Cheap BMW 4 Series Car Insurance in 2024 (Cash Savings With These 10 Companies!)
Discover the best providers for cheap BMW 4 Series car insurance, with Metromile leading at just $80/month. Explore why Metromile, The Hartford, and AAA rank top for affordability and coverage options in our comprehensive guide to car insurance, ensuring you get the best value and service.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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UPDATED: Oct 22, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 22, 2024
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 are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for BMW 4 Series
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for BMW 4 Series
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for BMW 4 Series
A.M. Best Rating
Complaint Level
Pros & Cons
The top picks for cheap BMW 4 Series car insurance are Metromile, The Hartford, and AAA, known for their competitive rates and robust coverage options.
These companies stand out in the market by combining affordability with comprehensive service, making them the go-to choices for BMW 4 Series owners. In this guide, we delve into the factors that influence car insurance costs and how you can secure the best possible rates.
Our Top 10 Company Picks: Cheap BMW 4 Series Car Insurance
Company Rank Monthly Rates Multi-Vehicle Discount Best For Jump to Pros/Cons
#1 $80 25% Pay-Per-Mile Metromile
#2 $85 25% Specialized Services The Hartford
#3 $88 10% Military Support USAA
#4 $90 12% Competitive Rates Progressive
#5 $91 10% Customer Satisfaction Erie
#6 $92 20% Broad Coverage Nationwide
#7 $95 20% Reliable Coverage State Farm
#8 $97 25% Flexible Policies Liberty Mutual
#9 $98 25% Strong Reputation Allstate
#10 $100 20% Personalized Service Farmers
We also provide practical tips on how to reduce your premiums without compromising on the quality of your coverage. Read more “Best Car Insurance by Vehicle.”
Insurance companies look at several factors to set your premium, and understanding these can help you find ways to lower your insurance costs.
Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
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#1 – Metromile: Top Overall Pick
Pros
- Flexible Rates: Metromile offers competitive rates starting at $80 with costs directly tied to mileage. More information is available about this provider in our “What car insurance discounts does Metromile Insurance Company offer?.”
- Significant Multi-Vehicle Discount: Customers receive a 25% discount for insuring multiple vehicles.
- Pay-As-You-Go Billing: Ideal for low-mileage drivers, offering substantial savings compared to traditional plans.
Cons
- Limited Availability: Metromile’s services might not be available in all regions.
- Less Cost-Effective for Frequent Drivers: High-mileage drivers may find Metromile more expensive than traditional insurers.
#2 – The Hartford: Best for Specialist in Specialized Services
Pros
- Tailored Services: Known for offering specialized services that cater to specific customer needs.
- Competitive Monthly Rates: Offers affordable plans starting at $85 with a 25% multi-vehicle discount.
- Reputation for Excellence: Strong customer service reputation, particularly with older drivers. Read up on the “The Hartford Insurance Review & Ratings.” for more information.
Cons
- Higher Premiums for Some: Premiums can be higher for customers outside the target demographic.
- Complex Policy Options: Some customers may find the range of options confusing.
#3 – USAA: Best for Champion of Military Support
Pros
- Military-Focused Benefits: Tailored services and benefits for military personnel and their families.
- Consistent Customer Satisfaction: High marks for customer service and claims handling. See more details on our “USAA Insurance Review & Ratings.”
- Competitive Pricing: Offers good rates starting at $88, despite a lower multi-vehicle discount.
Cons
- Exclusivity: Only available to military members, veterans, and their families.
- Limited Discount Opportunities: Lower multi-vehicle discount at 10%.
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#4 – Progressive: Best for Leader in Competitive Rates
Pros
- Competitive Rates: Known for its aggressive pricing strategies, starting at $90. Discover more about offerings in our “Progressive Insurance Review & Ratings.”
- Discount Variety: Offers a variety of discounts including a 12% multi-vehicle discount.
- Innovative Tools: Provides tools like the Name Your Price® tool for personalized rate planning.
Cons
- Inconsistent Agent Experiences: Customer service quality can vary widely depending on the agent.
- Rate Fluctuations: Some customers may experience significant rate changes over time.
#5 – Erie: Best for Excellence in Customer Satisfaction
Pros
- High Customer Loyalty: Strong record of customer satisfaction and retention. If you want to learn more about the company, head to our “Erie Insurance Review & Ratings.”
- Tailored Policies: Offers customized insurance solutions to meet individual needs.
- Competitive Monthly Rates: Starts at $91 with a 10% discount on multiple vehicles.
Cons
- Limited Geographic Reach: Not available in all states, which limits accessibility.
