BMW I4 M50 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW i4 M50 are $2,224 annually including full coverage. Comprehensive insurance costs an estimated $478 each year, collision insurance costs $958, and liability is estimated at $570. A policy with just liability insurance costs approximately $650 a year, and coverage for high-risk drivers costs $4,840 or more. Teen drivers pay the highest rates at up to $8,186 a year.
Average premium for full coverage: $2,224
Price estimates broken down by individual coverage:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and i4 M50 models.
Price Range from Low to High
For an average driver, BMW i4 M50 insurance prices range from as cheap as $650 for just liability coverage to a high rate of $4,840 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down average BMW i4 M50 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,254
- Choosing higher $1,000 deductibles can save approximately $324 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $2,224
- Choosing low deductibles for comp and collision coverage costs an additional $636 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $4,840
- The price with full coverage for a teen driver can cost as much as $8,186 each year
Insurance prices for a BMW i4 M50 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $2,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $8,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $2,600 to $3,600 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $960 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $513 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for BMW i4 M50 insurance prices. A good driver about age 40 could pay as low as $1,700 a year in states like Vermont, New Hampshire, and Missouri, or as much as $3,170 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $2,010 | -$214 | -9.6% |
| Alaska | $1,704 | -$520 | -23.4% |
| Arizona | $1,846 | -$378 | -17.0% |
| Arkansas | $2,224 | -$0 | 0.0% |
| California | $2,534 | $310 | 13.9% |
| Colorado | $2,124 | -$100 | -4.5% |
| Connecticut | $2,284 | $60 | 2.7% |
| Delaware | $2,514 | $290 | 13.0% |
| Florida | $2,780 | $556 | 25.0% |
| Georgia | $2,056 | -$168 | -7.6% |
| Hawaii | $1,598 | -$626 | -28.1% |
| Idaho | $1,508 | -$716 | -32.2% |
| Illinois | $1,656 | -$568 | -25.5% |
| Indiana | $1,676 | -$548 | -24.6% |
| Iowa | $1,504 | -$720 | -32.4% |
| Kansas | $2,112 | -$112 | -5.0% |
| Kentucky | $3,034 | $810 | 36.4% |
| Louisiana | $3,292 | $1,068 | 48.0% |
| Maine | $1,374 | -$850 | -38.2% |
| Maryland | $1,834 | -$390 | -17.5% |
| Massachusetts | $1,778 | -$446 | -20.1% |
| Michigan | $3,862 | $1,638 | 73.7% |
| Minnesota | $1,862 | -$362 | -16.3% |
| Mississippi | $2,662 | $438 | 19.7% |
| Missouri | $1,972 | -$252 | -11.3% |
| Montana | $2,390 | $166 | 7.5% |
| Nebraska | $1,752 | -$472 | -21.2% |
| Nevada | $2,666 | $442 | 19.9% |
| New Hampshire | $1,600 | -$624 | -28.1% |
| New Jersey | $2,484 | $260 | 11.7% |
| New Mexico | $1,968 | -$256 | -11.5% |
| New York | $2,342 | $118 | 5.3% |
| North Carolina | $1,282 | -$942 | -42.4% |
| North Dakota | $1,820 | -$404 | -18.2% |
| Ohio | $1,536 | -$688 | -30.9% |
| Oklahoma | $2,280 | $56 | 2.5% |
| Oregon | $2,038 | -$186 | -8.4% |
| Pennsylvania | $2,120 | -$104 | -4.7% |
| Rhode Island | $2,966 | $742 | 33.4% |
| South Carolina | $2,012 | -$212 | -9.5% |
| South Dakota | $1,876 | -$348 | -15.6% |
| Tennessee | $1,944 | -$280 | -12.6% |
| Texas | $2,680 | $456 | 20.5% |
| Utah | $1,648 | -$576 | -25.9% |
| Vermont | $1,520 | -$704 | -31.7% |
| Virginia | $1,332 | -$892 | -40.1% |
| Washington | $1,716 | -$508 | -22.8% |
| West Virginia | $2,038 | -$186 | -8.4% |
| Wisconsin | $1,540 | -$684 | -30.8% |
| Wyoming | $1,982 | -$242 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW i4 M50 | $494 | $982 | $546 | $2,240 |
| 2023 BMW i4 M50 | $478 | $958 | $570 | $2,224 |
| 2022 BMW i4 M50 | $462 | $918 | $588 | $2,186 |
Rates are averaged for all BMW i4 M50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best BMW i4 M50 Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit history, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a brief recap of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $280 per year just by quoting online in advance
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $2,620 more annually for i4 M50 insurance
- Increasing physical damage deductibles could save up to $950 each year
- Teens are charged the highest prices, possibly costing $682 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $8,186 |
| 20 | $5,170 |
| 30 | $2,334 |
| 40 | $2,224 |
| 50 | $2,032 |
| 60 | $1,994 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,860 |
| $250 | $2,564 |
| $500 | $2,224 |
| $1,000 | $1,900 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,224 |
| 50/100 | $2,338 |
| 100/300 | $2,481 |
| 250/500 | $2,851 |
| 100 CSL | $2,395 |
| 300 CSL | $2,709 |
| 500 CSL | $2,937 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $11,732 |
| 20 | $8,236 |
| 30 | $4,960 |
| 40 | $4,840 |
| 50 | $4,618 |
| 60 | $4,576 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $120 |
| Multi-vehicle | $117 |
| Homeowner | $31 |
| 5-yr Accident Free | $173 |
| 5-yr Claim Free | $146 |
| Paid in Full/EFT | $108 |
| Advance Quote | $115 |
| Online Quote | $160 |
| Total Discounts | $970 |
Discounts are estimated and may not be available from every company or in every state.
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