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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 BMW 4 Series is $222.15 — or, $2,665.8 yearly. However, your actual costs depend on your driving history, vehicle model, ZIP and other factors. And some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2014 BMW 4 | $142.41 | $140.28 | $234.03 | $227.17 | $185.97 |
| 2016 BMW 4 | $175.59 | $145.91 | $251.04 | $203.63 | $194.04 |
| 2021 BMW 4 | $199.09 | $151.50 | $314.32 | $223.67 | $222.15 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may be different based on details such as your age, job type, annual mileage and more.
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Car insurance is an unavoidable drawback of vehicle ownership. Shopping around for the best rate can reduce your overall costs. Many providers use similar language but different policy features and every one claims to have the best price.
Coverage is mandatory in 48 states, so while you won’t be able to avoid it, there are some ways to save on auto insurance. In order to accurately compare your options, there are a few things to look for when getting quotes from providers. Here are a few considerations.
The BMW 4 Series costs more to insure because the standard model is a two-door coupe designed for sports performance, making this vehicle more risky in the eyes of insurance companies. It may not be the most expensive BMW, but it’s still considered a luxury vehicle made from foreign parts.
Though your driving history and location can both affect the cost of car insurance, the vehicle you drive plays a pivotal role. Insurance providers calculate your premiums with respect to the risk and costs associated with filing claims. Damage susceptibility, repair costs, and other factors all vary between makes and models, which is why the cost of auto insurance largely depends on the vehicle you drive.
Here are a few characteristics of the BMW 3 series and how they might affect insurance rates.
The BMW 4 doesn’t have the highest insurance rate on the block, although you’ll shell out a bit more for insurance than for a nonluxury car. In general, insurance costs rise along with a car’s value — and the 4 Series keeps its selling price relatively low for a luxury ride.
| Models similar to BMW 4 Series | Monthly insurance cost | Car value |
|---|---|---|
| BMW 4 Series | $222.15 | $46,595 |
| BMW 8 Series | $270.47 | $88,995 |
| Infinit Q60 | – | $42,675 |
| Lexus LC | – | $94,075 |
| Mercedes-Benz S Class | $375.63 | $110,850 |
We found 2021 car values from Car and Driver’s review of each model.
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options and other factors. Here are a few that should apply to the BMW 4 Series:
Performance, safety features, and other elements all vary between makes and models, which is why the vehicle you drive plays a major role in determining the price of coverage. But beyond your choice of make and model, the trim packages on your vehicle can also affect the cost of insurance. Based on the standard 430i Coupe, here’s how various build options might impact your rates:
The 4 Series doesn’t have official safety ratings from the IIHS or NHTSA at this time. However, many recent BMW models have amazing safety ratings and some were even awarded the IIHS top safety pick of the year. The 4 Series’ safety features and crashworthiness might help you save on auto insurance.
You could save money on car insurance for your BMW 4 Series if it comes equipped with these safety features.
The 2018 BMW 4 series holds a 4 out of 5-star rating for reliability, according to U.S. News and J.D. Power. This is above average for other vehicles in its class.
While the 4 Series has only been available since 2014, it has been affected by a couple recalls since production began.
There are almost no common complaints about the 4 Series online. While some owners have mentioned excessive brake noise, this issue doesn’t seem to affect very many people. With that being said, this car has only been in production since 2014, so it’s possible that it hasn’t been around long enough to develop widespread issues.
The BMW 4 Series is designed for daily driving, commuting, or simply exploring the road. Like most BMW vehicles, the 4 Series is quite reliable and it requires little maintenance so that you can spend less time in the shop.
However, routine maintenance can extend the life of your vehicle and ensure that it performs at full capacity. Here’s what to expect in terms of oil changes, service appointments and more.
The 4 Series comes with the standard four-year/50,000-mile BMW warranty. It covers issues due to defective parts or improper service, free roadside assistance, and a separate corrosion warranty. For extra protection, the extended warranty is available in multiple terms and includes service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.
Additionally, eligible 4 Series vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.
The BMW 4 coupe models come in three variants: 430i, M440i, and M4. The M variants are built for performance and style — not so much practicality. The 2022 4 Series starts at $46,795 for the base model, and reaches $65,195 for the M440i convertible. While the higher price tag might push you to other options, BMW offers incentives for military members and college grads that may be worth checking out.
The 2022 4 Series is outfitted with great standard safety features, including automated emergency braking and pedestrian detection, lane-departure warning and lane-keeping assist, a rearview camera, active driving assist, and park distance control. If you’re in need of some creature comforts, consider adding features like a heated steering wheel for $190, heated front seats for $500, or front ventilated seats for $350. There are also performance options like Adaptive M Suspension for $700, or the pricey Dynamic Handling Package for $2,450.
The 4 Series is a luxury performance coupe that is also available as a convertible and four-door gran coupe. While it doesn’t have official safety ratings yet, it comes equipped with a suite of great safety features that could help you save on auto insurance. With that being said, there are some factors that can influence the price you pay, so compare your options to find coverage that fits your budget.
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