- Fewer High-Tech Features: Lags behind in adopting technology-driven services.
#6 – Nationwide: Best for Comprehensive Coverage Expert
Pros
- Broad Coverage Options: Offers a wide range of coverage options to cater to diverse needs.
- Good Multi-Vehicle Discount: Provides a 20% discount for multiple vehicles.
- Stable Pricing: Maintains relatively stable pricing across various policy offerings.Check out insurance savings in our complete “Nationwide Insurance Review & Ratings.”
Cons
- Policy Complexity: Some customers may find their policy options overwhelming.
- Average Claim Response Times: Claim processing times are not the fastest in the industry.
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#7 – State Farm: Best for Diverse Coverage Expert
Pros
- Bundling Policies: Offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: Provides a substantial discount for low-mileage usage.
- Wide Coverage: Offers various coverage options tailored for different business needs. Learn more in our “State Farm Insurance Review & Ratings.”
Cons
- Limited Multi-Policy Discount: The multi-policy discount is not as high compared to some competitors.
- Premium Costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.
#8 – Liberty Mutual: Best for Flexibility Front-Runner
Pros
- Customizable Policies: Offers a wide array of customizable policy options. Unlock details in our “Liberty Mutual Review & Ratings.”
- High Multi-Vehicle Discount: Provides a substantial 25% discount for insuring multiple vehicles.
- Flexible Payment Options: Offers flexible payment plans to accommodate various budgets.
Cons
- Variable Customer Service: Customer service quality can vary.
- Higher Rates for Some Policies: Some policies may be priced higher compared to competitors.
#9 – Allstate: Best for Strong Reputation Reliant
Pros
- Trusted Brand: Known for its strong reputation and financial stability.
- Generous Discounts: Offers a 25% discount for multi-vehicle policies. Delve into our “Allstate Insurance Review & Ratings.”
- Comprehensive Support: Provides robust customer support and extensive agent networks.
Cons
- Higher Premiums: Generally higher premiums, especially for new customers.
- Complex Claims Process: Some customers report a complex claims process.
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#10 – Farmers: Best for Personalized Service Specialist
Pros
- Dedicated Agents: Known for personalized service through dedicated agents. Discover more about offerings in our “Farmers Insurance Review & Ratings.”
- Customized Coverage Options: Offers tailored coverage to fit individual needs.
- Decent Multi-Vehicle Discount: Provides a 20% discount for multi-vehicle insurance.
Cons
- Higher Cost: Can be more expensive compared to other insurers.
- Limited Online Tools: Less robust online management tools compared to industry leaders.
BMW 4 Series Insurance: Monthly Premiums by Coverage and Provider
When considering car insurance for a BMW 4 Series, it’s essential to compare both minimum and full coverage rates across various providers to find the most cost-effective and comprehensive insurance plan. The table below offers a detailed breakdown of monthly premiums, reflecting how much BMW 4 Series owners might expect to pay for different levels of coverage.
BMW 4 Series Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $98 $195
Erie $91 $170
Farmers $100 $200
Liberty Mutual $97 $195
Metromile $80 $160
Nationwide $92 $185
Progressive $90 $180
State Farm $95 $190
The Hartford $85 $175
USAA $88 $165
For minimum coverage, Metromile offers the lowest rate at $80 per month, making it an attractive option for drivers seeking basic insurance at an economical rate. On the other end, Farmers presents the highest minimum coverage rate at $100 per month.
For full coverage, which provides a more comprehensive protection, Metromile again offers the most affordable rate at $160 per month, demonstrating its overall competitiveness in the insurance market for BMW 4 Series cars. Conversely, Farmers and Liberty Mutual tie for the highest full coverage rate at $200 per month.
These figures show significant variations in premiums, indicating that BMW 4 Series owners have a range of options to consider based on their coverage needs and budget preferences. “Learn more in our “How much is car insurance.”
Understanding the Factors Affecting BMW 4 Series Car Insurance Rates
Before diving into the average costs of BMW 4 Series car insurance, it’s essential to understand the factors that influence insurance rates. These factors include:
- The Age and Model of Your BMW 4 Series: Newer models may have higher insurance rates due to their higher value and higher repair costs.
- Your Driving History: A clean driving record with no accidents or traffic violations can help lower your insurance premium.
- Your Location: Insurance rates vary by location due to factors such as crime rates, population density, and local weather conditions.
- Your Age and Gender: Younger drivers and males tend to have higher insurance rates compared to older and female drivers.
- Your Deductible Amount: Choosing a higher deductible can lower your premium, but it means you’ll have to pay more out of pocket in the event of a claim.
- Your Coverage Options: The types and limits of coverage you choose will also impact your premium.
- The Insurance Provider: Each insurance company has its own rates and rating factors, so it’s crucial to compare quotes from multiple providers.
By understanding these factors, you can have a better idea of how they affect your BMW 4 Series car insurance rates and take steps to minimize your costs.
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The Importance of Researching Car Insurance for BMW 4 Series
Researching car insurance options for your BMW 4 Series is vital in order to find the best coverage at an affordable price. It’s important to compare quotes from multiple insurance providers to ensure you’re getting the best deal. However, cost should not be your only consideration when choosing a provider.
It’s equally important to consider the reputation and financial stability of the insurance company. Reading customer reviews and checking their ratings with independent agencies can provide valuable insights into their customer service and claims handling.
Additionally, understanding the coverage options available for your BMW 4 Series is crucial. Liability coverage is typically required by law and covers damages to others if you’re at fault in an accident. However, considering additional coverage options such as collision and comprehensive can provide added protection for your vehicle.
Collision coverage will help pay for damages to your car in the event of an accident, while comprehensive coverage protects against theft, vandalism, and other non-collision incidents. Access comprehensive insights into our guide titled “Why You Should Always Take Pictures After a Car Accident.”
Average Costs of BMW 4 Series Car Insurance Explained
Now, let’s delve into the average costs of BMW 4 Series car insurance. Keep in mind that these costs are estimates, and your actual premium may vary based on the factors mentioned earlier. According to industry data, the average annual premium for insuring a BMW 4 Series is around $80 to $100 per month.
However, this figure can increase significantly if you live in an area with high crime rates or have a poor driving record. On the other hand, discounts such as bundling your car insurance with another policy or having a clean driving record can help reduce your premium. Delve into our evaluation of “Compare Car Insurance Quotes.”
Key Factors That Determine BMW 4 Series Car Insurance Premiums
We have already discussed some of the factors that influence the cost of your BMW 4 Series car insurance. However, it’s worth highlighting a few key factors in more detail:
- Age and Model: The age and model of your BMW 4 Series have a significant impact on your insurance rates. Newer models may have higher insurance costs due to their higher value and expensive parts.
- Driving Record: Having a clean driving record with no accidents or traffic violations can help lower your insurance premium. On the other hand, a history of accidents or tickets may result in higher rates.
- Location: Your location plays a crucial role in determining your insurance rates. Urban areas with higher population density and higher crime rates generally have higher premiums compared to rural areas.
- Coverage Options: The types and limits of coverage you choose will impact your premium. Adding collision and comprehensive coverage will increase your premium, but it provides more protection for your vehicle.
- Deductible Amount: Choosing a higher deductible can lower your premium, as you’ll be responsible for paying a larger portion of any insurance claim out of pocket.
The insurance premiums for a BMW 4 Series are influenced by several factors. These include the age and model of the car, where newer models tend to have higher insurance costs due to their value and the cost of parts.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?.”
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Tips to Lower Your BMW 4 Series Car Insurance Costs
There are several steps you can take to lower your BMW 4 Series car insurance costs:
- Shop around and compare quotes from multiple insurance providers to find the best deal.
- Consider increasing your deductible to lower your premium.
- Take advantage of discounts such as bundling your car insurance with other policies or having a clean driving record.
- Consider taking a defensive driving course to improve your driving skills and potentially qualify for a discount.
Implementing these tips can help you save money without compromising on necessary coverage. Discover more about offerings in our “Types of Car Insurance Coverage.”
Comparing Car Insurance Quotes for BMW 4 Series: A Step-By-Step Guide
When comparing car insurance quotes for your BMW 4 Series, it’s important to follow these steps:
- Gather relevant information about your car, including its make, model, year, and VIN.
- Identify the coverage options you need for your BMW 4 Series.
- Visit the websites of multiple insurance providers or use comparison websites to obtain quotes.
- Enter the required information accurately to receive accurate quotes.
- Compare the coverage options, deductibles, and premiums offered by each insurance provider.
- Consider the reputation and financial stability of the insurance companies.
- Choose the quote that offers the best combination of coverage, price, and reliability.
By following these steps and investing some time in comparing quotes, you can find the right insurance policy for your BMW 4 Series. To find out more, explore our guide titled “How can I pay my Grange Insurance insurance premium?.”
