2023 BMW X4 Car Insurance Calculator

Gain insights into how seemingly small changes impact the cost of car insurance for a 2023 BMW X4. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2023 BMW X4 is $2,632 per year, or about $219 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

$2,632

Cost Per Month

$219

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 2023 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.

$2,632
Average Rate
Your Rate
$2,632

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 2023 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 2023 BMW X4 is $2,632.

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.

2023 BMW X4 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2023 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.

2023 BMW X4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,904-$728
2Cadillac XT4$2,056-$576
3Volvo XC40$2,100-$532
4Lexus UX 250h$2,132-$500
5Mercedes-Benz GLA250$2,212-$420
6Mercedes-Benz GLB 250$2,234-$398
7Lexus NX 250$2,248-$384
8Lexus NX 350h$2,276-$356
9Lexus NX 350$2,290-$342
10Lincoln Corsair$2,292-$340
11Lexus NX 450h$2,302-$330
12BMW X1$2,310-$322
13Alfa Romeo Tonale$2,320-$312
14Mercedes-Benz GLC300$2,324-$308
15Lexus RZ 450e$2,330-$302
16Volvo XC60$2,336-$296
17Audi Q3$2,348-$284
18Land Rover Evoque$2,364-$268
19Volvo C40$2,386-$246
20BMW X2$2,428-$204
21Infiniti QX55$2,462-$170
2023 Small Luxury SUV Average$2,468-$164
22Mercedes-Benz GLA35 AMG$2,472-$160
23Genesis GV70$2,514-$118
24Mercedes-Benz EQB 300$2,526-$106
25Genesis GV60$2,534-$98
26Mercedes-Benz GLA45 AMG$2,542-$90
27Alfa Romeo Stelvio$2,556-$76
28Audi Q5$2,574-$58
29Land Rover Range Rover Velar$2,582-$50
30Mercedes-Benz EQB 350$2,590-$42
31BMW X4$2,632--
32Land Rover Defender$2,644$12
33Jaguar F-Pace$2,656$24
34Audi Q4$2,668$36
35Porsche Macan$2,678$46
36BMW X3$2,684$52
37Jaguar I-Pace$2,840$208
38Aston Martin DBX$4,436$1,804

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.

2023 X4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 BMW X4 Insurance Rates by Trim Level
2023 BMW X4 Trim Level Annual Premium Cost Per Month
xDrive30i$2,512$209
M40i xDrive$2,648$221
M xDrive$2,746$229

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 2023 BMW X4 for different driver ages.

2023 BMW X4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,291$774
17$9,036$753
18$8,166$681
19$7,410$618
20$5,693$474
21$5,432$453
22$4,879$407
23$3,980$332
24$3,770$314
25$3,064$255
30$2,814$235
35$2,706$226
40$2,632$219
45$2,456$205
50$2,324$194
55$2,172$181
60$2,178$182
65$2,320$193
70$2,494$208
75$2,916$243
80$3,594$300

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.