BMW X4 Insurance: by Model Year & Company
BMW X4 insurance costs an average of $1,309 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest BMW X4 at $167/mo or $999 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 X4:
- The X4 costs more to insure than most SUVs. Averaging $218/mo for the X4 versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the X4, 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.
- Progressive ($147/mo), American Family ($173/mo), USAA ($185/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 X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,998 |
| American Family |
$2,391 |
| USAA |
$2,602 |
| Nationwide |
$2,617 |
| State Farm |
$2,861 |
| Erie |
$2,936 |
| GEICO |
$3,241 |
| Farmers |
$3,819 |
| Allstate |
$5,616 |
Compare all 2025 BMW X4 insurance rates.
Average Cost to Insure Per Year
$3,2072024 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,974 |
| American Family |
$2,286 |
| USAA |
$2,579 |
| Nationwide |
$2,676 |
| State Farm |
$2,761 |
| Erie |
$2,826 |
| GEICO |
$3,111 |
| Farmers |
$3,594 |
| Allstate |
$5,305 |
Compare all 2024 BMW X4 insurance rates.
Average Cost to Insure Per Year
$3,1042023 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,936 |
| American Family |
$2,209 |
| USAA |
$2,532 |
| Nationwide |
$2,699 |
| Erie |
$2,743 |
| State Farm |
$2,805 |
| GEICO |
$2,977 |
| Farmers |
$3,474 |
| Allstate |
$4,689 |
Compare all 2023 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,9702022 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,892 |
| American Family |
$2,178 |
| USAA |
$2,386 |
| Nationwide |
$2,568 |
| Erie |
$2,626 |
| State Farm |
$2,700 |
| GEICO |
$2,894 |
| Farmers |
$3,265 |
| Allstate |
$4,565 |
Compare all 2022 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,8612021 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,820 |
| American Family |
$2,078 |
| USAA |
$2,279 |
| Erie |
$2,561 |
| State Farm |
$2,695 |
| Nationwide |
$2,740 |
| GEICO |
$2,812 |
| Farmers |
$3,178 |
| Allstate |
$4,285 |
Compare all 2021 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,7902020 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,735 |
| American Family |
$1,949 |
| USAA |
$2,168 |
| Nationwide |
$2,532 |
| State Farm |
$2,571 |
| Erie |
$2,601 |
| GEICO |
$2,661 |
| Farmers |
$2,999 |
| Allstate |
$3,737 |
Compare all 2020 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,5962019 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,658 |
| American Family |
$1,921 |
| USAA |
$2,052 |
| Erie |
$2,444 |
| GEICO |
$2,461 |
| Nationwide |
$2,502 |
| State Farm |
$2,605 |
| Farmers |
$2,886 |
| Allstate |
$3,824 |
Compare all 2019 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,5232018 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,693 |
| State Farm |
$2,265 |
| American Family |
$2,602 |
| USAA |
$2,805 |
| Erie |
$2,963 |
| Allstate |
$2,991 |
| Nationwide |
$3,347 |
| Farmers |
$3,841 |
| GEICO |
$4,089 |
Compare all 2018 BMW X4 insurance rates.
Average Cost to Insure Per Year
$3,0552017 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,577 |
| American Family |
$1,746 |
| USAA |
$1,765 |
| Erie |
$2,087 |
| State Farm |
$2,149 |
| GEICO |
$2,293 |
| Nationwide |
$2,351 |
| Farmers |
$2,629 |
| Allstate |
$2,723 |
Compare all 2017 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,1782016 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,587 |
| USAA |
$1,691 |
| American Family |
$1,784 |
| State Farm |
$2,050 |
| GEICO |
$2,212 |
| Erie |
$2,370 |
| Nationwide |
$2,407 |
| Farmers |
$2,529 |
| Allstate |
$2,578 |
Compare all 2016 BMW X4 insurance rates.
Average Cost to Insure Per Year
$2,1292015 BMW X4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,473 |
| USAA |
$1,556 |
| American Family |
$1,737 |
| State Farm |
$1,840 |
| Erie |
$1,910 |
| GEICO |
$2,136 |
| Nationwide |
$2,368 |
| Farmers |
$2,445 |
| Allstate |
$2,452 |