The Best Car Insurance Providers for BMW 4 Series Owners
While there isn’t a single “best” car insurance provider for BMW 4 Series owners, there are several reputable companies known for their excellent customer service, coverage options, and competitive rates. These companies include:
- State Farm
- Geico
- Progressive
- Allstate
- Liberty Mutual
However, keep in mind that the best car insurance provider for you may vary depending on your specific needs and circumstances. It’s crucial to compare quotes from multiple providers and consider factors such as coverage options, customer reviews, and premium rates before making a decision.
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Common Mistakes to Avoid When Insuring Your BMW 4 Series
When insuring your BMW 4 Series, it’s important to avoid these common mistakes:
- Not Shopping Around: Failing to compare quotes from multiple insurance providers can result in higher premiums or missed opportunities for discounts.
- Choosing Minimum Coverage: Opting for the minimum required coverage may save you money in the short term, but it can leave you financially vulnerable in the event of an accident.
- Not Considering Deductible Options: Choosing a deductible amount without considering the impact on your premium and out-of-pocket expenses can be a costly mistake.
- Not Updating Your Information: Failing to notify your insurance provider of any changes, such as moving to a new address or adding a new driver, can lead to coverage gaps or increased rates.
By avoiding these mistakes, you can ensure that you’re making informed decisions and getting the best insurance coverage for your BMW 4 Series. Discover insights in our “Insurance Quotes Online.”
Essential Coverage Options for BMW 4 Series Car Insurance
When it comes to coverage options for your BMW 4 Series car insurance, there are a few essential options to consider:
- Liability Coverage: Liability coverage is typically required by law and covers damages to others if you’re at fault in an accident.
- Collision Coverage: Collision coverage helps pay for damages to your car in the event of an accident, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects against theft, vandalism, and other non-collision incidents.
While these coverage options are essential, you may also want to consider additional coverage, such as uninsured/underinsured motorist coverage, medical payments coverage, and rental car reimbursement. It’s important to carefully evaluate your needs and budget before choosing the coverage options that are right for you.
Discover more about offerings in our “Collision vs. Comprehensive Car Insurance: Which coverage is right for you?.”
How Your Driving Record Impacts the Cost of Insuring a BMW 4 Series
Your driving record has a significant impact on the cost of insuring your BMW 4 Series. Insurance providers consider your past driving history to assess the level of risk you represent as a policyholder. If you have a history of accidents, traffic violations, or license suspensions, you’re more likely to be considered a high-risk driver, leading to higher insurance premiums.
On the other hand, a clean driving record with no incidents can help qualify you for lower rates. It’s essential to practice safe driving habits and follow traffic laws to maintain a clean record and keep your insurance costs down. Unlock details in our “Defensive Driving Courses Can Lower Your Car Insurance Rates.”
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Understanding the Difference in Costs Between New and Used BMW 4 Series Insurance
The cost of insuring a new BMW 4 Series is typically higher compared to a used one. Newer cars often have higher insurance rates due to their higher value and the higher cost of repairing or replacing any damages. Additionally, new cars may have more advanced safety features, which can result in lower insurance premiums.
However, it’s worth noting that used BMW 4 Series models can still have relatively high insurance costs, especially if they are high-performance variants or have expensive modifications. When considering a new or used BMW 4 Series, it’s important to take these factors into account and compare insurance quotes for both options.
Check out insurance savings in our complete “Car Driving Safety Guide for Teens and Parents.”
Exploring Bundling Options: Saving Money on Your BMW 4 Series Car Insurance and Homeowners Policy
If you own a home or rent a property, bundling your BMW 4 Series car insurance with your homeowners or renters insurance can help you save money. Insurance companies often offer discounts for bundling multiple policies, as it reduces their administrative costs and increases customer loyalty.
By bundling your car insurance and homeowners policy, you can typically enjoy a significant discount on both premiums. It’s always good practice to compare bundled quotes with individual quotes to ensure you’re getting the best deal for your specific needs.
Is Comprehensive Coverage Worth It for Your BMW 4 Series
Comprehensive coverage is worth considering for your BMW 4 Series, especially if you live in an area prone to theft, vandalism, or natural disasters. While it does add to your insurance premium, comprehensive coverage protects your vehicle against a wide range of potential perils that are not covered by basic liability or collision coverage.
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It provides peace of mind knowing that you’re financially protected in situations such as theft, fire, flooding, hail, or falling objects. When deciding whether to purchase comprehensive coverage for your BMW 4 Series, consider factors such as the age and value of your vehicle, your location, and your budget.
Read up on the “Roadside Assistance Coverage: A Complete Guide” for more information.
