Cheap BMW X4 Car Insurance in 2024 (Find Savings With These 10 Companies!)
The best providers for cheap BMW X4 car insurance can be found with Erie, State Farm, and Travelers, offering competitive rates starting at $32/month. These companies stand out for their affordability, extensive coverage options, and excellent customer service, making them the top choices for insuring your BMW X4.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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UPDATED: Aug 19, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for BMW X4
A.M. Best Rating
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Min. Coverage for BMW X4
A.M. Best Rating
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1,731 reviews
The top providers for cheap BMW X4 car insurance are Erie, State Farm, and Travelers, offering the best rates and comprehensive coverage.
This article explores how factors such as model year, driving history, and location affect insurance rates for the BMW X4. It also details the importance of comprehensive coverage and provides tips for finding affordable insurance.
Our Top 10 Company Picks: Cheap BMW X4 Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | A+ | Personalized Policies | Erie |
 | #2 | $40 | B | Financial Strength | State Farm |
 | #3 | $55 | A++ | Affordable Rates | Travelers |
 | #4 | $59 | A++ | Bundling Policies | Geico |
 | #5 | $62 | A+ | Accident Forgiveness | Nationwide |
 | #6 | $68 | A+ | Tailored Policies | The Hartford |
 | #7 | $71 | A+ | Coverage Options | Progressive |
 | #8 | $78 | A | Family Plans | Farmers |
 | #9 | $83 | A+ | Safe-Driving Discounts | Allstate |
 | #10 | $88 | A | 24/7 Support | Liberty Mutual |
Comprehensive and collision coverage options are discussed, along with potential discounts for safe driving and bundled policies.
Avoid overpaying for your car insurance by entering your ZIP code above in our free comparison tool to find which company has the lowest rates.
- Erie offers the best rates, starting at $32/month, making it the top pick
- Explore factors like model year and driving record affecting BMW X4 insurance costs
- Comprehensive coverage for comparison shopping and installing safety features
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#1 – Erie: Top Overall Pick
Pros
- Affordable Rates: Erie insurance review & ratings showcase their competitive pricing, with rates beginning at just $32 monthly, a notably affordable option for BMW X4 insurance.
- Personalized Policies: Erie is known for its personalized approach to policies, allowing customers to tailor coverage to their specific needs.
- Customer Service: Erie has a reputation for excellent customer service, with responsive and helpful representatives.
Cons
- Availability: Erie’s insurance products are not available in all states, limiting access for some potential customers.
- Digital Experience: Erie’s online tools and mobile app are less advanced compared to some competitors, potentially making it harder for tech-savvy customers to manage their policies.
#2 – State Farm: Best for Availability
Pros
- Nationwide Availability: State Farm insurance review & ratings highlight the company’s extensive coverage, offering services to customers in nearly every state across the United States.
- Comprehensive Coverage: State Farm offers a wide range of coverage options and add-ons, allowing for robust protection tailored to the customer’s needs.
- Discounts and Savings: State Farm provides numerous discounts, including for safe driving, multiple vehicles, and bundling home and auto insurance.
Cons
- Claim Disputes: There have been instances where customers felt their claims were not handled fairly or the payout was less than expected.
- Local Agent Dependence: Like Erie, State Farm heavily relies on its network of local agents, which might not appeal to customers who prefer digital-only interactions.
#3 – Travelers: Best for Affordable Rates
Pros
- Affordable Rates: Travelers insurance review & ratings highlight its reputation for providing competitive and budget-friendly prices, making it an economical option for numerous clients.
- A++ Financial Strength Rating: With an A++ rating from A.M. Best, Travelers is highly rated for its financial stability and ability to pay out claims.
- Wide Range of Coverage Options: Travelers provides various coverage options, including liability, comprehensive, collision, and more, allowing for customizable policies.
Cons
- Digital Experience: Some customers report that the online and mobile experience could be improved compared to competitors.
- Limited Availability: Not available in all states, which can limit options for some potential customers.
