Ashlee Tilford Written by Ashlee Tilford
Managing Editor

Ashlee is a dynamic business writer and editor with a focus on personal finance. With an MBA and more than fourteen years in the finance industry, Ashlee brings a practical and relatable perspective to insurance topics. She is passionate about empowering others to achieve financial success and protect their assets. When Ashlee isn't writing and editing, she enjoys spending time with her partner, dog and chickens on their farm in Kentucky.


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Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Bmw X4 is $2,658 per year or $222 per month. However, these rates can vary depending on your location, driving history, age, and other factors.

The auto insurance rates also change based on the vehicle’s model year. For example, the 2023 Bmw X4 costs $2,658 per year, whereas the 2022 Bmw X4 costs $2,171 annually. State Farm offers the cheapest annual rate for 2023 Bmw X4 $1,853 per year.

Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.

Average insurance cost of Bmw X4 by model year

Year of Bmw X4 ModelAverage Cost to Insure
2023$2,658
2022$2,171
2021$2,081
2020$2,424
2019$2,195
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Compare Bmw X4 insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
Allstate4WD 4 Door SUV Turbo$2,702
Farmers4WD 4 Door SUV Turbo$4,357
Geico4WD 4 Door SUV Turbo$2,004
Nationwide4WD 4 Door SUV Turbo$3,195
Progressive4WD 4 Door SUV Turbo$1,843
State Farm4WD 4 Door SUV Turbo$2,556

Bmw X4 insurance rates per year

2023

2023 Bmw X4 insurance rates

Average cost to insure $2,658
Annual cheapest rate $1,853
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,853
2Nationwide$2,140
3Progressive$2,419
4Geico$2,562
5Farmers$2,896
6Allstate$4,078
2022

2022 Bmw X4 insurance rates

Average cost to insure $2,171
Annual cheapest rate $1,537
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,537
2Nationwide$1,913
3Geico$1,914
4Progressive$2,013
5Farmers$2,087
6Allstate$3,562
2021

2021 Bmw X4 insurance rates

Average cost to insure $2,081
Annual cheapest rate $1,402
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Progressive$1,402
2State Farm$1,433
3Geico$1,827
4Nationwide$1,937
5Farmers$2,210
6Allstate$3,678
2020

2020 Bmw X4 insurance rates

Average cost to insure $2,424
Annual cheapest rate $1,656
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1Progressive$1,656
2Farmers$1,968
3State Farm$2,007
4Geico$2,058
5Nationwide$3,177
6Allstate$3,678
2019

2019 Bmw X4 insurance rates

Average cost to insure $2,195
Annual cheapest rate $1,640
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,640
2Geico$1,727
3Progressive$1,936
4Nationwide$2,395
5Farmers$2,560
6Allstate$2,909
2018

2018 Bmw X4 insurance rates

Average cost to insure $2,045
Annual cheapest rate $1,421
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,421
2Geico$1,753
3Progressive$1,901
4Nationwide$2,051
5Allstate$2,469
6Farmers$2,674
2017

2017 Bmw X4 insurance rates

Average cost to insure $1,997
Annual cheapest rate $1,499
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,499
2Geico$1,552
3Progressive$1,816
4Nationwide$2,025
5Allstate$2,512
6Farmers$2,575
2016

2016 Bmw X4 insurance rates

Average cost to insure $1,930
Annual cheapest rate $1,446
Available trims M, M40i, XDrive 28i, XDrive 30i, XDrive M40i
RankCompanyAverage annual premium
1State Farm$1,446
2Geico$1,506
3Progressive$1,832
4Nationwide$1,936
5Allstate$2,336
6Farmers$2,526

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