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Common Discounts Available for BMW 4 Series Car Insurance
When shopping for BMW 4 Series car insurance, don’t forget to consider the various discounts that may be available to you. Common discounts for BMW 4 Series car insurance include:
- Safe Driver Discount: If you have a clean driving record, you may be eligible for a safe driver discount.
- Multi-Vehicle Discount: Insuring multiple vehicles with the same provider often qualifies you for a multi-vehicle discount.
- Good Student Discount: If you or someone on your policy is a full-time student with good grades, you may be eligible for a good student discount.
- Anti-Theft Device Discount: Installing anti-theft devices in your BMW 4 Series can help lower your premium.
- Membership or Affiliation Discount: Some insurance providers offer discounts for being a member of certain professional associations or clubs.
It’s important to inquire with potential insurance providers about the availability of these and other discounts to ensure you’re taking advantage of all potential savings opportunities. Access comprehensive insights into our “Best Car Insurance for College Students.”
In conclusion, the cost of BMW 4 Series car insurance depends on various factors such as the age and model of your vehicle, your driving record, location, coverage options, deductible amount, and the insurance provider you choose.
By understanding these factors and following the tips provided in this article, you can make well-informed decisions to minimize your insurance costs while ensuring you have the appropriate coverage for your BMW 4 Series. Remember to shop around, compare quotes, and consider the reputation and financial stability of the insurance companies to find the best insurance options for your specific needs.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
What factors influence the cost of BMW 4 series car insurance?
The cost of BMW 4 Series car insurance can be influenced by several factors, including the driver’s age, location, driving history, coverage options, deductibles, and the model and year of the BMW 4 Series.
For additional details, explore our comprehensive resource titled “Best Car Insurance for 21-Year-Old Drivers.”
Are BMW 4 series cars expensive to insure compared to other vehicles?
Generally, BMW 4 Series cars tend to have higher insurance costs compared to average vehicles due to their higher value, performance capabilities, and repair costs.
Is it possible to reduce the cost of BMW 4 series car insurance?
Yes, there are several ways to potentially reduce the cost of BMW 4 Series car insurance. These include maintaining a clean driving record, opting for higher deductibles, bundling insurance policies, installing anti-theft devices, and taking advantage of any available discounts.
Do different BMW 4 series models have different insurance costs?
Yes, insurance costs can vary between different BMW 4 Series models. Factors such as the model’s engine size, horsepower, and trim level can affect the insurance rates.
Are there any specific BMW 4 series car insurance discounts available?
Insurance providers may offer various discounts specifically for BMW 4 Series car owners. These can include discounts for safety features, loyalty discounts, good student discounts, and discounts for completing defensive driving courses.
To find out more, explore our guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”
Are BMW 4 series expensive to insure?
The insurance for a BMW 4 Series is typically costly, averaging $160 to $200 per month. Metromile offers the most affordable full coverage at $160 per month. Insurance prices can differ based on factors such as the driver’s age, the model year, and the insurance company.
What’s the cheapest BMW to insure?
Insurance groups for BMWs can differ greatly. Generally, the most affordable BMW to insure is the 1 Series, particularly the hatchback models with simpler trim and less power.
Is BMW 4 series expensive to maintain?
The cost of maintaining and repairing a BMW 4 Series is approximately $62 per month. This estimate covers scheduled maintenance, normal wear and tear, and likely repairs.
Which is the most affordable BMW car?
The starting price for BMW’s most affordable model, the 2 Series Gran Coupe, is approximately $53,500, while the cost for their most expensive model, the XM, begins at around $317,000.
To learn more, explore our comprehensive resource on “Full Coverage Car Insurance: A Complete Guide.”
Which BMW is low maintenance cost?
The BMW 3 Series is one of India’s top low-maintenance luxury cars, even though it comes with a high price tag.
Is BMW hard to insure?
Driving a high-performance BMW typically places it in a more expensive insurance category, resulting in higher insurance costs. According to data from MoneySuperMarket, the BMW M4 Competition Package is the most costly model to insure, whereas the BMW 116 1 is the least expensive.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.
Why is BMW 4 so expensive?
Design and engineering are the primary factors contributing to the high cost of BMWs. Known for their luxurious interiors and dependable performance, BMWs are highly coveted for their exceptional quality and craftsmanship.
Do BMW 4 series hold their value?
The 2021 BMW 4 Series represents the best value for its model year. On average, purchasing the 2021 model allows you to pay just 82% of its original price while still retaining 92% of the car’s useful life.
Learn more by reading our guide titled “The Most and Least Car-Dependent States.”
What is BMW 4 series known for?
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.