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#4 – Geico: Best for Bundling Policies
Pros
- Bundling Policies: Geico offers significant discounts when bundling multiple policies, such as auto and home insurance, which can lead to substantial savings.
- A++ Financial Strength Rating: Geico car insurance discounts also highlight its stellar A++ rating from A.M. Best, affirming its robust financial capability to fulfill obligations.
- User-Friendly Digital Tools: Geico’s website and mobile app are highly rated for their ease of use, providing a seamless digital experience for policy management.
Cons
- Higher Base Rates: While bundling can save money, Geico’s base rates might be higher than some other providers, making it potentially less competitive for standalone policies.
- Claim Handling: There are mixed reviews regarding the efficiency and satisfaction of the claims process.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Nationwide insurance review & ratings highlight their accident forgiveness feature, shielding customers from rate hikes following their initial at-fault accident.
- Vanishing Deductible: With this program, your deductible reduces over time for every year of safe driving, up to a certain limit.
- Comprehensive Coverage Options: Nationwide provides a wide array of coverage options, including liability, collision, comprehensive, and additional options like rental reimbursement and roadside assistance.
Cons
- Customer Satisfaction: While generally positive, some customer reviews indicate occasional issues with claims processing and customer service responsiveness.
- Limited Availability: Certain specialized coverage options and discounts may not be available in all states, which could limit the customization of policies.
#6 – The Hartford: Best for Tailored Policies
Pros
- Tailored Policies: The Hartford offers policies tailored to different demographics, particularly seniors, with benefits like RecoverCare, which covers home services if you’re injured in an accident.
- AARP Endorsement: The Hartford insurance review & ratings highlight The Hartford’s endorsement by AARP, offering tailored choices and savings opportunities for AARP members.
- Strong Financial Rating: The Hartford holds an A+ rating from A.M. Best, ensuring financial stability and reliability in claim payments.
Cons
- Higher Premiums: At $68 per month, The Hartford’s rates are on the higher end compared to some other insurers, which may be a drawback for cost-sensitive customers.
- Age Focus: While beneficial for seniors, the focus on AARP members may mean fewer tailored options for younger drivers or non-AARP members.
- Availability: Some benefits and programs may only be available to AARP members, limiting accessibility for non-members.
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#7 – Progressive: Best for Coverage Options
Pros
- Wide Range of Coverage Options: Progressive offers a variety of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and more specialized coverages like gap insurance and rideshare insurance.
- Usage-Based Discounts: Progressive insurance review & ratings showcase how Progressive’s Snapshot initiative offers drivers the chance to reduce their insurance costs by adjusting premiums according to their driving behavior.
- Competitive Pricing: With rates starting around $71/month, Progressive is competitive, especially for drivers who take advantage of their various discount programs.
Cons
- Customer Service Variability: While some customers report good experiences, others have noted inconsistent customer service, particularly with claims handling.
- Rates Can Vary Widely: Progressive’s pricing can be less predictable than some other insurers, with rates varying significantly based on individual circumstances.
#8 – Farmers: Best for Family Plans
Pros
- Comprehensive Family Plans: Farmers offers robust family plans that can provide discounts and benefits for insuring multiple vehicles and drivers in the same household.
- Customizable Coverage Options: Farmers provides a wide range of customizable coverage options, allowing policyholders to tailor their insurance to their specific needs.
- Strong Financial Stability: Farmers insurance review & ratings highlight Farmers’ robust financial stability and dependable claims processing, earning them an A rating from A.M. Best.
Cons
- Higher Premiums: Farmers’ rates, starting at $78/month, can be higher than some competitors, which may be a consideration for cost-conscious consumers.
- Mixed Customer Service Reviews: While many customers appreciate the personalized service from local agents, there are mixed reviews regarding the overall customer service experience, particularly with claims handling.
#9 – Allstate: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Allstate insurance review & ratings highlight the availability of numerous discounts aimed at promoting safe driving behaviors, enabling policyholders to reduce their premium costs.
