2021 BMW X4 Car Insurance Calculator

Discover and learn how life choices affect car insurance rates for a 2021 BMW X4. Experiment with options like vehicle usage, gender of the driver, and marital status to see how rates are affected. See instantly if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2021 BMW X4 is $2,520 per year, or about $210 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

$2,520

Cost Per Month

$210

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 2021 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.

$2,520
Average Rate
Your Rate
$2,520

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 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 2021 BMW X4 is $2,520.

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 X4 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2021 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.

2021 BMW X4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$736
2Cadillac XT4$1,844-$676
3Volvo XC40$1,888-$632
4Lincoln Corsair$2,080-$440
5Lexus UX 250h$2,098-$422
6Volvo XC60$2,120-$400
7Mercedes-Benz GLB 250$2,140-$380
8BMW X1$2,156-$364
9Lexus UX 200$2,158-$362
10Lexus NX 300$2,166-$354
11Mercedes-Benz GLC300$2,172-$348
12Land Rover Defender$2,234-$286
13Mercedes-Benz GLA250$2,248-$272
14Land Rover Evoque$2,254-$266
2021 Small Luxury SUV Average$2,262-$258
15BMW X2$2,292-$228
16Audi Q3$2,346-$174
17Audi Q5$2,362-$158
18BMW X3$2,422-$98
19Lexus NX 300H$2,434-$86
20Mercedes-Benz GLA45 AMG$2,462-$58
21Alfa Romeo Stelvio$2,486-$34
22BMW X4$2,520--
23Jaguar F-Pace$2,552$32
24Jaguar I-Pace$2,632$112
25Porsche Macan$2,688$168

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 X4 Insurance Rates by Trim Level

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

2021 BMW X4 Insurance Rates by Trim Level
2021 BMW X4 Trim Level Annual Premium Cost Per Month
xDrive 30i AWD$2,406$201
xDrive 30i Premium AWD$2,406$201
xDrive 30i Sport AWD$2,406$201
xDrive 30i Executive AWD$2,472$206
m40i AWD$2,538$212
m40i Executive AWD$2,538$212
AWD$2,666$222
Executive AWD$2,730$228

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 X4 for different driver ages.

2021 BMW X4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,987$749
17$8,726$727
18$7,854$655
19$7,133$594
20$5,467$456
21$5,214$435
22$4,671$389
23$3,819$318
24$3,614$301
25$2,932$244
30$2,690$224
35$2,588$216
40$2,520$210
45$2,352$196
50$2,228$186
55$2,080$173
60$2,086$174
65$2,226$186
70$2,400$200
75$2,822$235
80$3,482$290

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.