BMW M4 is an upgrade to the coupe and convertible versions of the BMW 3 Series. Upgrades over the standard BMW 4 Series include a better engine, suspension, exhaust system, and brakes, as well as ways to make the car lighter, like using more carbon fiber on the roof.
When figuring out how much BMW M4 insurance costs, the price of the car, its safety features, and the number of driving and non-driving factors are all taken into account. Here, we look at which insurance company offers the cheapest BMW M4 insurance rates and how to get the best rate for this model.
The average car insurance cost of the BMW M4 series is $2,028 annually, costing around $169 per month. It is an expensive sports car, but the insurance rates are less expensive when compared to other cars with similar specs.
| Model | Average Annual Cost |
|---|---|
| BMW M4 | $2,208 |
| Tesla Model S | $3,002 |
| Lincoln MKC | $3,108 |
| Audi A5 | $3,432 |
| Jaguar S-Type | $3,576 |
Insurance companies determine a user's insurance rate based on a number of criteria, which may be related to driving and the type of car you both related to driving and based on the kind of car you own.
The age of the car, age of the driver, location, trim level, insurance company, and driving history are the factors that insurance companies take into consideration when calculating the car insurance rates.
When we compare the average annual insurance rates of different BMW M4 models over the years, we observe that the older models are cheaper to insure than the latest models. For example, the average insurance rate of a 2018 model would be $3,014, while it drops to $2,010 for a 2016 model.
| Model Year and Vehicle | Average Annual Insurance Rate |
|---|---|
| 2018 BMW M4 | $3,014 |
| 2017 BMW M4 | $3,023 |
| 2016 BMW M4 | $2,010 |
| 2015 BMW M4 | $2,848 |
The average cost to insure a 2018 BMW M4 is $3,104. Tennesse Farmers and Mercury provide the cheapest car insurance rates for the 2018 BMW M4 model.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Mercury | $1,471 |
| Tennessee Farmers | $1,504 |
| Erie | $1,680 |
| USAA | $2,171 |
| Nationwide | $2,241 |
| Plymouth Rock Insurance | $2,377 |
| Arbella | $2,393 |
| Acuity | $2,425 |
| Country | $2,489 |
| Progressive | $2,541 |
| State Farm | $2,570 |
| Southern Farm Bureau | $2,762 |
The average annual insurance cost of a 2017 BMW M4 is $3,023. At $2,622 per year, Progressive is the most expensive provider for the 2017 BMW M4.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Mercury | $1,440 |
| Tennessee Farmers | $1,524 |
| Erie | $1,530 |
| USAA | $2,143 |
| Nationwide | $2,232 |
| Plymouth Rock Insurance | $2,240 |
| State Farm | $2,242 |
| Arbella | $2,259 |
| Acuity | $2,319 |
| Country | $2,375 |
| Vermont Mutual | $2,564 |
| Progressive | $2,622 |
The average annual insurance cost of a 2016 BMW M4 is $2,010. At $1,125 and $1,137 per year, USAA and Mercury offer the cheapest rates for a 2016 BMW M4.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,125 |
| Mercury | $1,137 |
| State Farm | $1,727 |
| Farmers | $1,771 |
| Nationwide | $2,026 |
| Progressive | $2,041 |
| Southern Farm Bureau | $2,551 |
| Allstate | $2,651 |
| American Family | $2,670 |
| Amica | $3,057 |
| 21st Century | $3,176 |
The average annual insurance cost of a 2015 BMW M4 is $2,848. Costing around $1,405 per year on average, Mercury is the cheapest provider for the 2015 BMW M4 model.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Mercury | $1,405 |
| Erie | $1,435 |
| USAA | $2,029 |
| State Farm | $2,048 |
| Plymouth Rock Insurance | $2,105 |
| Arbella | $2,208 |
| Tennessee Farmers | $2,209 |
| Acuity | $2,247 |
| Country | $2,260 |
| Nationwide | $2,261 |
| Vermont Mutual | $2,424 |
| Progressive | $2,479 |
The safety features and performance characteristics that come standard on each trim level of the BMW M4 series all have a role in determining how much the vehicle will cost to insure. Here, we take a look at the elements related to safety that have an impact on insurance rates. These distinctive qualities not only guarantee the individual's safety but also result in reduced insurance premiums.
The numerous safety features of the BMW M4 series ensure safety and a lower insurance rating. These are the salient safety features hosted on a BMW M4.
Insurance for a luxury sports car can be quite expensive because of the high cost of the vehicle, the higher likelihood of theft, and the costly maintenance that is connected with sports cars. Here are some guidelines that can help you lower the premiums you pay for the insurance on your BMW M4 series.
Being an expensive investment, you should calculate how much it will cost to insure a BMW M4 series. Since insurance companies decide on the rates based on your driving history, one must think about whether they should file a claim or pay out of pocket.
Looking at the rates of different companies will give you an idea of the general trends and the ones that suit your budget and needs. Since most companies provide their quotes online, it is an easy task.
Many companies offer multi-line discounts. Most insurance companies provide large discounts if you bundle life, housing, auto, and pet insurance. Avoid adding high-risk drivers, including teens, to your insurance, as it can increase your insurance rates.
Depending on your good driving record, driving history, credit scores, academic record, and other factors, many insurance providers offer discounts. Price reductions may be obtained by making use of these discounts.
Opting for a higher deductible will automatically reduce your premium rates.
Owning a luxury sports car like the BMW M4 can indicate occasional driving. In that case, opt only for comprehensive coverage and drop the other coverages, which can be excess.
Car insurance often discounts expensive sports cars like the BMW M4 series since they host safety features. Insurers offer discounts on features that minimize burglary risks, such as car alarms, safe parking, electronic monitoring equipment, and window etching for vehicle identification numbers (VIN).
If you want your auto insurance rates to be as low as they can be, you need to keep your driving record clean. Even if you drive a luxury sports car like a BMW M4, which is known for having high insurance rates, you can still save money on your policy by looking at policies from different companies.
Get the Way app, and it will give you the best deals for your BMW M4. With over 150 top-tier insurance providers, comparing quotes is easy. Make sure you provide accurate details for the best rates.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average car insurance cost of the BMW M4 series is $2,028 annually, costing $169 per month.
A 2025 BMW M4 is powered by 3.0-liter M TwinPower Turbo six-cylinder engine. The base model generates 473 horsepower.
Yes. BMW M4 is a reliable sports car.
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