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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Estimated auto insurance rates for a BMW i4 M50 are $2,224 annually including full coverage. Comprehensive costs an estimated $478 a year, collision costs $958, and liability costs around $570. Liability-only coverage costs as low as $650 a year, with high-risk coverage costing around $4,840. Teens pay the most at $8,186 a year or more.
Average premium for full coverage: $2,224
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and i4 M50 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a BMW i4 M50 go from as cheap as $650 for your basic liability-only policy to a high of $4,840 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These rate differences highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of using 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.
More Rate Information
The chart below breaks down estimated BMW i4 M50 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,254
- Using higher $1,000 deductibles will save approximately $1,900 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $2,224
- Selecting low $100 deductibles for physical damage coverage will cost $2,860
- Drivers with serious driving violations could pay up to $4,840 or more
- An auto insurance policy with full coverage for a teen driver can cost as much as $8,186 or more
Insurance prices for a BMW i4 M50 also have a wide range based on the model of your i4 M50, your driving characteristics, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $2,000 a year, or $167 per month, for full coverage. Prices are much higher for drivers in their teens, 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 a few violations or you caused a few accidents, you are likely paying $2,600 to $3,600 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $960 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $513 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on BMW i4 M50 insurance prices. A driver around age 40 might see prices as low as $1,700 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially different between companies.
| 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 Right BMW i4 M50 Insurance
Finding better rates on car insurance requires avoiding accidents and claims, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Set aside time to compare rates every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The points below are a quick rundown of the coverage data covered above.
- You may be able to save approximately $280 per year simply by quoting early and online
- Increasing policy deductibles could save up to $950 each year
- Drivers under the age of 20 are charged the highest prices, with the cost nearing $682 per month including comprehensive and collision insurance
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $2,620 more annually to insure a BMW i4 M50
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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