BMW M4 Auto Insurance Rates

BMW M4 auto insurance cost varies depending on the company, with rates ranging from $135 to $272 a month. Other factors that affect your BMW M4 auto insurance price are your driving history and where you live. The best way to get cheap car insurance for a BMW M4 is to compare rates from different companies to see which has the best BMW M4 auto insurance rates for you.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Nobody enjoys going through the painful, expensive process of shopping around for a good deal on your car insurance. This can be especially tedious if you’re driving a luxury car like a BMW M4.

But don’t worry – just because your vehicle is luxurious and expensive, doesn’t mean your car insurance rates have to be. You can find cheap BMW auto insurance, and yes, you can even find affordable BMW M4 auto insurance rates.

Here at, we’re the experts at helping people like you find top-tier car insurance policies at bargain-bin prices. Just keep reading to learn more, then use our FREE quote tool to compare BMW M4 auto insurance quotes.

A Brief History of the BMW M4

The BMW M4 is very similar in design to those models in the BMW 4 Series.  However, the “M” in M4 may very well stand for “more”: a more powerful and responsive engine; better braking, handling, and suspension systems; and more luxury inside and out (compared to the BMW 4 Series, that is).

The M4 has been available to consumers since the late winter of 2014 and comes in both coupe and convertible body styles. Newer models of the BMW M4 series start with an MSRP of $67,000; used vehicles should be a little bit less expensive, however.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

BMW M4 in the News

For those who like the race car driver feel of the BMW M4 GTS, but can’t afford the price tag, the upcoming 2018 BMW M4 CS may be your next best option.

The engine is getting a makeover, bumping it up to 454 HP, which is 29 above a regular M4 Coupe and at least 10 horsepower stronger than its closest competition.

Estimates calculate this vehicle will be able to go from 0 to 60 in just under 4 seconds. It seems as though the upcoming BMW M4 models are catering to those who have a need for speed at a relatively affordable price point.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Comparing BMW M4 Auto Insurance

Odds are that if you’re spending $70,000 or more on a luxury vehicle, you’re probably not living in an area with high rates of theft or vandalism. These factors can help reduce the overall monthly premium on your BMW M4 auto insurance.

However, population and rates of accidents in your area – although these are not factors you can personally control – will also influence your monthly rate.

The higher the population, the more frequent the accidents are, and the worse the rush hour traffic is in your ZIP code, the more likely you are to see higher premium quotes.

BMW M4 Auto Insurance by StateLegend: BMW M4 TennesseeKentuckyMississippiTexasDelaware 153045607590105120135150$86$115$141$160$136

Just like you won’t get the same quote for your BMW M4 auto insurance from one area to another, you’re not going to see similar quotes between different insurance agencies, either.

Some companies would rather cover moderately priced vehicles, and we’ll end up charging you more for your coverage.

Other companies may take a liking to you since people who can afford luxury vehicles usually come with good credit scores and a long history of financial stability – both of which can get you discounts on your premiums.

This is one of many reasons why it’s important to compare quotes between different insurance providers before you make a final decision.

BMW M4 Car Insurance by CompanyLegend: BMW M4 NationwideState FarmEncompassAllstateLiberty Mutual 20406080100120140160180200220240260$148$139$187$272$187

It’s probably safe to say that if you own, or are interested in purchasing a vehicle that can go from 0 to 60 in 3.8 Seconds, you may not exactly obey speed limit signs too often.

Yes, fast cars are fun – but if you have several previous speeding violations, or if you happen to collect any in the future, it may be more difficult to get an affordable premium.

At the very least, you’ll be missing out on a safe driver discount. In a worst-case scenario, you may be charged exceptionally higher premiums because your insurance company may consider you to be an exceptionally risky driver.

BMW M4 Auto Insurance – Speeding Ticket PenaltiesLegend: Clean Record Minor Speeding Ticket Major Speeding Ticket NationwideState FarmEncompassAllstateLiberty Mutual 306090120150180210240270300$148$168$189$139$241$259$187$236Do Not Sell$272$304$318$187$236$247

Drivers who are looking for a great deal on their BMW m4 car insurance may feel like they’re fighting an uphill battle – and for most owners, that assumption may be very close to the truth.

However, there are always ways to save. Shopping around is one of the quickest and easiest things you can do to lower your premiums right now. There’s no one BMW M4 auto insurance company that’s right for everyone, so you need to do your research.

Ready to buy BMW M4 auto insurance? In just 5 minutes or less, you can compare quotes from multiple different carriers and save. Why not give it a shot?

Other Popular Models From BMW

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption