2019 BMW M4 Car Insurance Calculator

Observe in real-time how the choices you make impact the cost of car insurance for a 2019 BMW M4. Customize factors such as driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2019 BMW M4 is $3,034 per year, or about $253 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

$3,034

Cost Per Month

$253

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 2019 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.

$3,034
Average Rate
Your Rate
$3,034

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 2019 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 2019 BMW M4 is $3,034.

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.

2019 BMW M4 vs. the Sports Car Segment

The table below compares insurance rates for the 2019 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.

2019 BMW M4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,592-$1,442
2Ford Mustang$2,040-$994
3Subaru WRX$2,142-$892
4Nissan 370Z$2,180-$854
5Subaru BRZ$2,188-$846
6Audi TT$2,218-$816
7BMW M2$2,422-$612
8Porsche 718$2,438-$596
9Chevrolet Camaro$2,468-$566
10Lexus RC F$2,490-$544
11Dodge Challenger$2,556-$478
12Alfa Romeo 4C$2,648-$386
13Chevrolet Corvette$2,656-$378
2019 Sports Car Average$2,704-$330
14Lexus LC 500$2,908-$126
15Jaguar F-Type$2,944-$90
16Mercedes-Benz AMG GT53$2,960-$74
17BMW M4$3,034--
18Porsche 911$3,242$208
19Acura NSX$3,476$442
20Nissan GT-R$3,564$530
21Mercedes-Benz AMG GT63$3,616$582
22BMW i8$3,708$674

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.

2019 M4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW M4 Insurance Rates by Trim Level
2019 BMW M4 Trim Level Annual Premium Cost Per Month
Convertible$2,854$238
Coupe$2,890$241
CS Coupe$3,364$280

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 2019 BMW M4 for different driver ages.

2019 BMW M4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,639$887
17$10,392$866
18$9,475$790
19$8,561$713
20$6,594$550
21$6,292$524
22$5,661$472
23$4,580$382
24$4,356$363
25$3,538$295
30$3,252$271
35$3,112$259
40$3,034$253
45$2,824$235
50$2,668$222
55$2,492$208
60$2,500$208
65$2,672$223
70$2,854$238
75$3,324$277
80$4,094$341

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.