- BMW X4 car insurance costs an average of $2,780 per year, or about $232 per month for a policy with full coverage.
- The X4 xDrive30i trim level is the cheapest to insure at around $2,646 per year. The most expensive trim is the M AWD at $2,900 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 $177 more per year on average.
How much does BMW X4 car insurance cost?
BMW X4 insurance costs on average $2,780 a year, or around $232 on a monthly basis. Drivers can plan on paying around $177 more per year for X4 insurance when compared to the average rate for all small luxury SUVs, and $504 more per year than the overall all-vehicle national average of $2,276.
The following chart illustrates average insurance rates on a BMW X4 for different driver ages, deductible levels, and risk profiles.
What is the cheapest BMW X4 car insurance?
With BMW X4 car insurance cost ranging from $2,646 to $2,900 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 $254 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| xDrive30i | $2,646 | $221 |
| M40i xDrive | $2,790 | $233 |
| M AWD | $2,900 | $242 |
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 October 24, 2025
Is BMW X4 insurance expensive?
When compared to the best-selling models in the small luxury SUV category, insurance for a BMW X4 costs $110 more per year than the Audi Q5, $50 less per year than the BMW X3, $774 more per year than the Acura RDX, and $350 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 $2,780 per year for insurance and the segment average cost is $2,603 per year, a difference of $177 per year.
The table below shows how well average X4 car insurance rates fare against the entire small luxury SUV and crossover market.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $2,006 | -$774 |
| 2 | Lexus NX 250 | $2,124 | -$656 |
| 3 | Cadillac XT4 | $2,166 | -$614 |
| 4 | Lexus NX 350h | $2,264 | -$516 |
| 5 | Lincoln Corsair | $2,292 | -$488 |
| 6 | Mercedes-Benz GLB 250 | $2,296 | -$484 |
| 7 | Lexus UX 250h | $2,300 | -$480 |
| 8 | Lexus NX 450h | $2,314 | -$466 |
| 9 | Mercedes-Benz GLA250 | $2,340 | -$440 |
| 10 | Mercedes-Benz GLA35 AMG | $2,348 | -$432 |
| 11 | Land Rover Evoque | $2,396 | -$384 |
| 12 | Lexus NX 350 | $2,406 | -$374 |
| 13 | Volvo XC40 | $2,416 | -$364 |
| 14 | Volvo XC60 | $2,430 | -$350 |
| 15 | Alfa Romeo Tonale | $2,434 | -$346 |
| 16 | Mercedes-Benz GLA45 AMG | $2,446 | -$334 |
| 17 | BMW X1 | $2,476 | -$304 |
| 18 | Infiniti QX55 | $2,482 | -$298 |
| 19 | Volvo C40 | $2,502 | -$278 |
| 20 | BMW X2 | $2,510 | -$270 |
| 21 | Lexus RZ 450e | $2,542 | -$238 |
| 22 | Mercedes-Benz EQB 300 | $2,554 | -$226 |
| 23 | Mercedes-Benz GLC300 | $2,572 | -$208 |
| 24 | Mercedes-Benz EQB 350 | $2,614 | -$166 |
| 25 | Genesis GV70 | $2,642 | -$138 |
| 26 | Audi Q3 | $2,660 | -$120 |
| 27 | Audi Q5 | $2,670 | -$110 |
| 28 | Alfa Romeo Stelvio | $2,694 | -$86 |
| 29 | Land Rover Range Rover Velar | $2,726 | -$54 |
| 30 | BMW X4 | $2,780 | -- |
| 31 | Audi Q4 | $2,800 | $20 |
| 32 | BMW X3 | $2,830 | $50 |
| 33 | Genesis GV60 | $2,918 | $138 |
| 34 | Porsche Macan | $2,962 | $182 |
| 35 | Jaguar I-Pace | $3,000 | $220 |
| 36 | Land Rover Defender | $3,114 | $334 |
| 37 | Jaguar F-Pace | $3,206 | $426 |
| 38 | Aston Martin DBX | $4,672 | $1,892 |
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 October 24, 2025
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 $54 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 $238 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 $426 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 $1,018 per year, depending on the policy coverage levels. Even a barely-used 2019 X4 model will save around $438 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 $1,468 for a 60-year-old driver rated on a 2015 model to the most expensive rate of $5,586 for a 20-year-old driving a 2024 BMW X4.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 BMW X4 | $5,586 | $2,780 | $2,298 |
| 2023 BMW X4 | $5,434 | $2,698 | $2,230 |
| 2022 BMW X4 | $6,042 | $2,990 | $2,468 |
| 2021 BMW X4 | $5,222 | $2,582 | $2,136 |
| 2020 BMW X4 | $5,062 | $2,502 | $2,072 |
| 2019 BMW X4 | $4,734 | $2,342 | $1,942 |
| 2018 BMW X4 | $4,378 | $2,172 | $1,804 |
| 2017 BMW X4 | $4,210 | $2,088 | $1,738 |
| 2016 BMW X4 | $3,824 | $1,904 | $1,582 |
| 2015 BMW X4 | $3,538 | $1,762 | $1,468 |
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 October 24, 2025
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 ($2,298 per year) and a 20-year-old driver ($5,586 per year) is $3,288, or a savings of 83.4%.
- BMW X4 insurance rates for teens are expensive. Average rates for full coverage X4 insurance costs $9,767 per year for a 16-year-old driver, $9,505 per year for a 17-year-old driver, and $8,599 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 $734 per year.
- Don’t be a careless driver. Having multiple accidents could cost you more, potentially by an additional $1,330 per year for a 30-year-old driver and even $650 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 $5,586 per year, while a 20-year-old female driver pays an estimated $4,002, a difference of $1,584 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $2,454 and female driver rates are $2,394, a difference of only $60.