By Vehicle · BMW · 4 Series

BMW 4 Series Insurance Cost UK 2026: Groups, Premiums & Cheapest Insurers

Q: Which BMW 4 Series is cheapest to insure?

The 420i M Sport is the cheapest current 4 Series to insure, in insurance group 30 at around £1,290 a year on our composite. The 420d diesel (group 32) is next. Avoid the M Sport Pro Edition trims if you want the lowest premium — they typically add a group over the standard M Sport — and steer clear of the 430d, M440i, M440d and M4 if insurance cost is your priority, as they sit in groups 41–50.

BMW 4 Series insurance costs about £1,528 a year in 2026 — roughly 2.1× the £719 UK all-ages average, on Finder UK comprehensive-quote data. The range sits in insurance groups 30–42 (from the 420i M Sport up to the M440d), so the entry 420i runs nearer £1,290 while a 430d or M440d is closer to £1,800. The BMW M4 is a separate model in groups 42–50 and costs more again. Postcode, driver age and trim move the number more than anything else. Full premium-by-trim table, the insurance groups for every variant, the cheapest insurers and eight FAQs below.

Premiums by trim → Other vehicles

Groups 30–42

insurance group range, 4 Series

~£1,528/yr

UK average, BMW 4 Series (2026)

2.1× avg

vs the £719 all-ages premium

Direct Answer

How much is it to insure a BMW 4 Series in 2026?

Expect to pay around £1,528 a year for comprehensive cover on a BMW 4 Series in 2026, on Finder UK’s quote data — about 2.1× the £719 all-ages average from the Confused.com Price Index (Q2 2026) and well above what a typical hatchback costs. Three structural reasons put it there. First, the group: every mainstream 4 Series sits in insurance group 30 or higher on the Thatcham/ABI 1–50 scale, and groups rise with power, so a 420i (group 30) is a different risk to an M440d (group 42). Second, repair economics — the 4 Series is an aluminium-and-composite premium coupe stuffed with driver-assistance sensors and adaptive LED lighting, so even a modest front-end knock is an expensive, calibration-heavy repair. Third, it is a desirable, keyless, rear-wheel-drive BMW, which pushes up the theft and claims weighting insurers apply. Trim and engine are the biggest lever you control: the spread from the cheapest 420i to a diesel M440d is over £500 a year before you factor in postcode or age. Here is how the typical premium breaks down by variant.

BMW 4 Series insurance cost by trim — UK 2026

The entry 420i M Sport runs about £1,290 a year; the range-topping M4 Competition is nearer £2,180 — a 69% spread across the model line.

Source: Finder UK 2026 (BMW 4 Series average £1,528); Parkers insurance groups; Confused.com Price Index Q2 2026 (£719 all-ages). Per-trim figures are a Car Insurance Expert composite: the £1,528 4 Series average scaled by each variant’s published insurance group.

Trim / engine	Insurance group (1–50)	Typical annual premium	vs UK all-ages £719
420i M Sport	30	£1,290	+79%
420d M Sport	32	£1,360	+89%
430i M Sport	34	£1,470	+104%
M440i xDrive	39–40	£1,690	+135%
430d M Sport Pro	41	£1,760	+145%
M440d xDrive	42	£1,820	+153%
M4 Competition (separate model)	42–50	£2,180	+203%

Sources: Finder UK 2026 — BMW 4 Series average comprehensive premium £1,528; Parkers — per-variant insurance groups (420i M Sport group 30, 420d 32, 430i 34, 430d 41, M440i 39–40, M440d 42); Confused.com Price Index Q2 2026 — £719 all-ages average. Premiums are a Car Insurance Expert composite: the £1,528 4 Series average scaled by each variant’s published insurance group, comprehensive cover, typical experienced driver. Refresh: 16 November 2026.

Insurance Groups

What insurance group is a BMW 4 Series?

The current (G22) BMW 4 Series Coupe spans insurance groups 30 to 42 on the Thatcham/ABI 1–50 scale, with the Gran Coupe and older diesel variants dipping as low as group 23. Groups climb with engine output and trim: the four-cylinder petrol 420i M Sport sits at group 30, the 420d diesel at 32, the six-cylinder 430i at 34, and the performance M440i and M440d at 39–42. The badge on the boot matters — an M Sport Pro Edition typically adds one group over the standard M Sport because of the uprated brakes, wheels and cosmetic parts that cost more to replace. If you are choosing between variants purely on running cost, the 420i M Sport (group 30) is the cheapest 4 Series to insure by a clear margin.

