2016 BMW M4 Car Insurance Calculator

Discover how the choices you make affect car insurance rates for a 2016 BMW M4. Adjust factors such as driver's age, policy discounts, M4 trim level, and driving record. Find out instantly whether rates increased or decreased.

The average estimated car insurance premium for a 2016 BMW M4 is $2,690 per year, or about $224 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,690

Cost Per Month

$224

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW M4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 BMW M4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,690
Average Rate
Your Rate
$2,690

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 BMW M4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 BMW M4 is $2,690.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 BMW M4 vs. the Sports Car Segment

The table below compares insurance rates for the 2016 BMW M4 against all other models in the sports car segment. The BMW M4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW M4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 BMW M4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,432-$1,258
2BMW Z4$1,734-$956
3Subaru BRZ$1,776-$914
4Subaru WRX$1,778-$912
5Porsche Cayman$1,852-$838
6Audi TT$1,870-$820
7Ford Mustang$1,938-$752
8Nissan 370Z$1,972-$718
9BMW M2$2,002-$688
10Chevrolet Camaro$2,012-$678
11Porsche Boxster$2,032-$658
12Dodge Challenger$2,172-$518
13Alfa Romeo 4C$2,216-$474
2016 Sports Car Average$2,233-$457
14Lexus RC F$2,264-$426
15Chevrolet Corvette$2,314-$376
16Dodge Viper$2,324-$366
17BMW M3$2,492-$198
18Jaguar F-Type$2,536-$154
19Porsche 911$2,560-$130
20BMW M4$2,690--
21Nissan GT-R$2,788$98
22BMW i8$3,214$524
23Maserati Granturismo$3,382$692

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 M4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW M4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 BMW M4 Insurance Rates by Trim Level
2016 BMW M4 Trim Level Annual Premium Cost Per Month
Coupe$2,390$199
Convertible$2,606$217
GTS Coupe$3,082$257

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 BMW M4 for different driver ages.

2016 BMW M4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,408$784
17$9,168$764
18$8,321$693
19$7,542$629
20$5,808$484
21$5,542$462
22$4,983$415
23$4,058$338
24$3,852$321
25$3,134$261
30$2,882$240
35$2,762$230
40$2,690$224
45$2,508$209
50$2,374$198
55$2,214$185
60$2,220$185
65$2,370$198
70$2,536$211
75$2,952$246
80$3,632$303

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW M4 trim levels.