BMW X4 Insurance Cost
Full coverage for a BMW X4 costs about $1,745 a year ($146/month) by our estimate — ▲ +10% versus the average vehicle.
BMW X4 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 2025 model year. Our vehicle data covers the 2015–2025 model years of the BMW X4, which is no longer in production.
| 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. | $575 | $48 | $475–$680 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $835 | $70 | $685–$985 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,745 | $146 | $1,430–$2,060 |
What drives the cost of insuring a BMW X4
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 X4's results put our vehicle factor at 0.94× for liability, 1.47× for collision and 1.35× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 148 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 136 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 94 | Better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 91 | Better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 108 | Worse than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 106 | Worse than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| BMW X4 4dr 4WD | 148 | 136 | 94 | 91 |
| BMW X4 M 4dr 4WD | 275 | 274 | 137 | — |
- Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 4 NHTSA recall campaigns and 13 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
BMW X4 trims and configurations (2025)
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.) |
|---|---|---|---|
| X4 M | AWD | 3.0L 6-cyl Turbo | 17 |
| X4 M Competition | AWD | 3.0L 6-cyl Turbo | 17 |
| X4 M40i | AWD | 3.0L 6-cyl Turbo Hybrid | 23 |
| X4 xDrive30i | AWD | 2.0L 4-cyl Turbo | 24 |
BMW X4 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 |
|---|---|---|---|---|
| 2025 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid | AWD | 17–24 | $1,745 |
| 2024 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid | AWD | 17–24 | $1,700 |
| 2023 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid | AWD | 17–24 | $1,655 |
| 2022 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid | AWD | 17–24 | $1,610 |
| 2021 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 16–25 | $1,565 |
| 2020 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 16–25 | $1,520 |
| 2019 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 23–25 | $1,475 |
| 2018 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 21–23 | $1,430 |
| 2017 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 21–23 | $1,385 |
| 2016 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 21–23 | $1,340 |
| 2015 | 2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo | AWD | 21–23 | $1,335 |
BMW X4 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.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,550 | $450 | −11% |
| Alaska | $1,540 | $585 | −12% |
| Arizona | $1,820 | $620 | +4% |
| Arkansas | $1,590 | $420 | −9% |
| California | $1,745 | $540 | 0% |
| Colorado | $2,005 | $610 | +15% |
| Connecticut | $1,825 | $670 | +5% |
| Delaware | $1,880 | $755 | +8% |
| District of Columbia | $2,220 | $695 | +27% |
| Florida | $2,375 | $1,015 | +36% |
| Georgia | $2,095 | $820 | +20% |
| Hawaii | $1,225 | $410 | −30% |
| Idaho | $1,195 | $375 | −32% |
| Illinois | $1,535 | $470 | −12% |
| Indiana | $1,260 | $380 | −28% |
| Iowa | $1,240 | $290 | −29% |
| Kansas | $1,445 | $380 | −17% |
| Kentucky | $1,465 | $495 | −16% |
| Louisiana | $2,400 | $745 | +38% |
| Maine | $1,135 | $400 | −35% |
| Maryland | $1,940 | $705 | +11% |
| Massachusetts | $1,725 | $555 | −1% |
| Michigan | $1,920 | $720 | +10% |
| Minnesota | $1,490 | $440 | −15% |
| Mississippi | $1,700 | $500 | −3% |
| Missouri | $1,610 | $480 | −8% |
| Montana | $1,445 | $370 | −17% |
| Nebraska | $1,445 | $380 | −17% |
| Nevada | $1,915 | $815 | +10% |
| New Hampshire | $1,265 | $375 | −28% |
| New Jersey | $2,035 | $880 | +17% |
| New Mexico | $1,585 | $490 | −9% |
| New York | $2,280 | $875 | +31% |
| North Carolina | $1,350 | $420 | −23% |
| North Dakota | $1,185 | $260 | −32% |
| Ohio | $1,265 | $380 | −28% |
| Oklahoma | $1,620 | $445 | −7% |
| Oregon | $1,525 | $590 | −13% |
| Pennsylvania | $1,560 | $400 | −11% |
| Rhode Island | $2,065 | $770 | +18% |
| South Carolina | $1,820 | $690 | +4% |
| South Dakota | $1,420 | $295 | −19% |
| Tennessee | $1,485 | $425 | −15% |
| Texas | $2,100 | $650 | +20% |
| Utah | $1,550 | $615 | −11% |
| Vermont | $1,180 | $300 | −32% |
| Virginia | $1,505 | $590 | −14% |
| Washington | $1,490 | $555 | −15% |
| West Virginia | $1,500 | $410 | −14% |
| Wisconsin | $1,220 | $350 | −30% |
| Wyoming | $1,450 | $305 | −17% |
BMW X4 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,585 | $2,300 | $4,805 | $400 |
| Young adult (22) | $920 | $1,335 | $2,795 | $233 |
| Adult in their 30s | $575 | $835 | $1,745 | $145 |
| Adult in their 50s | $530 | $770 | $1,605 | $134 |
| Senior (72) | $645 | $935 | $1,955 | $163 |
| 30s, one at-fault accident | $835 | $1,210 | $2,535 | $211 |
| 30s, DUI on record | $1,065 | $1,545 | $3,230 | $269 |
BMW X4 vs. rivals
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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
- M4 $4,260/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
- 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 X4?
We estimate about $1,745 a year ($146 a month) for full coverage and $575 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 10% more than the average vehicle.
Is the BMW X4 expensive to insure?
HLDI insurance-loss data rates it at 148 for collision and 136 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a BMW X4?
Maine has the lowest estimate (about $1,135 a year for full coverage) and Louisiana the highest (about $2,400).
Is the BMW X4 cheaper to insure than the BMW X3?
By our estimate the BMW X4 costs about $1,745 a year versus $1,600 for the BMW X3, making the BMW X3 cheaper to insure.
How much is BMW X4 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,805 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.