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      02-24-2020, 07:03 AM   #1
BimmerTom94
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Talking Insurance on the M4 Competition

Hey Guys,

After chatting to some fellow M4 owners I noticed that the insurance for the car differs massively!

I am curious to what you pay for your M4 cars?

I made a video on the topic covering my 2019 M4 competition if anyone wants to check that out?
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      02-24-2020, 09:43 AM   #2
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There are a million factors that play into insurance premiums. I pay around $70 a month with Liberty Mutual for my m3 (844 credit score, 0 tickets or accidents) 38 years old. Northwest Chicagoland.
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      02-24-2020, 10:06 AM   #3
kerkiraios00
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Wow I pay about $220/mo I'm 36 years old and live in Queens NY and have a clean driving record.. My total monthly payment is $336 I also have a 17 Jeep GC
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11 E90 M3 JEREZ BLK METALLIC ZCP SOLD
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      02-24-2020, 10:13 AM   #4
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I have 3bmws 2018 m3 zcp,2018 x3,and 2010 e90 335i and it works out to be 170 a month for all 3 full coverage. Geico has been the best there rates go down every year instead of up like other.
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      02-24-2020, 10:50 AM   #5
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340/month, 27 years old, hope it can drop next year
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      02-24-2020, 11:17 AM   #6
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Just to help gauge things,
I'm 34, clean record, Cannuckland

2018 M4 Base Honda Civic model, new lease ~1200 CAD / year tax in
-2M Liability and Low deductibles 250 Vandalism /500 Collison
+
2007 E83 X3 ~700 CAD / year tax in
same as above full insurance.
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      02-24-2020, 12:11 PM   #7
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23 years old, I pay $260ish/Month. Located in NY.

1 Accident on record, which will drop in July making my payments closer to $200.
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      02-24-2020, 12:27 PM   #8
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33 years old in Delaware. Paying $56/month.

I think I'll stop my bitching about $50 price hike for next 6 months coverage after seeing what others pay.

Also to add..I have no tickets, no accidents, multi-car, homeowners, +800 credit score, doctorate degree (might not actually affect rate but then why would Progressive ask?), and defensive driving discounts.
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      02-24-2020, 12:37 PM   #9
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29 male, clean record/credit etc. queens NY around $150 a month.

geico. i found no other companies come close to price here... it's weird
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      02-24-2020, 09:07 PM   #10
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Quote:
Originally Posted by kerkiraios00 View Post
Wow I pay about $220/mo I'm 36 years old and live in Queens NY and have a clean driving record.. My total monthly payment is $336 I also have a 17 Jeep GC
Cities, the culprit.
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      02-24-2020, 09:08 PM   #11
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Quote:
Originally Posted by thorHAM View Post
29 male, clean record/credit etc. queens NY around $150 a month.

geico. i found no other companies come close to price here... it's weird
It is weird considering you're living in a city, guess you never know.
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      02-24-2020, 09:33 PM   #12
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Quote:
Originally Posted by thorHAM View Post
29 male, clean record/credit etc. queens NY around $150 a month.

geico. i found no other companies come close to price here... it's weird
That's so funny Bc I switched from Geico, I was with Geico for like 10 years and they started to get expensive so I looked around.. I found Allstate and Progressive to be cheaper so went with Allstate.. I was paying $450 with the same cars.. My driving record is clean no accidents nothing!!
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      02-24-2020, 09:34 PM   #13
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In case you missed this earlier thread on insurance rates. It is not specific to M4 comps but still a lot of data, and goes on for 37 pages.
https://f80.bimmerpost.com/forums/sh....php?t=1013855
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      02-24-2020, 11:15 PM   #14
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24 male w/ a clean record and I'm at ~$130/month with Progressive. however, pretty much every other company quoted at least $100 higher per month (same coverage), so not sure what I'm missing here...
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      02-25-2020, 05:17 AM   #15
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38 , perfect everything, about 110$ a month 500 deductable
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      02-25-2020, 09:11 AM   #16
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Without posting coverage limits with deductibles and year there really is no way to know what you are comparing. My coverage is 100/300/100 but I can't remember if my deductible is $500 or $1000. For a 2014 Raptor and a 2018 F82 ZCP I pay about $228/month. Great credit, 1 speeding ticket still on file (they drop after 3 years I've been told) but one claim when I backed my trailer into a buddies truck and caused about 3K in damage. Also the state you are in matters quite a bit too. I'm in Texas and I can say Louisiana is significantly more.

Last edited by BMWM3Wannabe; 02-26-2020 at 09:19 AM..
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      02-25-2020, 09:27 AM   #17
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Quote:
Originally Posted by BMWM3Wannabe View Post
Without posting coverage limits with deductibles and year there really is no way to know what you are comparing. My coverage is 100/300/100 but I can't remember if my deductible is $500 or $1000. For a 2014 Raptor and a 2018 F82 ZCP I pay about $240/month. Great credit, 1 speeding ticket still on file (they drop after 3 years I've been told) but one claim when I backed my trailer into a buddies truck and caused about 3K in damage. Also the state you are in matters quite a bit too. I'm in Texas and I can say Louisiana is significantly more.
Hello,

My excess is £500, 12,000 miles a year fully comp and its £860 roughly
My 2005 Z4 was £900 odd for the same insurance etc
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      02-25-2020, 09:28 AM   #18
BimmerTom94
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Quote:
Originally Posted by behindthen0thing View Post
38 , perfect everything, about 110$ a month 500 deductable
That is not too bad!!
Mine is same 500 deductible and £860 for the year
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      02-25-2020, 09:31 AM   #19
BimmerTom94
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Quote:
Originally Posted by agentrnge View Post
In case you missed this earlier thread on insurance rates. It is not specific to M4 comps but still a lot of data, and goes on for 37 pages.
https://f80.bimmerpost.com/forums/sh....php?t=1013855
thank you, I did miss that
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      02-25-2020, 09:31 AM   #20
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Quote:
Originally Posted by Groganrocket View Post
I have 3bmws 2018 m3 zcp,2018 x3,and 2010 e90 335i and it works out to be 170 a month for all 3 full coverage. Geico has been the best there rates go down every year instead of up like other.
That is awesome!
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      02-28-2020, 06:01 PM   #21
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163 a month for an m4 and rav4
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      02-29-2020, 07:42 AM   #22
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$91/mo, 34 years old, clean driving record never made an auto claim. Could be cheaper but I don't bother with cut rate insurance.
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