BMW M4 Car Insurance Rates for 2022

How much does M4 car insurance cost? We analyze auto insurance rates from the base M4 Coupe up to the well-appointed CS Coupe trim to discover how prices compare to the rest of the sports car market.

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  • BMW M4 insurance rates cost $2,410 per year on average, or about $201 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 $275 more per year on average.
  • The cheapest M4 trim to insure is the Coupe trim at an estimated $2,344 per year.
  • The M4 Competition xDrive Convertible is the most expensive to insure at $2,464 per year.

How much does BMW M4 insurance cost?

Ranked #19 out of 23 vehicles in the sports car class, BMW M4 car insurance costs an average of $2,410 annually, or $201 each month. With the average sports car costing $2,135 a year to insure, the BMW M4 may possibly cost an estimated $275 or more annually.

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

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Chart Data Details: Average rates are for a 2022 model year BMW M4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW M4 trim levels.Data last updated on April 20, 2022
BMW M4 Car Insurance Cost Summary
BMW M4 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$5,456$455
Safe Driver Age 20$4,784$399
At-fault Accidents Age 40$3,370$281
Low Deductibles Age 40$3,224$269
Safe Driver Age 30$2,562$214
Safe Driver Age 40$2,410$201
Safe Driver Age 50$2,186$182
Safe Driver Age 60$2,148$179
Discount Rate Age 40$2,000$167
High Deductibles Age 40$1,992$166

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 $2,344 to $2,464 for the 2022 model year.

2022 BMW M4 Insurance Cost by Trim Level
BMW M4 Trim Level Annual Policy 6-month Policy Per Month
Coupe$2,344$1,172$195
Competition Coupe$2,388$1,194$199
Competition xDrive Coupe$2,448$1,224$204
Competition xDrive Convertible$2,464$1,232$205

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Table Data Details: Average rates are for a 2022 BMW M4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
BMW M4 Insurance Cost by Trim Level

The following table shows average BMW M4 car insurance rates from the 2015 to 2021 model years.

BMW M4 Insurance Cost for 2015-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$4,784$2,562$2,410$2,186$2,148
2021$4,834$2,576$2,428$2,206$2,164
2020$4,738$2,518$2,374$2,160$2,120
2019$4,382$2,332$2,192$1,994$1,960
2018$3,978$2,114$1,992$1,812$1,782
2017$3,862$2,050$1,930$1,760$1,728
2016$4,106$2,178$2,052$1,866$1,834
2015$3,422$1,820$1,714$1,564$1,534

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
BMW M4 Insurance Cost by Model Year

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 $418 per year for a 40-year-old driver and $820 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 $436 per year for a 40-year-old driver and $862 per year for a 20-year-old driver.
  • Careful drivers have lower rates. Too many at-fault accidents can cost more, possibly up to $1,112 per year for a 30-year-old driver and even as much as $738 per year for a 50-year-old driver.
  • BMW M4 insurance for teen drivers is expensive. Average rates for full coverage M4 insurance costs $8,324 per year for a 16-year-old driver, $7,860 per year for a 17-year-old driver, $7,378 per year for a 18-year-old driver, and $6,732 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 $3,678 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 $410 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 $72 and $158 on your car insurance premium, depending on the policy coverages selected.

How does BMW M4 car insurance cost rank?

The BMW M4 ranks #19 out of 23 total comparison vehicles in the sports car category for most affordable car insurance prices. The M4 costs an average of $2,410 per year for full coverage insurance and the segment average rate is $2,135 annually, a difference of $275 per year.

When insurance prices are compared to other popular sports cars, auto insurance rates for a BMW M4 cost $272 more than the Lexus RC F, $814 more than the Ford Mustang, $366 more than the Porsche 718, and $688 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year BMW M4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all BMW M4 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on April 2, 2022
BMW M4 vs Top 10 Sports Cars Insurance Comparison
BMW M4 Insurance Cost Compared to All Sports Cars
Rank Make/Model Insurance Cost Difference
1Mazda MX-5 Miata$1,312-$1,098
2Ford Mustang$1,596-$814
3BMW Z4$1,628-$782
4Subaru WRX$1,722-$688
5Toyota GR86$1,764-$646
6Toyota GR Supra$1,804-$606
7Audi TT$1,844-$566
8Subaru BRZ$1,898-$512
9Chevrolet Corvette$1,908-$502
10BMW M3$1,960-$450
11Porsche 718$2,044-$366
12Chevrolet Camaro$2,096-$314
13Lexus RC F$2,138-$272
14Dodge Challenger$2,152-$258
15Mercedes-Benz AMG GT53$2,186-$224
16Jaguar F-Type$2,286-$124
17Porsche Taycan$2,346-$64
18Porsche 911$2,402-$8
19BMW M4$2,410--
20Lexus LC 500$2,494$84
21Acura NSX$2,924$514
22Audi R8$3,052$642
23Nissan GT-R$3,132$722