BMW I4 M50 Insurance Rates

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Cheaper 2022 BMW i4 M50 Car Insurance Quotes in 2025

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a BMW i4 M50 are $2,240 every 12 months with full coverage. Comprehensive costs approximately $494 each year, collision insurance costs $982, and liability insurance costs $546. Liability-only insurance costs as little as $630 a year, and high-risk driver insurance costs around $4,872. Teen drivers pay the highest rates at up to $8,192 a year.

Average premium for full coverage: $2,240

Price estimates by individual coverage:

Comprehensive $494
Collision $982
Liability $546

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and i4 M50 models.

Price Range from Low to High

Using a middle-aged driver as an example, BMW i4 M50 insurance prices range from the cheapest price of $630 for basic liability insurance to a high rate of $4,872 for a high-risk driver policy.

Liability Only $630
Full Coverage $2,240
High Risk $4,872

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $1,680
Small Cities $2,352
Large Cities $3,024

The ranges above demonstrate why all drivers should compare rates using their specific location and their own driving history, rather than relying on 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.

Rate Comparisons

The chart below details average BMW i4 M50 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $1,261
  • Drivers who choose higher $1,000 deductibles will pay $334 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $2,240
  • Choosing low deductibles for comprehensive and collision insurance increases the price to $2,896
  • High risk drivers with multiple violations and an at-fault accident could pay around $4,872
  • The price to insure a teen driver can cost $8,192 a year

View Chart as Image

BMW i4 M50 insurance cost comparison chart
Column chart showing BMW i4 M50 insurance rates range from $1,261 to $8,192 for full coverage

Car insurance prices for a BMW i4 M50 are also quite variable based on deductibles and policy limits, your driving record, and the model of your i4 M50.

Choosing high deductibles could save up to $990 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $492 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $2,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $8,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $2,600 to $3,600 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

The state you live in makes a big difference in BMW i4 M50 insurance rates. A 40-year-old driver could pay as low as $1,610 a year in states like Utah, Ohio, and New Hampshire, or as much as $3,020 on average in New York, Michigan, and Florida.

BMW i4 M50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $2,024 -$216 -9.6%
Alaska $1,718 -$522 -23.3%
Arizona $1,860 -$380 -17.0%
Arkansas $2,240 -$0 0.0%
California $2,554 $314 14.0%
Colorado $2,140 -$100 -4.5%
Connecticut $2,304 $64 2.9%
Delaware $2,536 $296 13.2%
Florida $2,800 $560 25.0%
Georgia $2,070 -$170 -7.6%
Hawaii $1,610 -$630 -28.1%
Idaho $1,520 -$720 -32.1%
Illinois $1,670 -$570 -25.4%
Indiana $1,688 -$552 -24.6%
Iowa $1,514 -$726 -32.4%
Kansas $2,126 -$114 -5.1%
Kentucky $3,054 $814 36.3%
Louisiana $3,316 $1,076 48.0%
Maine $1,384 -$856 -38.2%
Maryland $1,848 -$392 -17.5%
Massachusetts $1,792 -$448 -20.0%
Michigan $3,890 $1,650 73.7%
Minnesota $1,876 -$364 -16.3%
Mississippi $2,682 $442 19.7%
Missouri $1,988 -$252 -11.3%
Montana $2,408 $168 7.5%
Nebraska $1,764 -$476 -21.3%
Nevada $2,686 $446 19.9%
New Hampshire $1,614 -$626 -27.9%
New Jersey $2,504 $264 11.8%
New Mexico $1,984 -$256 -11.4%
New York $2,358 $118 5.3%
North Carolina $1,290 -$950 -42.4%
North Dakota $1,832 -$408 -18.2%
Ohio $1,546 -$694 -31.0%
Oklahoma $2,298 $58 2.6%
Oregon $2,054 -$186 -8.3%
Pennsylvania $2,134 -$106 -4.7%
Rhode Island $2,988 $748 33.4%
South Carolina $2,028 -$212 -9.5%
South Dakota $1,888 -$352 -15.7%
Tennessee $1,960 -$280 -12.5%
Texas $2,702 $462 20.6%
Utah $1,658 -$582 -26.0%
Vermont $1,534 -$706 -31.5%
Virginia $1,342 -$898 -40.1%
Washington $1,730 -$510 -22.8%
West Virginia $2,054 -$186 -8.3%
Wisconsin $1,552 -$688 -30.7%
Wyoming $1,994 -$246 -11.0%

View Chart as Image

BMW i4 M50 insurance rates by U.S. city
BMW i4 M50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW i4 M50 $516 $990 $534 $2,258
2023 BMW i4 M50 $494 $982 $546 $2,240
2022 BMW i4 M50 $478 $958 $570 $2,224

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 Shop for the Best Cheap BMW i4 M50 Insurance

Getting lower rates on BMW i4 M50 insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a quick review of the information touched on in the above illustrations.

  • You may be able to save around $280 per year just by quoting online in advance
  • Teenage drivers pay the highest auto insurance prices, costing up to $683 a month if the policy includes full coverage
  • Increasing physical damage deductibles could save as much as $1,000 each year
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,630 more per year for auto insurance
  • Drivers who purchase higher levels of liability will pay about $600 every year to go from a low limit to a 250/500 level

Rates by Driver Age

BMW i4 M50 Insurance Rates by Driver Age
Driver Age Premium
16 $8,192
20 $5,200
30 $2,354
40 $2,240
50 $2,046
60 $2,008

Full coverage, $500 deductibles

Rates by Deductible

BMW i4 M50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,896
$250 $2,590
$500 $2,240
$1,000 $1,906

Full coverage, driver age 40

Rates by Liability Limit

BMW i4 M50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $2,240
50/100 $2,349
100/300 $2,486
250/500 $2,841
100 CSL $2,404
300 CSL $2,704
500 CSL $2,923

Full coverage, driver age 40

Rates for High Risk Drivers

BMW i4 M50 Insurance Rates for High Risk Drivers
Age Premium
16 $11,746
20 $8,282
30 $4,996
40 $4,872
50 $4,646
60 $4,604

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.

SR-22 Surcharge $319

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $121
Multi-vehicle $117
Homeowner $31
5-yr Accident Free $175
5-yr Claim Free $147
Paid in Full/EFT $110
Advance Quote $116
Online Quote $162
Total Discounts $979
Rate after discounts $1,261

Discounts are estimated and may not be available from every company or in every state.

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