About $3,000 a year for full coverage on a national average — 109% more than the $1,438 average car. Insurers rate the BMW M4 at an index of 209 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly across the BMW M4: Collision — damage to your own car in a crash — carries its highest loss index at 276, while Property damage sits at 105. Those 171 points are the real reason behind the price, and they are the part a quote form never shows you. Among 78 luxury cars we hold data for, the M4 ranks #57 from cheapest, above the class median of 138. Against what the car is worth the bill looks different again: a 2025 M4 sells for a median $77,000, so a year of cover costs 3.9% of the car's value. Over 10 generations of data the index has fallen from 300 (2013-2015) to 209 (2022-2024). Calculated from 28 insurance-loss records and live US listing prices.
Why a M4 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $3,000: Liability (BI + PD) $1,440 · Collision $840 · Comprehensive $360 · Other (UM / PIP) $360.
The M4 against its class
Every luxury cars we hold insurance data for, cheapest to insure first. The M4 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury cars), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 138, roughly $1,986 a year.
How it changed by generation
Insurance-loss index of the M4 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The M4 has become cheaper to insure over time (-91 points).
What a M4 costs by state
Where you park matters as much as what you drive. The M4's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | M4 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the BMW M4's loss index of 209 — your own quote also depends on age, record, deductible and ZIP.
BMW M4 insurance — frequently asked
How much is insurance for a BMW M4?
About $3,000 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 209 applied to the US average premium.
Why is the M4 expensive or cheap to insure?
For the BMW M4 the costliest area is Collision at an index of 276, covering damage to your own car in a crash — against 105 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the BMW M4 lands at 209, not at what it costs new.
Is the M4 cheaper to insure than rivals?
It ranks #57 of 78 in the luxury cars class, where the median index is 138 against this car's 209. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 3.9% of what a 2025 M4 sells for — $3,000 against a median price of $77,000. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 3.9% the M4 sits on the cheap side of it.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same M4 can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.