BMW I4 M50 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW i4 M50 are $2,240 every 12 months with full coverage. Comprehensive insurance costs approximately $494, collision insurance costs $982, and liability is estimated at $546. Liability-only coverage costs approximately $630 a year, and high-risk coverage costs $4,872 or more. Teens pay the most at up to $8,192 a year.
Average premium for full coverage: $2,240
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all i4 M50 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a BMW i4 M50 range from the cheapest price of $630 for liability-only coverage to the much higher price of $4,872 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location and their own driving history, instead of making a decision based 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.
Additional Charts and Tables
The chart below details average BMW i4 M50 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,261
- Choosing higher $1,000 deductibles can save $334 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $2,240
- Selecting pricier low deductibles for comp and collision coverage costs an extra $656 annually
- Higher-risk drivers with serious driving violations could pay around $4,872
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost $8,192 each year
Insurance prices for a BMW i4 M50 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your i4 M50.
Choosing higher comprehensive and collision insurance deductibles can save as much as $990 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $492 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $2,100 annually on average, or $175 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $8,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $2,600 to $3,600 extra annually, depending on your age. BMW i4 M50 insurance for high-risk drivers ranges from 44% to 129% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for BMW i4 M50 insurance prices. A good driver about age 40 could pay as low as $1,610 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $3,020 on average in New York, Michigan, and Florida.
| 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% |
| 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 Cheaper BMW i4 M50 Insurance
Finding better rates on insurance for a BMW i4 M50 takes having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct companies, and also from insurance agencies where you live.
The next list is a condensed summary of the concepts that were presented in the illustrations above.
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $2,630 more per year to buy BMW i4 M50 insurance
- Drivers age 20 and younger are expensive to insure, possibly costing $683 per month if they have full coverage
- You may be able to save around $280 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $1,000 each year
- You may be able to save around $280 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,896 |
| $250 | $2,590 |
| $500 | $2,240 |
| $1,000 | $1,906 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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