BMW I4 Insurance: by Model Year & Company

BMW I4 insurance costs an average of $1,782 for a 6-month full coverage policy. USAA offers the cheapest rate for the latest BMW I4 at $191/mo or $1,146 for a 6-month full coverage policy.

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What to know about insuring a BMW I4:

The I4 costs more to insure than most sedans. Averaging $297/mo for the I4 versus $203/mo for typical sedans.
If you're considering a vehicle similar to the I4, like the BMW 1 Series ($138/mo), BMW 6 Series ($248/mo), or BMW 7 Series ($304/mo), your insurance costs will be about the same.
USAA ($190/mo), Nationwide ($216/mo), American Family ($245/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.

Compare BMW I4 insurance costs vs other vehicles

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2025 BMW I4

Av. Cost Per Year$3,855

Av. Per Month$321

Cheapest Companies

USAA$193/m

Nationwide$229/m

American Family$241/m

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How much does it cost to insure my BMW I4?

2025 BMW I4

Cheapest Insurance Companies	Average Annual Cost
USAA	$2,292
Nationwide	$2,487
American Family	$3,125
Erie	$3,129
State Farm	$3,201
Progressive	$3,303
GEICO	$3,772
Farmers	$5,324
Allstate	$7,445

Compare all 2025 BMW I4 insurance rates.

Average Cost to Insure Per Year

$3,855

2024 BMW I4

Cheapest Insurance Companies	Average Annual Cost
USAA	$2,270
Nationwide	$2,541
American Family	$2,862
Erie	$2,967
State Farm	$3,078
Progressive	$3,234
GEICO	$3,618
Farmers	$4,963
Allstate	$7,182

Compare all 2024 BMW I4 insurance rates.

Average Cost to Insure Per Year

$3,731

2023 BMW I4

Cheapest Insurance Companies	Average Annual Cost
USAA	$2,255
Nationwide	$2,570
Erie	$2,840
American Family	$2,885
State Farm	$2,928
Progressive	$3,153
GEICO	$3,268
Farmers	$4,843
Allstate	$6,713

Compare all 2023 BMW I4 insurance rates.

Average Cost to Insure Per Year

$3,547

2022 BMW I4

Cheapest Insurance Companies	Average Annual Cost
USAA	$2,319
Nationwide	$2,751
American Family	$2,894
State Farm	$2,918
Erie	$2,954
Progressive	$3,097
GEICO	$3,268
Farmers	$4,286
Allstate	$5,578

Compare all 2022 BMW I4 insurance rates.

Average Cost to Insure Per Year

$3,382