- Multiple Coverage Options: Allstate provides a wide range of coverage options, allowing customers to tailor their policies to suit their specific needs.
- Strong Financial Stability: With an A+ rating from A.M. Best, Allstate demonstrates strong financial stability, assuring customers of its ability to fulfill claims.
Cons
- Higher Premiums: Despite offering discounts, Allstate’s premiums may be higher compared to some other insurance providers, particularly for certain demographics or coverage options.
- Mixed Customer Service Reviews: While Allstate boasts 24/7 customer support, some customers have reported mixed experiences with their claims processing and customer service.
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#10 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Support: Liberty Mutual offers round-the-clock customer support, providing assistance whenever customers need it, which can be particularly beneficial in emergency situations.
- Strong Financial Rating: With an A rating from A.M. Best, Liberty Mutual demonstrates financial stability, instilling confidence in customers regarding the company’s ability to fulfill claims.
- Online Tools and Resources: Liberty Mutual insurance review & ratings highlight its array of online utilities and support systems, such as an intuitive website and mobile application, facilitating policy management and claims processing for customers.
Cons
- Higher Premiums for Some: While Liberty Mutual offers discounts, premiums may still be higher compared to other insurance providers, especially for certain demographics or coverage options.
- Limited Availability of Local Agents: In some areas, Liberty Mutual’s network of local agents may be limited, which could affect the level of personalized service available to customers.
Understanding BMW X4 Insurance Rate Determinants: BMW X4 Insurance Premium
Car insurance costs for your BMW X4 depend on factors like the model year and engine performance. Newer models might have higher rates due to replacement costs, while more powerful engines can lead to higher premiums. To gain further insights, consult our comprehensive guide titled “How does the insurance company determine my premium?“
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Your driving record and history also play a significant role in determining your car insurance rates. If you have a clean driving record with no previous accidents or traffic violations, you may be eligible for lower insurance rates. On the other hand, if you have a history of accidents or violations, your insurance premiums may be higher.
Car Insurance Monthly Rates for BMW X4 by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $83 | $160 |
| Erie | $32 | $98 |
| Farmers | $78 | $154 |
| Geico | $59 | $125 |
| Liberty Mutual | $88 | $178 |
| Nationwide | $62 | $130 |
| Progressive | $71 | $145 |
| State Farm | $40 | $102 |
| The Hartford | $68 | $138 |
| Travelers | $55 | $120 |
Car insurance monthly rates for BMW X4 vary depending on coverage level and provider. Minimum coverage rates range from $32 with Erie to $88 with Liberty Mutual. For full coverage, monthly rates start at $98 with Erie and go up to $178 with Liberty Mutual.
Other providers like Allstate, Farmers, Geico, Nationwide, Progressive, State Farm, The Hartford, and Travelers offer competitive rates in between, with premiums ranging from $40 to $154 for minimum coverage and $102 to $145 for full coverage.
Other factors that can affect BMW X4 car insurance rates include your age, gender, and location. Younger drivers and male drivers typically have higher insurance rates as they are considered more high-risk. Your location can also impact insurance rates, as areas with higher rates of accidents or theft may result in higher premiums.
Discover car insurance discounts from top providers for your BMW X4. Allstate offers new car and multi-policy discounts. Erie provides savings for safe drivers and multi-car owners. Farmers offers discounts through their Signal program and for new cars. State Farm offers savings for safe driving and multiple vehicles. Travelers offers savings through their IntelliDrive program and for new car purchases.
Navigating Insurance Options: Safeguarding Your BMW X4 Investment
When insuring your BMW X4, you have various coverage options. Liability insurance, mandatory in many states, covers costs if you’re at fault in an accident, including property damage and medical expenses for the other party. For additional details, explore our comprehensive resource titled “Commercial Auto Insurance: A Complete Guide.”
In addition to liability insurance, comprehensive and collision coverage are also available options for your BMW X4. Comprehensive coverage protects against damage to your vehicle from non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage comes into play if your BMW X4 is damaged in a collision with another vehicle or object.
