Car Insurance Quotes for the BMW 4-Series

Car insurance costs for a BMW 4-Series start at around $125 per month for liability coverage, while the average rate for full coverage is $231 per month. The final coverage rate depends on factors such as the specific vehicle you have, whether it’s a coupe, convertible, or a Gran Coupe version, but it will also depend on other personal and statistical factors that we will discuss throughout this guide.

Keep reading to discover how to protect your BMW 4-Series, which stands out for its style and sporty feel combined with smooth performance, making it ideal for those looking for a better alternative to the everyday sedan.

When choosing coverage for your BMW 4-Series, it helps to think about how often you drive and the type of auto insurance you’re comfortable carrying. Some drivers choose basic coverage to meet legal requirements, while others prefer extra protection for a vehicle with higher repair costs.

Full Coverage

If you’re looking for greater protection and to avoid expensive problems, full car coverage combines liability, collision, and comprehensive insurance. This broader protection goes beyond when you’re driving; it also helps you when something happens to your BMW 4-Series while it’s parked or unattended.

For instance, imagine you park your car overnight on the street and wake up to find it damaged after someone sideswiped it and drove away. Collision coverage can help pay for repairs, while comprehensive coverage would apply if the damage came from vandalism, a break-in, or a fallen tree during a storm. These are the kinds of situations where full coverage can make a big financial difference.

Additionally, because repairs and parts for a BMW 4-Series can be costly, many drivers choose full coverage to avoid paying large repair bills out of pocket. You can also add the Freeway Auto Club, which provides 24/7 roadside assistance for things like towing, dead batteries, flat tires, or lockouts—extra support when the unexpected happens.

State Minimum Liability

Liability car insurance is the most basic coverage required by law to drive legally. Instead of protecting your own BMW 4-Series, this coverage is designed to pay for bodily injuries and property damages suffered by others when an accident is your responsibility.

Picture this situation: you’re driving through traffic and misjudge the distance while braking, causing a minor rear-end collision. State minimum liability can help cover the other driver’s medical expenses and the repairs to their vehicle. However, any damage to your own BMW—whether it’s a scratched bumper or more serious repairs—would need to be paid out of pocket.

Coverage requirements vary by state. In Colorado, for example, drivers must carry 25/50/15, which correspond to bodily injuries per person, bodily injuries per accident and property damages. Since Colorado is an at-fault state, the driver who causes the accident is financially responsible for covering those costs. While this level of coverage keeps you legal, it may not be enough in more serious accidents, which is why some drivers choose higher limits.

Insurance companies don’t base your rate on the vehicle alone. They also look at personal and location-based details to estimate risk. Here are some of the factors that can influence what you pay for car insurance:

Imagine you’re driving your BMW 4-Series home after a late dinner where you had a few too many drinks. You didn’t expect it, but you ended up at a checkpoint and now you have a DUI charge. After that, your insurer will see you as a high-risk driver, your rates will go up, and they might even cancel or refuse to renew your policy.

On top of that, your state could require an SR-22 filing, meaning you must prove you carry at least the minimum required insurance before you’re allowed to keep driving legally. At that point, your options become more limited, and premiums often increase significantly.

While this situation can feel overwhelming, it doesn’t mean you’re stuck without options. Freeway Insurance works with DUI cases and can guide you through the SR-22 insurance step by step. Over time, keeping a clean record and avoiding further violations can help reduce your rates and open the door to better coverage again.

Even with a high-performance vehicle, there are ways to get cheap car insurance, especially if your driving record is clean. A bilingual agent at Freeway Insurance can review your situation and help you find savings that match your profile, instead of applying generic discounts that may not be very beneficial for you.

Some driver discounts you may qualify for include:

The BMW 4-Series was introduced in 2014 as a sportier version of the 3-Series. It offers a sleek design, responsive handling, and different body styles to suit various preferences.

Some key characteristics of this BMW include: