BMW X4 Auto Insurance Rates

BMW X4 auto insurance rates are impacted by the luxury status of this crossover SUV. You can find cheap BMW X4 auto insurance by shopping around, with rates ranging from $143-$327/month, comparing is important. Your BMW X4 auto insurance cost will be impacted by factors like where you live and your driving record.

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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 Cinncinati.com. ...

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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...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Crossover SUVs are all the rage these days. If you like crossover SUVs, and you like luxury, then you probably want or already own a BMW X4. But do you also have a comprehensive policy at a great price? BMW auto insurance can be expensive, but we can help.

We’ll help you to understand how BMW X4 auto insurance rates are determined and how to save. But by the end of this page, you’ll know everything you need to know in order to get affordable BMW X4 auto insurance.

Ready to buy BMW X4 auto insurance today?  Use our FREE quote tool to compare BMW X4 auto insurance quotes now.

A Brief History of the BMW X4

If the BMW X3, X4, and X5 were a family of bears, the BMW X4 would be just like baby bear – not too big, not too small, but just right.

Its overall size falls right in the middle of the X3 and the X5, although it shares a very similar powertrain to its little brother, the X3.

Production started back in 2014, and is still going strong to this day. If you have the chance to take a tour of the BMW Spartanburg plant in South Carolina, you may have a chance to see one being built in person.

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BMW X4 in the News

Sadly for some, the first generation of BMW X4 vehicles will be ending production in March of 2018. However, that doesn’t mean this is the end of the line for the X4 series.

The upcoming 2018 Geneva Motor Show may be unveiling some surprises from BMW regarding this model. They could be unveiling a second generation of this line, or there’s a chance they may be replacing it entirely with something different.

Comparing BMW X4 Auto Insurance

Your location gives your insurance company a lot of information with regard to how risky you are to insure. Some drivers are riskier than others because they live in populated cities with high rates of accidents and theft.

Other drivers may pose less of a risk because they live in a zip code with relatively little traffic and high property values.

Even at the state level, what a driver in Florida might be used to paying versus the monthly premium for a native Minnesotan can be drastically different.

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BMW X4 Car Insurance by StateLegend: BMW X4 TennesseeColoradoCaliforniaNew MexicoNorth Dakota 255075100125150175200225250275$87$143$275$101$86

Finding a great deal on your insurance policy would be a lot easier if most providers only varied their rates a tiny bit. Unfortunately, evaluating risk is a very complicated process and it’s necessary for an insurance company to get it right if they don’t want to go bankrupt.

The financial risk you pose to your insurance provider determines whether or not you get a better deal on your monthly premium. Risky drivers are, of course, expensive to insure because they will likely file many claims, and expensive ones at that.

Less risky drivers, on the other hand, tend to barely file claims if ever. They’re also more likely to take on more of the financial responsibility for repairs or replacement.

BMW X4 Auto Insurance by CompanyLegend: BMW X4 State FarmFarmersNationwideEncompassAllstate 306090120150180210240270300$143$146$160$327$145

Another big thing that insurance providers look at when determining your premium is your driving record.

In their eyes, if you had accidents in the recent past, and if the circumstances of those collisions were mostly your fault, you’re going to be looking at a higher premium.

The cleaner your driving record, and the fewer claims you have in your recent history in which you are found at fault, the lower your insurance premiums will be.

BMW X4 Car Insurance by Driving RecordLegend: Tickets + Accidents Clean Record State FarmFarmersNationwideEncompassAllstate 50100150200250300350400450500$168$143$232$146$277$160$539$327$201$145

+ Accidents
Clean Record

State Farm
Farmers
Nationwide
Encompass
Allstate


50
100
150
200
250
300
350
400
450
500




$168
$143


$232
$146


$277
$160


$539
$327


$201
$145

Your BMW X4 auto insurance shouldn’t have to cost an arm and a leg. And, guess what? It won’t have to anymore.

In just a few minutes, our fast and efficient quote generator tool can find you half a dozen quotes or more from insurance providers in your area who are all competing for your business. We’ll find the best BMW X4 auto insurance company for you.

But at the end of the day, you’re the one that’s going to be winning – by saving a ton of money on your BMW X4 car insurance rates. Just use our FREE quote tool now.

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