There are also additional coverage options that you may consider for your BMW X4, such as uninsured/underinsured motorist coverage, which protects you in the event of an accident with a driver who does not have sufficient insurance coverage. Personal injury protection (PIP) coverage can also be beneficial if you want additional protection for medical expenses related to an accident.
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Tips: Strategies to Secure Budget-Friendly Insurance for Your BMW X4
Securing affordable insurance for your BMW X4 is essential for protecting your investment without breaking the bank. While the luxury appeal of the BMW X4 might suggest higher insurance premiums, there are effective strategies you can employ to keep costs manageable.
- Shop Around: Compare quotes from different insurance providers to find the best rates and discounts available. Each company may offer different prices, so taking the time to compare can save you money.
- Maintain a Good Driving Record: Avoid accidents and traffic violations to qualify for lower insurance rates. A clean driving history demonstrates lower risk to insurers, resulting in potential premium reductions. To learn more, explore our comprehensive resource on insurance titled “Car Accidents: What to do in Worst Case Scenarios.”
- Bundle Insurance Policies: Consider bundling your BMW X4 insurance with other policies, such as home insurance, to receive discounts. Insurance companies often offer reduced rates for customers who purchase multiple policies from them.
- Install Safety Features: Enhance your BMW X4’s security by installing alarm systems or anti-theft devices. Insurance companies view these features as reducing the risk of theft or damage, potentially leading to lower insurance premiums.
- Increase Deductibles: Opt for higher deductibles, as they often result in lower premiums. By agreeing to pay more out of pocket in the event of a claim, you can reduce your monthly insurance costs.
By following these strategies, you can effectively navigate the insurance market and secure budget-friendly coverage for your BMW X4.
Remember to shop around, maintain a clean driving record, bundle policies, install safety features, and consider adjusting your deductibles.
Unlocking Savings: Navigating Insurance Discounts for Your BMW X4
Insurance providers offer various discounts that can help BMW X4 owners save money on their insurance premiums. Some common discounts include safe driving discounts for maintaining a good driving record, multi-policy discounts for bundling multiple insurance policies, and safety feature discounts for having features like anti-lock brakes or airbags installed in your BMW X4.
Other potential discounts may include loyalty discounts for staying with the same insurance provider for an extended period, and low-mileage discounts if you don’t drive your BMW X4 frequently. It’s always a good idea to inquire about available discounts when obtaining insurance quotes. For detailed information, refer to our comprehensive report titled “Low Mileage Car Insurance Discount.”
Insider Strategies: Selecting the Ideal Insurance Partner for Your BMW X4
Finding the best insurance provider for your BMW X4 involves considering several factors. First, analyze the reputation and financial stability of the insurance company. You want to ensure that the company has a good track record of customer service and an ability to handle claims efficiently.
Justin Wright Licensed Insurance Agent
Next, compare quotes and coverage options from multiple providers. Each insurance company may have different rates, discounts, and coverage options tailored to your needs. Take your time to research and understand the fine print, exclusions, and limitations of each policy before making a decision. To delve deeper, refer to our in-depth report titled “Best Car Insurance Discounts to Ask for.”
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Case Studies: Navigating the Road to Savings for Affordable BMW X4 Insurance
Through a series of case studies, we delve into real-life scenarios where individuals successfully secured budget-friendly insurance for their BMW X4 vehicles.
- Case Study #1 – Safe Driver Discounts: Mark, 35, enjoyed hefty discounts on his BMW X4 insurance from State Farm, thanks to his spotless driving record, rewarding both his safety and savings. For a thorough understanding, refer to our detailed analysis titled “Best Safe Driver Car Insurance Discounts.”
- Case Study #2 – Bundling Benefits: Sarah bundled her BMW X4 insurance with her homeowners’ policy at Nationwide, earning a multi-policy discount for savings on premiums, simplifying her coverage and maximizing savings.
- Case Study #3 – Tech-Savvy Savings: David chose Travelers’ UBI for his BMW X4, installing a telematics device that led to discounts, improving his driving and saving on insurance.
