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Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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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 $3,561 per year or $297 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 2024 BMW 4 Series costs $3,561, whereas the 2023 BMW 4 Series costs $3,471 annually. This is $90 less than the 2024 rates.
Nationwide offers the cheapest annual rate for 2024 BMW 4 Series at $2,496 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 |
|---|---|
| 2024 | $3,561 |
| 2023 | $3,471 |
| 2022 | $3,312 |
| 2021 | $3,123 |
| 2020 | $3,047 |
Compare 4 Series insurance rates by state
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 2 Door Convertible Automatic DOHC Turbo | $2,201 |
| Nationwide | 2WD 2 Door Convertible Automatic DOHC Turbo | $2,604 |
| State Farm | 2WD 2 Door Coupe Automatic DOHC Turbo | $2,688 |
| Nationwide | 2WD 2 Door Coupe Automatic DOHC Turbo | $2,804 |
| GEICO | 2WD 2 Door Coupe Automatic DOHC Turbo | $3,166 |
| GEICO | 2WD 2 Door Convertible Automatic DOHC Turbo | $3,335 |
| Progressive | 2WD 2 Door Coupe Automatic DOHC Turbo | $3,613 |
| Progressive | 2WD 2 Door Convertible Automatic DOHC Turbo | $3,632 |
| Allstate | 2WD 2 Door Coupe Automatic DOHC Turbo | $4,929 |
| Allstate | 2WD 2 Door Convertible Automatic DOHC Turbo | $5,413 |
BMW 4 Series insurance rates per year
2024 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Nationwide $2,496 2 State Farm $2,855 3 Progressive $3,530 4 GEICO $3,739 5 Farmers $4,172 6 Allstate $4,572 2023 BMW 4 Series insurance rates
Rank Company Average annual premium 1 Nationwide $2,627 2 State Farm $2,776 3 GEICO $3,483 4 Progressive $3,518 5 Farmers $4,125 6 Allstate $4,299 2022 BMW 4 Series insurance rates
Rank Company Average annual premium 1 State Farm $2,384 2 Nationwide $2,646 3 Progressive $3,400 4 GEICO $3,403 5 Farmers $4,018 6 Allstate $4,019 2021 BMW 4 Series insurance rates
Rank Company Average annual premium 1 State Farm $2,474 2 Nationwide $2,689 3 GEICO $3,082 4 Progressive $3,200 5 Allstate $3,573 6 Farmers $3,717 2020 BMW 4 Series insurance rates
Rank Company Average annual premium 1 State Farm $2,475 2 Nationwide $2,693 3 Progressive $2,883 4 GEICO $3,031 5 Allstate $3,590 6 Farmers $3,609 2019 BMW 4 Series insurance rates
Rank Company Average annual premium 1 State Farm $2,444 2 Nationwide $2,685 3 Progressive $2,760 4 GEICO $2,894 5 Allstate $3,380 6 Farmers $3,502 2018 BMW 4 Series insurance rates
Rank Company Average annual premium 1 State Farm $2,195 2 GEICO $2,584 3 Nationwide $2,629 4 Progressive $2,633 5 Allstate $3,081 6 Farmers $3,257 2017 BMW 4 Series insurance rates
Rank Company Average annual premium 1 State Farm $2,188 2 Nationwide $2,370 3 Progressive $2,569 4 GEICO $2,724 5 Allstate $2,950 6 Farmers $3,173
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