BMW M4 Insurance Cost
Full coverage for a BMW M4 costs about $4,260 a year ($355/month) by our estimate — ▲ +168% versus the average vehicle, ranking 308th cheapest of 310 current models.
BMW M4 insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2015–2027 model years of the BMW M4.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $930 | $77 | $760–$1,095 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,345 | $112 | $1,105–$1,590 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $4,260 | $355 | $3,490–$5,025 |
What drives the cost of insuring a BMW M4
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The BMW M4's results put our vehicle factor at 1.51× for liability, 4.94× for collision and 2.60× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 549 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 278 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 180 | Much worse than average | Damage this car does to other vehicles and property |
HLDI results by body style / drivetrain (3)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| BMW M4 2dr 4WD | 549 | 278 | 180 | — |
| BMW M4 convertible 4WD | 309 | 210 | 100 | — |
| BMW M4 2dr | 310 | 284 | — | — |
- Repair and parts costs: Luxury sports car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 1 NHTSA recall campaigns and 0 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
BMW M4 trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| M4 Competition Coupe | RWD | 3.0L 6-cyl Turbo | 19 |
| M4 Competition M xDrive Convertible | AWD | 3.0L 6-cyl Turbo | 18 |
| M4 Competition M xDrive Coupe | AWD | 3.0L 6-cyl Turbo | 18 |
| M4 Coupe | RWD | 3.0L 6-cyl Turbo | 19 |
BMW M4 insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2027 | 3.0L 6-cyl Turbo | AWD, RWD | 18–19 | $4,260 |
| 2026 | 3.0L 6-cyl Turbo | AWD, RWD | 18–19 | $4,130 |
| 2025 | 3.0L 6-cyl Turbo | AWD, RWD | 18–19 | $3,995 |
| 2024 | 3.0L 6-cyl Turbo | AWD, RWD | 18–19 | $3,865 |
| 2023 | 3.0L 6-cyl Turbo | AWD, RWD | 18–19 | $3,735 |
| 2022 | 3.0L 6-cyl Turbo | AWD, RWD | 18–19 | $3,605 |
| 2021 | 3.0L 6-cyl Turbo | RWD | 19 | $3,470 |
| 2020 | 3.0L 6-cyl Turbo | RWD | 19–20 | $3,340 |
| 2019 | 3.0L 6-cyl Turbo | RWD | 19–20 | $3,210 |
| 2018 | 3.0L 6-cyl Turbo | RWD | 19–20 | $3,080 |
| 2017 | 3.0L 6-cyl Turbo | RWD | 19–20 | $2,950 |
| 2016 | 3.0L 6-cyl Turbo | RWD | 19–20 | $2,815 |
| 2015 | 3.0L 6-cyl Turbo | RWD | 19–20 | $2,800 |
BMW M4 insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the M4 page for that state.
BMW M4 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,550 | $3,700 | $11,710 | $976 |
| Young adult (22) | $1,485 | $2,155 | $6,815 | $568 |
| Adult in their 30s | $930 | $1,345 | $4,260 | $355 |
| Adult in their 50s | $855 | $1,240 | $3,920 | $327 |
| Senior (72) | $1,040 | $1,505 | $4,770 | $398 |
| 30s, one at-fault accident | $1,345 | $1,950 | $6,175 | $515 |
| 30s, DUI on record | $1,715 | $2,490 | $7,880 | $657 |
BMW M4 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| BMW M4 | $4,260 | 549 | 278 | — |
| Lamborghini Huracan | $4,480 | 815 | 331 | Compare |
| Mercedes-Benz SL-Class | $2,330 | 210 | 292 | Compare |
| Porsche Taycan | $2,295 | 236 | 212 | Compare |
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Other BMW models
- 2 Series $1,630/yr
- 4 Series $1,670/yr
- 5 Series $1,490/yr
- 7 Series $3,710/yr
- i5 $2,085/yr
- i7 $2,795/yr
- iX3 $1,895/yr
- M2 $2,260/yr
- M3 $4,190/yr
- M5 $1,820/yr
- X1 $1,560/yr
- X2 $1,805/yr
- X5 $1,690/yr
- X6 $2,305/yr
- X7 $1,915/yr
- 3 Series $1,880/yr
- 8 Series $2,610/yr
- i4 $1,920/yr
- iX $2,310/yr
- X3 $1,565/yr
- XM $2,985/yr
- Z4 $1,320/yr
- M8 $3,945/yr
- X4 $1,745/yr
- i3 $1,565/yr
- i8 $1,810/yr
- 6 Series $1,480/yr
- M6 $1,755/yr
- 1 Series $1,580/yr
- ActiveE $1,390/yr
Frequently asked questions
How much is insurance for a BMW M4?
We estimate about $4,260 a year ($355 a month) for full coverage and $930 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2.7 times the average vehicle.
Is the BMW M4 expensive to insure?
HLDI insurance-loss data rates it at 549 for collision and 278 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a BMW M4?
Maine has the lowest estimate (about $2,870 a year for full coverage) and Louisiana the highest (about $5,705).
Is the BMW M4 cheaper to insure than the Lamborghini Huracan?
By our estimate the BMW M4 costs about $4,260 a year versus $5,030 for the Lamborghini Huracan, making it the cheaper of the two to insure.
How much is BMW M4 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $11,710 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.