 |
| Chubb | $200 | $402 |
| Nationwide | $204 | $355 |
| Allstate | $209 | $405 |
| AAA | $213 | $443 |
| Amica | $225 | $462 |
| Farmers | $250 | $438 |
| AIG | $253 | $630 |
2016 BMW M4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,238 | $1,089 | $963 | $832 | $735 | $624 | $567 | $507 | $463 | $408 |
| Nationwide | $1,607 | $1,472 | $1,354 | $1,150 | $972 | $629 | $584 | $545 | $515 | $461 |
| Travelers | $1,771 | $1,294 | $1,024 | $795 | $701 | $526 | $481 | $444 | $410 | $355 |
| Geico | $1,822 | $1,331 | $1,120 | $817 | $700 | $568 | $524 | $432 | $409 | $371 |
| Allstate | $1,935 | $1,515 | $1,221 | $902 | $808 | $631 | $573 | $541 | $510 | $451 |
| Progressive | $2,154 | $1,741 | $1,445 | $803 | $701 | $566 | $505 | $451 | $415 | $356 |
| Farmers | $2,678 | $1,992 | $1,775 | $1,127 | $1,066 | $815 | $722 | $692 | $657 | $552 |
BMW M4 Insurance Cost by Trim
BMW M4 insurance costs range from $128 monthly for minimum coverage on Competition Coupe 2d models to $512 for full coverage on high-performance Gts Coupe 2d variants. Performance features and market value determine where your specific trim falls in this range.
| Competition Coupe 2d | $128 | $250 |
| Coupe 2d | $128 | $251 |
| Competition Xdrive Convertible Coupe 2d | $129 | $253 |
| Convertible 2d | $137 | $268 |
| Competition Xdrive Coupe 2d | $139 | $272 |
| Competition Xdrive Convertible 2d | $142 | $279 |
| M4 | $154 | $303 |
| Cs Coupe 2d | $155 | $302 |
| Competition | $162 | $318 |
| Competition Xdrive | $171 | $336 |
| Competition Xdrive Convertible | $185 | $363 |
| Csl Coupe 2d | $203 | $397 |
| Gts Coupe 2d | $262 | $512 |
BMW M4 Insurance Cost by State
BMW M4 insurance costs range from $66 monthly in Wyoming to $305 in Louisiana for minimum coverage, depending on where you're located. These differences aren't about the M4 itself but reflect your state's risk factors and how it regulates insurance.
| Alabama | $137 | $263 |
| Alaska | $112 | $238 |
| Arizona | $174 | $327 |
| Arkansas | $129 | $288 |
| California | $143 | $290 |
| Colorado | $151 | $362 |
| Connecticut | $186 | $322 |
| Delaware | $182 | $305 |
| Florida | $153 | $360 |
| Georgia | $191 | $320 |
| Hawaii | $79 | $178 |
| Idaho | $88 | $180 |
| Illinois | $141 | $267 |
| Indiana | $98 | $192 |
| Iowa | $96 | $230 |
| Kansas | $114 | $269 |
| Kentucky | $174 | $298 |
| Louisiana | $305 | $636 |
| Maine | $86 | $180 |
| Maryland | $217 | $369 |
| Massachusetts | $147 | $312 |
| Michigan | $225 | $438 |
| Minnesota | $137 | $290 |
| Mississippi | $138 | $275 |
| Missouri | $200 | $392 |
| Montana | $126 | $306 |
| Nebraska | $108 | $248 |
| Nevada | $213 | $388 |
| New Hampshire | $110 | $197 |
| New Jersey | $227 | $379 |
| New Mexico | $120 | $267 |
| New York | $162 | $291 |
| North Carolina | $112 | $221 |
| North Dakota | $108 | $240 |
| Ohio | $116 | $227 |
| Oklahoma | $148 | $330 |
| Oregon | $152 | $264 |
| Pennsylvania | $146 | $343 |
| Rhode Island | $184 | $329 |
| South Carolina | $142 | $265 |
| South Dakota | $98 | $310 |
| Tennessee | $120 | $244 |
| Texas | $173 | $352 |
| Utah | $139 | $238 |
| Vermont | $83 | $198 |
| Virginia | $144 | $232 |
| Washington | $130 | $243 |
| West Virginia | $143 | $292 |
| Wisconsin | $105 | $232 |
| Wyoming | $66 | $204 |
How to Lower the Cost of BMW M4 Insurance
We've compiled proven strategies to help you find affordable BMW M4 insurance rates:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your BMW M4. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for performance sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your BMW M4.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service for your BMW M4.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. BMW M4 owners often get safety features discounts, good driver rewards, bundling savings and anti-theft device discounts. These reductions can lower your premium costs when combined properly.
- 5Consider alternative car insurance types
BMW M4 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior rather than general risk factors.
- 6Check rates every year
Get car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your BMW M4 insurance. Regular shopping ensures you're getting the best available rates.
BMW M4 Insurance Cost: Bottom Line
BMW M4 insurance runs above average in cost, though you can still secure decent rates. Compare quotes from multiple insurers, maximize available discounts and adjust your coverage options to find better pricing.
BMW M4 Insurance Rates: FAQ
What is the average cost of car insurance for a BMW M4?
BMW M4 insurance averages $150 monthly for state minimum coverage and $294 for full coverage. Annual costs run $1,799 and $3,526 respectively.
What company has the cheapest car insurance for a BMW M4?
Kemper provides the most affordable minimum coverage for a BMW M4 at $1,353 annually. UAIC offers the best value for full coverage at $2,329 per year.
Are BMW M4s expensive to insure?
Yes, BMW M4s are expensive to insure, ranking 722nd out of 827 vehicles for affordability. Among sports cars specifically, it places 57th out of 115 models.
What factors affect insurance costs for BMW M4s?
Various factors affect BMW M4 insurance rates, with high-performance engines and expensive specialized parts driving up repair costs. Your personal driving record, credit score, and coverage selections impact your premium, as insurers view sports cars as higher-risk vehicles.
How can I lower BMW M4 insurance costs?
Compare quotes from multiple insurers since BMW M4 pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined BMW M4 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate BMW M4 insurance costs.
Who We Based These Rates On
These BMW M4 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.