BMW 4 Series Insurance: by Model Year & Company
BMW 4 Series insurance costs an average of $1,387 for a 6-month full coverage policy. USAA offers the cheapest rate for the latest BMW 4 Series at $194/mo or $1,166 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a BMW 4 Series:
- The 4 Series costs less to insure than most coupes. Averaging $231/mo for the 4 Series versus $245/mo for typical coupes.
- If you're considering a vehicle similar to the 4 Series, like the BMW 7 Series ($304/mo), BMW 2 Series ($205/mo), or BMW 3 Series ($200/mo), your insurance costs will be about the same.
- USAA ($174/mo), Erie ($182/mo), Progressive ($183/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$2,332 |
| Nationwide |
$2,451 |
| Progressive |
$2,543 |
| Erie |
$2,666 |
| American Family |
$2,949 |
| State Farm |
$3,055 |
| Farmers |
$4,028 |
| GEICO |
$4,884 |
| Allstate |
$5,866 |
Compare all 2025 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$3,6802024 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,506 |
| Nationwide |
$2,508 |
| Erie |
$2,588 |
| USAA |
$2,611 |
| American Family |
$2,821 |
| State Farm |
$2,938 |
| Farmers |
$3,805 |
| GEICO |
$4,676 |
| Allstate |
$5,575 |
Compare all 2024 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$3,6002023 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,453 |
| Erie |
$2,546 |
| USAA |
$2,573 |
| Nationwide |
$2,623 |
| American Family |
$2,714 |
| State Farm |
$2,838 |
| Farmers |
$3,613 |
| GEICO |
$4,003 |
| Allstate |
$5,594 |
Compare all 2023 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$3,4222022 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$2,383 |
| Progressive |
$2,389 |
| USAA |
$2,421 |
| Nationwide |
$2,456 |
| American Family |
$2,627 |
| State Farm |
$2,779 |
| Farmers |
$3,416 |
| GEICO |
$3,699 |
| Allstate |
$5,433 |
Compare all 2022 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$3,2522021 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$2,291 |
| Progressive |
$2,293 |
| USAA |
$2,310 |
| Nationwide |
$2,373 |
| American Family |
$2,520 |
| State Farm |
$2,767 |
| Farmers |
$3,281 |
| GEICO |
$3,563 |
| Allstate |
$4,795 |
Compare all 2021 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$3,0752020 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$2,176 |
| Progressive |
$2,179 |
| Erie |
$2,250 |
| American Family |
$2,416 |
| Nationwide |
$2,467 |
| Farmers |
$3,123 |
| State Farm |
$3,451 |
| GEICO |
$3,640 |
| Allstate |
$4,467 |
Compare all 2020 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$3,0852019 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$2,064 |
| Progressive |
$2,070 |
| Erie |
$2,252 |
| American Family |
$2,401 |
| State Farm |
$2,547 |
| Nationwide |
$2,741 |
| Farmers |
$3,016 |
| GEICO |
$3,297 |
| Allstate |
$4,216 |
Compare all 2019 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$2,8712018 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,967 |
| Erie |
$1,994 |
| Progressive |
$2,047 |
| GEICO |
$2,056 |
| American Family |
$2,261 |
| State Farm |
$2,416 |
| Nationwide |
$2,446 |
| Farmers |
$2,865 |
| Allstate |
$3,730 |
Compare all 2018 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$2,4222017 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,780 |
| Erie |
$1,984 |
| Progressive |
$2,015 |
| American Family |
$2,218 |
| State Farm |
$2,252 |
| Nationwide |
$2,353 |
| Farmers |
$2,769 |
| GEICO |
$3,140 |
| Allstate |
$3,710 |
Compare all 2017 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$2,6062016 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,679 |
| Erie |
$1,868 |
| Progressive |
$2,012 |
| American Family |
$2,043 |
| State Farm |
$2,211 |
| Nationwide |
$2,460 |
| Farmers |
$2,692 |
| GEICO |
$3,018 |
| Allstate |
$3,172 |
Compare all 2016 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$2,4832015 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,643 |
| Erie |
$1,735 |
| Progressive |
$1,941 |
| American Family |
$1,968 |
| State Farm |
$2,075 |
| Nationwide |
$2,422 |
| Farmers |
$2,548 |
| GEICO |
$2,894 |
| Allstate |
$3,067 |
Compare all 2015 BMW 4 Series insurance rates.
Average Cost to Insure Per Year
$2,3912014 BMW 4 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,563 |
| Erie |
$1,616 |
| American Family |
$1,887 |
| Progressive |
$1,906 |
| State Farm |
$2,136 |
| Farmers |
$2,413 |
| Nationwide |
$2,422 |
| GEICO |
$2,768 |
| Allstate |
$3,114 |
