2020 BMW M4 Car Insurance Calculator

Discover how different risk factors impact the cost of car insurance for a 2020 BMW M4. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if rates increase or decrease and why.

The average estimated car insurance premium for a 2020 BMW M4 is $3,342 per year, or about $279 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

$3,342

Cost Per Month

$279

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 2020 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.

$3,342
Average Rate
Your Rate
$3,342

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 2020 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 2020 BMW M4 is $3,342.

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.

2020 BMW M4 vs. the Sports Car Segment

The table below compares insurance rates for the 2020 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.

2020 BMW M4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,760-$1,582
2Ford Mustang$2,128-$1,214
3BMW Z4$2,188-$1,154
4Audi TT$2,290-$1,052
5Subaru WRX$2,320-$1,022
6Nissan 370Z$2,360-$982
7Toyota Supra$2,372-$970
8Subaru BRZ$2,482-$860
9BMW M2$2,486-$856
10Chevrolet Corvette$2,520-$822
11Porsche 718$2,546-$796
12Chevrolet Camaro$2,646-$696
13Lexus RC F$2,656-$686
14Alfa Romeo 4C$2,738-$604
15Dodge Challenger$2,792-$550
16Mercedes-Benz AMG GT53$2,880-$462
2020 Sports Car Average$2,882-$460
17Jaguar F-Type$3,186-$156
18Lexus LC 500$3,252-$90
19BMW M4$3,342--
20Porsche 911$3,364$22
21Mercedes-Benz AMG GT63$3,810$468
22Acura NSX$3,834$492
23BMW i8$3,842$500
24Audi R8$4,120$778
25Nissan GT-R$4,128$786

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.

2020 M4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW M4 Insurance Rates by Trim Level
2020 BMW M4 Trim Level Annual Premium Cost Per Month
Coupe$3,144$262
Executive Coupe$3,228$269
Competition Coupe$3,280$273
Convertible$3,324$277
Executive Convertible$3,324$277
Competition Convertible$3,386$282
CS Coupe$3,712$309

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 2020 BMW M4 for different driver ages.

2020 BMW M4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,771$981
17$11,472$956
18$10,408$867
19$9,424$785
20$7,246$604
21$6,917$576
22$6,213$518
23$5,054$421
24$4,794$400
25$3,892$324
30$3,582$299
35$3,432$286
40$3,342$279
45$3,116$260
50$2,944$245
55$2,748$229
60$2,758$230
65$2,942$245
70$3,158$263
75$3,688$307
80$4,542$379

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.