BMW X4 Car Insurance Calculator

Observe in real-time how different factors influence insurance rates for a BMW X4. Experiment with factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2024 BMW X4 is $2,712 per year, or about $226 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

$2,712

Cost Per Month

$226

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 X4 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 BMW X4.

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.

$2,712
Average Rate
Your Rate
$2,712

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW X4.

The 'Average Rate' is a combined value for all BMW X4 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 2024 BMW X4 is $2,712.

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.

2024 BMW X4 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2024 BMW X4 against all other models in the small luxury SUV segment. The BMW X4 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 X4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X4.

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

2024 BMW X4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$754
2Lexus NX 250$2,072-$640
3Cadillac XT4$2,114-$598
4Lexus NX 350h$2,210-$502
5Lincoln Corsair$2,236-$476
6Mercedes-Benz GLB 250$2,240-$472
7Lexus UX 250h$2,246-$466
8Lexus NX 450h$2,258-$454
9Mercedes-Benz GLA250$2,282-$430
10Mercedes-Benz GLA35 AMG$2,290-$422
11Land Rover Evoque$2,336-$376
12Lexus NX 350$2,348-$364
13Volvo XC40$2,356-$356
14Volvo XC60$2,370-$342
15Alfa Romeo Tonale$2,376-$336
16Mercedes-Benz GLA45 AMG$2,388-$324
17BMW X1$2,420-$292
18Infiniti QX55$2,424-$288
19Volvo C40$2,442-$270
20BMW X2$2,452-$260
21Lexus RZ 450e$2,478-$234
22Mercedes-Benz EQB 300$2,492-$220
23Mercedes-Benz GLC300$2,512-$200
2024 Small Luxury SUV Average$2,541-$171
24Mercedes-Benz EQB 350$2,552-$160
25Genesis GV70$2,582-$130
26Audi Q3$2,596-$116
27Audi Q5$2,606-$106
28Alfa Romeo Stelvio$2,630-$82
29Land Rover Range Rover Velar$2,660-$52
30BMW X4$2,712--
31Audi Q4$2,736$24
32BMW X3$2,764$52
33Genesis GV60$2,848$136
34Porsche Macan$2,894$182
35Jaguar I-Pace$2,926$214
36Land Rover Defender$3,042$330
37Jaguar F-Pace$3,130$418
38Aston Martin DBX$4,562$1,850

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.

2024 X4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 BMW X4.

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.

2024 BMW X4 Insurance Rates by Trim Level
2024 BMW X4 Trim Level Annual Premium Cost Per Month
xDrive30i$2,584$215
M40i xDrive$2,726$227
M AWD$2,828$236

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 2024 BMW X4 for different driver ages.

2024 BMW X4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,533$794
17$9,278$773
18$8,393$699
19$7,613$634
20$5,855$488
21$5,587$466
22$5,020$418
23$4,096$341
24$3,883$324
25$3,156$263
30$2,902$242
35$2,786$232
40$2,712$226
45$2,532$211
50$2,394$200
55$2,234$186
60$2,240$187
65$2,390$199
70$2,564$214
75$2,996$250
80$3,684$307

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 X4 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW X4.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW X4 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 BMW X4$2,712$226
2023 BMW X4$2,632$219
2022 BMW X4$2,920$243
2021 BMW X4$2,520$210
2020 BMW X4$2,444$204
2019 BMW X4$2,286$191
2018 BMW X4$2,120$177
2017 BMW X4$2,040$170
2016 BMW X4$1,858$155
2015 BMW X4$1,720$143

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 BMW X4 trim levels for each model year.