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: September 30, 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. That puts 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?
The BMW M4 ranks 57th for affordability among 115 sports cars in MoneyGeek's database. It costs a few dollars more a month than a Ferrari 488 and a few dollars less than a Ferrari F8.
Sports cars are expensive to insure as a category. Across all 827 models in the database, the M4 ranks 722nd, so it's in the top 25% most expensive. The Mazda MX-5 Miata is the cheapest sports car to insure, and the Rolls Royce La Rose Noire is the most expensive.
| 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 a year. That ranks 12th most expensive among BMW's 30 models. It's still cheaper to maintain than most other BMW performance models.
- Vehicle Trim, Features and Accessories: The M4's horsepower (473 to 503 hp) and 0-60 mph time of 3.8 to 4.1 seconds push up premiums. Insurers charge more for higher-performance trims because of the added risk and costlier repairs that come with more powerful engines.
- Driver Profile: Most BMW M4 drivers are between 30 and 45 years old, and higher income often means lower rates. Insurers also weigh the M4's reputation for performance driving, which can raise rates for some drivers. 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 and driver age both affect BMW M4 insurance costs. A 35- to 55-year-old driver pays around $297 a month for full coverage on a 2017 BMW M4, versus $353 a month for a 2026 model. Newer vehicles cost more to insure across the board, and teen drivers pay higher premiums regardless of model year.
Kemper consistently offers the lowest BMW M4 insurance rates across all model years.
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
Minimum coverage on the Competition Coupe 2D is $128 a month. Full coverage on the GTS Coupe 2D is $512. A trim's market value and performance level determine where it falls in that 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
Wyoming drivers pay $66 a month for minimum coverage on a BMW M4. Louisiana drivers pay $305. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.
| 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
These steps cut BMW M4 insurance costs without trading away the coverage you need.
- 1Choose the right coverage
Coverage needs depend on how you own the M4. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for performance vehicles give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. The cheapest car insurance companies data shows which carriers price low for M4 drivers specifically.
- 3Look for more than just low rates
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
BMW M4 owners commonly qualify for safety feature discounts, good driver credits, bundling savings and anti-theft device discounts. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. M4 drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
BMW M4 Insurance Cost: Bottom Line
The BMW M4 costs more to insure than most vehicles. Compare quotes from at least three insurers and stack available discounts to find your lowest rate.
BMW M4 Insurance Rates: FAQ
BMW M4 insurance averages $150 a month for state minimum coverage and $294 a month for full coverage. State minimum coverage runs $1,799 a year, and full coverage runs $3,526 a year.
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.
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.
BMW M4 insurance runs higher because of the car's high-performance engine. Specialized parts are expensive to source and repair, and insurers price that risk into premiums. Your driving record and credit score matter too. Coverage choices also shape the final cost, since insurers classify sports cars as higher-risk vehicles from the start.
Good driver discounts, anti-theft device discounts and bundling home and auto are the highest-value savings available for an M4. Usage-based programs offer another path to lower costs. Progressive Snapshot, for example, rewards lower-mileage drivers with clean habits with reduced premiums.
How We Determined BMW M4 Insurance Costs
BMW M4 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.