2021 BMW M4 Car Insurance Calculator

View in real-time how different driver, vehicle, and coverage options impact the cost of car insurance for a 2021 BMW M4. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2021 BMW M4 is $3,454 per year, or about $288 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

$3,454

Cost Per Month

$288

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 2021 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.

$3,454
Average Rate
Your Rate
$3,454

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 2021 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 2021 BMW M4 is $3,454.

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.

2021 BMW M4 vs. the Sports Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW M4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,816-$1,638
2Ford Mustang$2,216-$1,238
3BMW Z4$2,258-$1,196
4Audi TT$2,362-$1,092
5Toyota Supra$2,382-$1,072
6Subaru WRX$2,390-$1,064
7Nissan 370Z$2,434-$1,020
8Subaru BRZ$2,554-$900
9BMW M2$2,568-$886
10Porsche 718$2,612-$842
11Chevrolet Corvette$2,614-$840
12Chevrolet Camaro$2,732-$722
13Lexus RC F$2,742-$712
14Dodge Challenger$2,876-$578
15Mercedes-Benz AMG GT53$2,978-$476
2021 Sports Car Average$2,982-$472
16Jaguar F-Type$3,294-$160
17Lexus LC 500$3,360-$94
18BMW M4$3,454--
19Porsche 911$3,484$30
20Mercedes-Benz AMG GT63$3,944$490
21Acura NSX$3,972$518
22BMW i8$3,976$522
23Audi R8$4,272$818
24Nissan GT-R$4,274$820

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.

2021 M4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW M4 Insurance Rates by Trim Level
2021 BMW M4 Trim Level Annual Premium Cost Per Month
Coupe$3,248$271
Executive Coupe$3,334$278
Competition Coupe$3,390$283
Convertible$3,436$286
Executive Convertible$3,436$286
Competition Convertible$3,498$292
CS Coupe$3,840$320

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 2021 BMW M4 for different driver ages.

2021 BMW M4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,147$1,012
17$11,845$987
18$10,760$897
19$9,737$811
20$7,494$625
21$7,151$596
22$6,424$535
23$5,221$435
24$4,956$413
25$4,022$335
30$3,700$308
35$3,544$295
40$3,454$288
45$3,218$268
50$3,038$253
55$2,838$237
60$2,848$237
65$3,040$253
70$3,258$272
75$3,804$317
80$4,684$390

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.