BMW X4 Car Insurance Cost

Securing insurance for a BMW X4 usually costs around $2,145 per year through New Jersey Manufacturers. However, the final price can fluctuate depending on factors such as your age, the model year of the car, and other relevant considerations. You can utilize the quote tables below to estimate the specific cost tailored to your circumstances.

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Updated: 26 May 2024
Written by
Bob Phillips
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If you’re considering purchasing a BMW X4, it’s important to factor in the cost of insurance. Insurance plays a significant role in car ownership, and it’s essential to understand the financial commitment before making a decision.

Choosing the right car insurance is crucial to prevent unexpected and potentially costly surprises in the future. It’s important to have adequate coverage in case of an accident to avoid hefty out-of-pocket expenses. Additionally, being responsible for an accident could lead to higher premiums.

Based on my decade-long experience studying car insurance rates, I’ve noticed how much these costs can vary. Your age, driving history, and location are all key factors that can affect your insurance premiums.

How Much Does BMW X4 Car Insurance Cost?

Usually, New Jersey Manufacturers offers the most favorable option, charging approximately $2,145 per year for comprehensive insurance on a 2024 BMW X4.

While New Jersey Manufacturers’ rate provides a useful benchmark, it’s important to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, car age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, but a history of accidents or traffic violations can increase your rates.

Additionally, living in a busy urban area typically leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium – comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.

At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal.

2024 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
New Jersey Manufacturers $2,145
Penn National $4,451
Travelers $4,677
State Farm $5,430
Mercury $5,552
Nationwide $6,240
USAA $6,681
Erie $7,233
Unitrin $7,418
Allstate $7,783

2023 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
New York Central Mutual Fire $1,405
SECURA Insurance $1,516
Plymouth Rock $1,543
Auto-Owners Insurance Co $1,710
Country $1,852
Grange Mutual $2,062
Mercury $2,184
Farmers $2,534
Allied $2,531
California Capital $2,561

2022 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $468
American National P $623
Victoria $670
Mercury Insurance $814
Virginia Farm Bureau $1,160
Texas Farm Bureau Group $1,200
Capital Insurance Group $1,219
SECURA Insurance $1,458
Buckeye Insurance Group $1,651
Grange Mutual $1,739

2021 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
Pekin Insurance $897
Victoria $995
SECURA Insurance $1,340
Capital Insurance Group $1,389
Rockford Mutual Insurance $1,468
Hastings Mutual Insurance Co $1,519
Grange Mutual $1,527
Kemper Auto | Infinity $1,617
Penn National $1,623
Plymouth Rock Assurance $1,659

2020 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
Clearcover $884
North Carolina Farm Bureau $1,171
Direct Auto $1,323
SECURA Insurance $1,508
New York Central Mutual Fire $1,512
Atlantic States Insurance $1,594
Plymouth Rock Assurance $1,786
Texas Farm Bureau Group $1,793
Capital Insurance Group $1,903
New Jersey Manufacturers $1,979

2019 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
Hastings Mutual Insurance Co $683
SAFECO $798
Buckeye Insurance Group $946
Grange Mutual $1,012
Frankenmuth Mutual $1,245
Western Reserve $1,270
Cincinnati Insurance $1,341
Ohio Mutual Ins Group $1,404
Celina Insurance Group $1,542
Westfield $1,579

2018 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
National General $453
Oregon Mutual $922
SECURA Insurance $1,048
Capital Insurance Group $1,106
PEMCO $1,131
Mutual Of Enumclaw $1,213
Titan $1,230
Mercury Insurance Company $1,230
Texas Farm Bureau Group $1,278
Norfolk and Dedham Group $1,338

2017 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
Direct Auto $841
Virginia Farm Bureau $1,061
Titan $1,209
Texas Farm Bureau Group $1,364
North Carolina Farm Bureau $1,352
ALFA $1,443
Auto-Owners Insurance Co $1,528
Utica National Ins Group $1,584
GMAC Insurance Group $1,657
Westfield $1,704

2016 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
SAFECO $102
American National P&C $511
SECURA Insurance $1,301
Utica National Ins Group $1,473
Direct Auto $1,533
Country $1,592
Clearcover $1,665
Texas Farm Bureau Group $1,674
Dairyland $1,699
Frankenmuth Mutual $1,775

2015 BMW X4 Insurance Rates

Insurance Provider Average Annual Cost
American National P $759
Safeco $815
Dairyland FR Bond $839
Mercury Insurance $1,025
Farm Bureau Mutual (IA Group) $1,037
National General Value $1,117
North Carolina Farm Bureau $1,192
GMAC Insurance Group $1,303
NatGen PPA $1,340
Clearcover $1,399

FAQs

Who has the cheapest car insurance for a BMW X4?

In 2024, New Jersey Manufacturers provides the cheapest car insurance rates for the BMW X4.

Which company offers the best car insurance for a BMW X4?

Taking into account their mix of affordable rates, extensive coverage, and outstanding customer service ratings, we believe New Jersey Manufacturers offers the optimal car insurance choice for a BMW X4.

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