BMW I4 M50 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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The average insurance prices for a BMW i4 M50 are $2,240 every 12 months with full coverage. Comprehensive costs around $494 a year, collision costs $982, and liability insurance is estimated at $546. Liability-only insurance costs approximately $630 a year, with high-risk driver insurance costing around $4,872. Teens cost the most to insure at $8,192 a year or more.

Average premium for full coverage: $2,240

Policy rates for type of insurance:

Comprehensive $494
Collision $982
Liability $546

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and i4 M50 trim levels.

Price Range Variability

For a driver around age 40, BMW i4 M50 insurance rates go from the cheapest price of $630 for just liability coverage to a high of $4,872 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

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

The examples above demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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 details estimated BMW i4 M50 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,261
  • Choosing higher $1,000 deductibles can save about $1,906 annually
  • The average price for a good driver age 40 using $500 deductibles is $2,240
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $2,896
  • High-risk insureds with serious driving violations could pay at least $4,872 or more
  • Policy cost to insure a teen driver can be $8,192 each year

View Chart as Image

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

Auto insurance rates for a BMW i4 M50 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $990 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $492 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $2,100 annually on average, or $175 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $8,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $2,600 to $3,600 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for BMW i4 M50 insurance rates. A good driver about age 40 could pay as low as $1,610 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $3,020 on average in Florida, Michigan, and New York.

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

Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates will be varied.

BMW i4 M50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW i4 M50 $540 $1,030 $510 $2,298
2023 BMW i4 M50 $516 $990 $534 $2,258
2022 BMW i4 M50 $494 $982 $546 $2,240

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 Affordable BMW i4 M50 Insurance

Finding cheaper rates on BMW i4 M50 insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct companies, and also from several local insurance agents.

Below is a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions pay on average $2,630 more every year for auto insurance
  • You may be able to save up to $280 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $1,000 each year
  • Drivers who may need higher levels of liability will pay approximately $600 every year to raise limits from a 30/60 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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