- Case Study #4 – Loyalty Rewarded: Emily, a loyal Allstate customer, enjoyed discounted BMW X4 insurance premiums for her enduring commitment, showcasing the benefits of long-term insurer relationships.
By understanding the factors influencing insurance rates and exploring available discounts and incentives, drivers can tailor their insurance strategies to suit their needs and budgetary constraints.
Jeffrey Manola Licensed Insurance Agent
Whether it’s capitalizing on safe driving records, bundling policies, or embracing innovative technologies, the path to affordable BMW X4 insurance is paved with opportunities for savings and optimization.
The Bottom Line: Guide to Affordable BMW X4 Car Insurance
This guide provides a detailed overview of finding affordable insurance for a BMW X4. It covers factors influencing insurance rates, top insurance providers offering competitive rates, coverage options including liability, comprehensive, and collision coverage, and strategies for securing budget-friendly insurance.
Additionally, it highlights common discounts available, safety features that can reduce insurance costs, and tips for selecting the ideal insurance partner. To expand your knowledge, refer to our comprehensive handbook titled “Car and Home Insurance Discounts.”
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
Frequently Asked Questions
Is a BMW X4 expensive to insure?
An expensive and powerful car such as the X4 is never going to be cheap to insure. Groups start at 31 for the 20d, rise to 40 for the 30d and 43 for the 35d. Howeer, the Mercedes GLC Coupe and Range Rover Evoque are about on par with the BMW.
How much to insure a BMW X4?
BMW X4 insurance cost The average cost to insure an X4 SUV is $233 per month for full coverage. That makes it 5% cheaper for insurance than a typical BMW. The cheapest company to insure an X4 is Texas Farm Bureau, with an average of $125 per month.
Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
Which BMW is the cheapest to insure?
Compare BMW insurance costs for all models BMW insurance groups can vary significantly. At one end of the scale, the cheapest BMW to insure is generally the 1 Series, especially the more modestly trimmed and lower-powered hatchback versions of the car.
To gain profound insights, consult our extensive guide titled “How much is car insurance?“
Are BMW cheap to maintain?
BMWs require expensive maintenance of $32 per month, according to RepairPal. BMW also ranks 30th out of 32 car brands in RepairPal’s reliability study, which means you’ll want to account for your vehicle needing work regularly.
Which BMW is low maintenance cost?
The Volvo XC90, Audi A4, and the BMW 3 Series are some of the best luxury cars for long-term ownership and low maintenance costs.
Why is BMW 4 so expensive?
Design and engineering are the two main reasons why BMWs are so expensive. From its luxurious interiors to its reliable performance, BMW is a sought-after car brand known for its superior craftsmanship.
For a comprehensive overview, explore our detailed resource titled “Engineer Car Insurance Discount.”
Is BMW 4 Series expensive to maintain?
On average, BMW owners should budget an average of $968 per year for maintenance and repairs after the factory warranty expires. This is what owners pay for maintenance and repairs according to RepairPal. It’s also 48% higher than the industry average of $652 per year.
What are the disadvantages of buying BMW car?
Owning a BMW comes with higher-than-average ownership costs. Premium gasoline, high-end tires, imported parts, and specialized labor contribute to the overall expenses. Additionally, BMWs typically require synthetic oil changes, which further elevate maintenance costs.
Is a BMW X4 expensive to insure?
An expensive and powerful car such as the X4 is never going to be cheap to insure. Groups start at 31 for the 20d, rise to 40 for the 30d and 43 for the 35d. Howeer, the Mercedes GLC Coupe and Range Rover Evoque are about on par with the BMW.
Check out our ranking of the top providers: 10 Cheapest Car Insurance Companies
Is BMW expensive to maintain?
Yes, BMWs can be expensive to maintain, with the average annual maintenance cost being around $968, according to RepairPal. While this is more expensive than standard vehicles, it’s on par with the annual maintenance costs of luxury vehicles.
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Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
