BMW M4 insurance costs average $150 monthly for minimum coverage and $294 per month for full coverage. But, depending on your particular trim and model year, costs can range from $97 to $262 for BMW M4 monthly.
BMW M4 Insurance Cost
Updated: November 15, 2025
Key Takeaways
BMW M4 insurance costs range from $97 to $262 monthly depending on your specific trim and model year choice.
The BMW M4 ranks 722nd out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
UAIC provides the most affordable BMW M4 insurance at $194 monthly for full coverage and $113 monthly for minimum coverage policies.
How Much Is BMW M4 Insurance?
| BMW M4 | $150 | $294 |
BMW M4 Insurance Cost by Model Year
Your BMW M4's model year and available trims affect insurance rates, with newer vehicles costing more due to higher fair value. Monthly costs range from $113 for older models to $344 for the newest M4s, creating significant savings opportunities based on your vehicle choice.
| 2026 | $175 | $344 |
| 2025 | $168 | $330 |
| 2024 | $161 | $316 |
| 2023 | $153 | $299 |
| 2022 | $125 | $246 |
| 2021 | $113 | $222 |
| 2020 | $121 | $238 |
| 2019 | $164 | $321 |
| 2018 | $148 | $289 |
| 2017 | $141 | $275 |
| 2016 | $175 | $342 |
| 2015 | $115 | $224 |
BMW M4 Insurance Cost by Trim
Your BMW M4's trim impacts insurance costs based on performance features, market value and replacement expenses. Monthly premiums vary widely across trim levels, ranging from $128 for base models to $512 for high-performance variants like the GTS, according to our analysis.
| 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 Company
BMW M4 insurance costs range from $173 to $347 monthly depending on your provider. Minimum coverage spans $113 to $230, while full coverage costs $194 to $496. Rates vary due to different risk assessment models.
| Kemper | $113 | $234 |
| Travelers | $130 | $242 |
| GEICO | $131 | $287 |
| Progressive | $134 | $250 |
| State Farm | $140 | $296 |
| The Hartford | $146 | $249 |
| UAIC | $157 | $194 |
| Nationwide | $161 | $281 |
| AAA | $168 | $351 |
| Chubb | $175 | $353 |
| Allstate | $181 | $351 |
| Amica | $188 | $386 |
| AIG | $198 | $496 |
| Farmers | $230 | $404 |
BMW M4 Insurance Cost by State
BMW M4 car insurance costs vary dramatically by location, ranging from $135 monthly in Wyoming to $470 in Louisiana.
| 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 |
BMW M4 Insurance Cost by Driver Profile
Your age and driving record heavily influence BMW M4 insurance costs. Monthly rates can reach $741 for Young Drivers under 25 and drop to just $150 for Adult Drivers between ages 26-64 with clean records.
| Adult Drivers | $150 | $294 |
| Young Drivers | $382 | $741 |
| Senior Drivers | $200 | $370 |
| Drivers With a Speeding Ticket | $187 | $369 |
| Drivers With an Accident | $221 | $431 |
| Drivers With a DUI | $280 | $543 |
| Drivers With Bad Credit | $369 | $745 |
Is a BMW M4 Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW M4 ranks 722nd, making it one of the most expensive cars to insure. Among sports cars, the model is also on the more expensive end.
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect BMW Car Insurance Costs
Several factors affect what you'll pay for BMW M4 insurance coverage:
- Age (predominantly younger): M4 buyers tend to be younger than overall BMW demographics, attracting performance-focused professionals in their 30s to 40s with higher risk-taking behaviors.
- Gender (heavily male-skewed): Sports coupes like the M4 attract predominantly male buyers (60 to 70%+) who statistically engage in more aggressive driving behaviors.
- Income ($120,000 to $175,000+): Higher than average BMW buyers due to the M4's $79,000+ starting price, representing successful professionals and entrepreneurs.
- Lifestyle Profile: Performance enthusiasts who may engage in track days, spirited driving and modifications that increase insurance risk beyond standard luxury car buyers.
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423. BMW M4 repair costs average $1,923 annually, making it one of BMW's more expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The M4's extreme performance capabilities elevate insurance risk factors. Current models produce 473-523 horsepower from the twin-turbo S58 engine, with 0 to 60 mph times around 3.3 seconds.
Premium features like M Compound brakes, carbon fiber roof, adaptive M suspension, and Competition/xDrive variants increase both replacement costs and performance-related risk.
Fuel Type
Due to its track-focused engineering, the M4's high-performance twin-turbo inline-six demands premium gasoline and intensive maintenance. The sophisticated engine management, advanced turbocharging and performance-oriented calibration require specialized service procedures and frequent monitoring.
High-performance driving characteristics lead to accelerated wear of consumables like tires, brakes and fluids, resulting in higher ongoing costs that insurance companies factor into comprehensive coverage calculations.
Location
M4 ownership concentrates in affluent metropolitan areas with established BMW dealership networks and performance driving culture. Key markets include California, Northeast corridors and wealthy urban centers.
These high-cost regions typically experience elevated insurance rates due to increased traffic density, higher accident repair costs, greater theft risk for high-profile performance vehicles and premium labor rates at certified BMW M service centers.
Driver Profile
The BMW M4 attracts affluent performance enthusiasts with distinct demographic characteristics that create specific insurance risk profiles:
How to Lower the Cost of BMW M4 Insurance
Below we explore the top car insurance discounts available for your BMW M4:
- 1Choose the right coverage
Choosing how much coverage to buy comes down to what your BMW is worth, how often you drive it and what your budget can handle. Your options range from bare-minimum liability with a $1,000 deductible to a 100/300/100 setup with a $500 deductible, and if you’re financing or leasing, you may consider gap coverage.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your BMW M4, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
BMW M4 owners can lock in lower rates by stacking discounts tied to multiple cars, bundled policies, advanced safety tech, clean driving records and high-earning professions. Since most M4 drivers own other vehicles, have significant assets and qualify through professional occupations, these savings stack fast even on a high-performance car.
- 5Consider alternative car insurance types
BMW M4 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW M4 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW M4 Insurance Cost: Bottom Line
Insuring a BMW M4 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW M4 Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW M4.
What is the average cost of car insurance for a BMW M4?
The BMW M4's average annual insurance cost is $1,799 for minimum coverage and $3,526 for full coverage.
What company has the cheapest car insurance for a BMW M4?
M4 drivers can find the most affordable full coverage car insurance through UAIC, with average monthly premiums of $194. For minimum coverage policies, Kemper offers the cheapest rates at $113 monthly for M4 owners.
Are BMW M4s expensive to insure?
Compared to the rest of the models on the U.S. market, a BMW M4 ranks 722nd, making it one of the most expensive cars to insure. Among sports cars, the model is also on the more expensive end.
What factors affect insurance costs for BMW M4s?
Several things drive up your BMW M4 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower BMW M4 insurance costs?
Shop around with multiple insurers as rates vary for BMWs, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW M4 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.