BMW M4 Car Insurance Costs: 2025 Edition

• BMW M4 insurance rates cost $3,580 per year on average, or about $298 per month, for a policy with full coverage.
• When compared to other sports cars, the BMW M4 is one of the more expensive sports cars to insure, costing $280 more per year on average.
• The cheapest M4 trim to insure is the Coupe trim at an estimated $3,470 per year.
• The M4 Competition xDrive Convertible is the most expensive to insure at $3,658 per year.

How much does BMW M4 insurance cost?

Ranked 16^th out of 23 vehicles in the sports car class, BMW M4 car insurance costs an average of $3,580 annually, or $298 each month. With the average sports car costing $3,300 a year to insure, the BMW M4 may possibly cost an estimated $280 or more annually.

The rate chart below details average auto insurance cost for a M4 using different deductibles and driver age groups.

The table below details the estimated annual and 6-month policy costs, including a monthly insurance rate, for each BMW M4 model and trim level. For the average driver, rates range from $3,470 to $3,658 for the 2024 model year.

The following table shows average BMW M4 car insurance rates from the 2015 to 2024 model years.

More M4 insurance rates and insights

Some other key data insights regarding the cost to insure a BMW M4 include:

• Car insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $650 per year for a 40-year-old driver and $1,268 per year for a 20-year-old driver.
• Low physical damage deductibles may be wasting money. Dropping your deductibles from $500 to $250 could cost an additional $680 per year for a 40-year-old driver and $1,342 per year for a 20-year-old driver.
• Careful drivers have lower rates. Too many at-fault accidents can cost more, possibly up to $1,688 per year for a 30-year-old driver and even as much as $988 per year for a 50-year-old driver.
• BMW M4 insurance for teen drivers is expensive. Average rates for full coverage M4 insurance costs $12,287 per year for a 16-year-old driver, $12,021 per year for a 17-year-old driver, $11,004 per year for an 18-year-old driver, and $9,946 per year for a 19-year-old driver.
• High-risk drivers pay much more for M4 insurance. For a 20-year-old driver, having a high frequency of accidents or violations increases the cost by $5,520 or more per year.
• More discounts means cheap BMW M4 insurance rates. Discounts may be available if the insured drivers are military or federal employees, take a defensive driving course, drive low annual mileage, are loyal customers, belong to certain professional organizations, or many other discounts which could save the average driver as much as $604 per year.
• Get better rates due to your profession. Many insurance companies offer discounts for being employed in professions like high school and elementary teachers, police officers and law enforcement, engineers, architects, members of the military, and others. If you work in a qualifying profession, you may save between $107 and $233 on your car insurance premium, depending on the policy coverages selected.

How does BMW M4 car insurance cost rank?

The BMW M4 ranks 16^th out of 23 total comparison vehicles in the sports car category for most affordable car insurance prices. The M4 costs an average of $3,580 per year for full coverage insurance and the segment average rate is $3,300 annually, a difference of $280 per year.

When insurance prices are compared to other popular sports cars, auto insurance rates for a BMW M4 cost $742 more than the Lexus RC F, $946 more than the Ford Mustang, $490 more than the Porsche 718, and $890 more than the Subaru WRX.

The chart below shows how well M4 insurance rates fare against the top 10 most popular sports cars. A rankings table is also included following the chart breaking down rates for the entire 23 vehicle sports car segment.