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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a BMW 4 Series is $3,981 per year or $332 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2025 BMW 4 Series costs $3,981, whereas the 2024 BMW 4 Series costs $3,876 annually. This is $105 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 BMW 4 Series at $2,371 per year.
Below, we'll look at BMW 4 Series insurance rates and show you how to save.
Average insurance cost of BMW 4 Series by model year
| Year of BMW 4 Series model | Average cost to insure |
|---|---|
| 2025 | $3,981 |
| 2024 | $3,876 |
| 2023 | $3,729 |
| 2022 | $3,553 |
| 2021 | $3,354 |
Compare 4 Series insurance rates by state
| Company | Average annual premium |
|---|---|
| State Farm | $2,275 |
| Nationwide | $2,332 |
| UAIC | $2,761 |
| Travelers | $2,801 |
| GEICO | $4,527 |
| Allstate | $4,661 |
| Farmers | $4,713 |
| Mercury Insurance | $4,984 |
| Progressive | $5,483 |
| AIG | $6,484 |
BMW 4 Series insurance rates per year
2025 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $2,371 2 State Farm $3,282 3 Nationwide $3,293 4 Progressive $4,106 5 GEICO $4,152 6 Allstate $4,786 7 Farmers $5,157 8 USAA $2,659 2024 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $2,402 2 State Farm $2,973 3 Nationwide $3,274 4 GEICO $4,012 5 Progressive $4,171 6 Allstate $4,464 7 Farmers $5,021 8 USAA $3,160 2023 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $2,360 2 State Farm $2,836 3 Nationwide $3,299 4 GEICO $3,508 5 Progressive $4,063 6 Allstate $4,523 7 Farmers $4,899 8 USAA $3,047 2022 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $2,302 2 State Farm $2,686 3 Nationwide $3,223 4 GEICO $3,441 5 Progressive $3,808 6 Allstate $4,242 7 Farmers $4,718 8 USAA $2,893 2021 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $2,185 2 State Farm $2,677 3 GEICO $3,137 4 Nationwide $3,253 5 Progressive $3,623 6 Allstate $3,793 7 Farmers $4,398 8 USAA $2,701 2020 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $2,071 2 State Farm $2,637 3 Nationwide $2,931 4 GEICO $3,103 5 Progressive $3,328 6 Allstate $3,800 7 Farmers $4,252 8 USAA $2,456 2019 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $1,991 2 State Farm $2,565 3 GEICO $2,953 4 Nationwide $3,090 5 Progressive $3,174 6 Allstate $3,618 7 Farmers $4,114 8 USAA $2,346 2018 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Travelers $1,940 2 State Farm $2,386 3 GEICO $2,674 4 Nationwide $2,841 5 Progressive $3,102 6 Allstate $3,357 7 Farmers $3,906 8 USAA $2,182
BMW insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage