BMW X4 Car Insurance Costs: 2025 Edition

How expensive are insurance rates for a BMW X4?

From the xDrive30i model up to the pricier M AWD trim level, we compared average insurance cost for a X4 to look at how rate quotes compare to the competition.

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  • BMW X4 car insurance costs an average of $2,712 per year, or about $226 per month for a policy with full coverage.
  • The X4 xDrive30i trim level is the cheapest to insure at around $2,584 per year. The most expensive trim is the M AWD at $2,828 per year.
  • When compared to other 2024 small luxury SUVs, the BMW X4 is one of the more expensive small luxury SUVs to insure, costing $171 more per year on average.

How much does BMW X4 car insurance cost?

BMW X4 insurance costs on average $2,712 a year, or around $226 on a monthly basis. Drivers can plan on paying around $171 more per year for X4 insurance when compared to the average rate for all small luxury SUVs, and $491 more per year than the overall all-vehicle national average of $2,221.

The following chart illustrates average insurance rates on a BMW X4 for different driver ages, deductible levels, and risk profiles.

Average 2024 BMW X4 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 BMW X4 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2024 model year BMW X4 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 which vary by company. Comprehensive and collision 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 X4 trim levels.

2024 BMW X4 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,224$519
Safe Driver Age 20$5,454$455
At-fault Accidents Age 40$3,824$319
Low Deductibles Age 40$3,604$300
Safe Driver Age 30$2,902$242
Safe Driver Age 40$2,712$226
Safe Driver Age 50$2,394$200
Discount Rate Age 40$2,254$188
High Deductibles Age 40$2,252$188
Safe Driver Age 60$2,240$187

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 BMW X4 trim levels. Updated June 26, 2025

What is the cheapest BMW X4 car insurance?

With BMW X4 car insurance cost ranging from $2,584 to $2,828 annually for the average driver, the most budget-friendly model to insure is the base xDrive30i. The second cheapest trim level to insure is the M40i xDrive.

At the top end of car insurance cost, the $79,100 M AWD trim is the most expensive to insure, costing an average of $244 more per year than the cheapest model.

The next table details average yearly and 6-month policy costs for full coverage insurance on a 2024 X4 for each available trim level.

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. Updated June 26, 2025

Insurance cost by trim level for a 2024 BMW X4 ranging from the xDrive30i model at $2,584 per year to the M AWD model at $2,828
Insurance cost by trim level for a 2024 BMW X4 ranging from the xDrive30i model at $2,584 per year to the M AWD model at $2,828

Is BMW X4 insurance expensive?

When compared to the best-selling models in the small luxury SUV category, insurance for a BMW X4 costs $106 more per year than the Audi Q5, $52 less per year than the BMW X3, $754 more per year than the Acura RDX, and $342 more per year than the Volvo XC60.

The BMW X4 ranks 30th out of 38 total vehicles in the 2024 compact luxury SUV segment. The X4 costs an average of $2,712 per year for insurance and the segment average cost is $2,541 per year, a difference of $171 per year.

The table below shows how well average X4 car insurance rates fare against the entire small luxury SUV and crossover market.

Insurance Cost Comparison: BMW X4 vs Small Luxury SUVs
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
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 vehicle from the 2024 model year. Updated June 26, 2025

At $2,712 per year, insurance cost for a 2024 BMW X4 ranks 30th out of 38 models in the small luxury SUV segment
At $2,712 per year, insurance cost for a 2024 BMW X4 ranks 30th out of 38 models in the small luxury SUV segment

A BMW X4 has an average purchase price of $66,833, ranging from $55,000 to $79,100, depending upon trim level and package.

The four compact luxury SUV models most similar in price to the X4 are the Land Rover Range Rover Velar, Lexus RZ 450e, Porsche Macan, and Jaguar F-Pace. The data below shows how those models compare to the BMW X4 for both the cost to buy it and the cost to insure it.

  • BMW X4 vs. Land Rover Range Rover Velar – The average MSRP for a 2024 BMW X4 is $2,967 cheaper than the Land Rover Range Rover Velar, at $66,833 compared to $69,800. Drivers can expect to pay around $52 less each year for full-coverage insurance on the Land Rover Range Rover Velar compared to a X4.
  • BMW X4 vs. Lexus RZ 450e – The average MSRP for a 2024 BMW X4 is $4,433 more expensive than the Lexus RZ 450e, at $66,833 compared to $62,400. Insurance on a BMW X4 costs an average of $234 more per year than the Lexus RZ 450e.
  • BMW X4 vs. Porsche Macan – Having an average sticker price of $71,625 and ranging from $60,900 to $86,800, the Porsche Macan costs $4,792 more than the X4. Insurance on a BMW X4 costs an average of $182 less every 12 months than the Porsche Macan.
  • BMW X4 vs. Jaguar F-Pace – For the 2024 model year, the MSRP on the Jaguar F-Pace averages $4,967 more than the average sticker price for the X4 ($71,800 compared to $66,833). The average insurance cost for the X4 compared to the Jaguar F-Pace is $418 less each year.

Links to additional BMW insurance comparisons can be found by visiting our insurance cost comparisons index.

How much is insurance on a used BMW X4?

Insuring a 2015 BMW X4 instead of a more expensive 2024 version could save around $992 per year, depending on the policy coverage levels. Even a barely-used 2019 X4 model will save around $426 each year.

The next table shows typical insurance premiums for different model years and driver ages. Annual car insurance cost on a BMW X4 ranges from a minimum value of $1,432 for a 60-year-old driver rated on a 2015 model to the most expensive rate of $5,454 for a 20-year-old driving a 2024 BMW X4.

BMW X4 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 BMW X4$5,454$2,712$2,240
2023 BMW X4$5,304$2,632$2,178
2022 BMW X4$5,896$2,920$2,410
2021 BMW X4$5,096$2,520$2,086
2020 BMW X4$4,936$2,444$2,024
2019 BMW X4$4,620$2,286$1,896
2018 BMW X4$4,274$2,120$1,762
2017 BMW X4$4,108$2,040$1,696
2016 BMW X4$3,734$1,858$1,544
2015 BMW X4$3,456$1,720$1,432

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. Updated June 27, 2025

Average insurance rates for 2015 to 2024 BMW X4 models for drivers age 20, 40 and 60
Average insurance rates for 2015 to 2024 BMW X4 models for drivers age 20, 40 and 60

Below are some additional example average rates for different situations, as well as some discounts and savings tips for your next policy.

  • More mature drivers get better rates than young drivers. The difference in X4 car insurance rates between a 60-year-old driver ($2,240 per year) and a 20-year-old driver ($5,454 per year) is $3,214, or a savings of 83.5%.
  • BMW X4 insurance rates for teens are expensive. Average rates for full coverage X4 insurance costs $9,533 per year for a 16-year-old driver, $9,278 per year for a 17-year-old driver, and $8,393 per year for an 18-year-old driver.
  • Obey driving laws to keep insurance cost low. If you want the cheapest price on X4 insurance, it’s necessary to be an excellent driver. As few as two driving offenses can raise the cost of a policy by up to $716 per year.
  • Don’t be a careless driver. Having multiple accidents could cost you more, potentially by an additional $1,300 per year for a 30-year-old driver and even $638 per year for a 60-year-old driver.
  • Driver gender influences rates. For a 2024 BMW X4, a 20-year-old man will pay an estimated rate of $5,454 per year, while a 20-year-old female driver pays an estimated $3,908, a difference of $1,546 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $2,394 and female driver rates are $2,340, a difference of only $54.