420i M Sport — group 30 (M Sport Pro Edition: 31)
420d M Sport — group 32 (M Sport Pro Edition: 33)
430i M Sport — group 34 (M Sport Pro Edition: 35)
M440i xDrive — group 39–40
430d M Sport Pro Edition — group 41
M440d xDrive — group 42
BMW M4 / M4 Competition — group 42–50 (a separate M model — costs more to insure again)

For context on where these numbers place the car, group 42 is firmly premium-performance territory — see our full guide to car insurance group 42 cars and cost.

Cheapest Insurers

The cheapest insurers for a BMW 4 Series in 2026

No single insurer is cheapest for every driver — a 4 Series quote swings on your postcode, age and no-claims discount as much as the car. That said, for a group 30–42 premium coupe the mainstream direct insurers and the big comparison-panel brands are usually the most competitive, with specialist and performance-focused insurers worth a look for the M440i and M4. The figures below are indicative annual comprehensive ranges for an experienced driver on our 2026 composite — always run your own quote, because the “cheapest” name changes constantly.

LV= — consistently sharp on premium German saloons and coupes; typically £1,250–£1,600 for a 420i/430i.
Admiral (and Diamond, Bell) — strong on comparison panels; multi-car and MultiCover bundles help if there is a second household car.
Aviva — competitive direct and via price-comparison; good for higher-value M440i cover with named-driver flexibility.
Direct Line / Churchill — not on comparison sites, so worth a separate quote; often keen on lower-mileage 4 Series drivers.
NFU Mutual — frequently the best value for mature, rural drivers of higher-group BMWs.
Adrian Flux / specialist performance brokers — best route for the M440i and M4, modified cars, or agreed-value cover.

Whichever you pick, run the quote across at least two comparison sites and the direct-only insurers (Direct Line, NFU Mutual), then check the renewal against a fresh quote every year — loyalty rarely pays on a car in these groups. Compare the 4 Series with its closest stablemate, the BMW 3 Series (~£1,372), before you commit.

How to Lower It

Six ways to cut BMW 4 Series insurance cost

Choose the 420i over a 430d or M440 — the single biggest lever. Dropping from group 42 to group 30 is worth £500+ a year before any other factor, and the 420i is still a 2.0-litre coupe that drives beautifully.
Keep it standard — declare nothing you have not fitted, but avoid aftermarket wheels, remaps or exhausts. Modifications on a group 30+ BMW can add 10–40% and must be declared or the policy is void.
Garage it and fit a Thatcham tracker — overnight off-street parking and a category-approved tracker cut the theft weighting that hits desirable keyless BMWs hardest. A faraday pouch for the key is free and blocks relay theft.
Raise the voluntary excess — moving from £250 to £500–£750 typically shaves 8–15% off, provided you could cover the total excess after a claim.
Build and protect no-claims discount — five-plus years’ NCD is worth more on a high-group car than a low one; protecting it is usually cheap relative to the premium.
Limit mileage and pay annually — a realistic (not under-stated) lower annual mileage reduces the premium, and paying in one go avoids the 20–30% APR insurers charge on monthly instalments.

Want the wider picture on what is moving premiums this year? See why car insurance is so expensive in 2026, or browse costs for other models on the by-vehicle hub — including the BMW 2 Series and BMW X3.

Common Questions

BMW 4 Series insurance: FAQs

How much does it cost to insure a BMW 4 Series?

On Finder UK’s 2026 data the BMW 4 Series averages about £1,528 a year for comprehensive cover — roughly 2.1× the £719 all-ages UK average from the Confused.com Price Index. The number varies widely by variant: a 420i M Sport (insurance group 30) is nearer £1,290, while a 430d or M440d (groups 41–42) is closer to £1,800. Your own quote then swings on postcode, age, mileage and no-claims discount, so treat the average as a benchmark rather than a fixed price.

What insurance group is a BMW 4 Series?

The current BMW 4 Series Coupe spans insurance groups 30 to 42 on the 1–50 Thatcham/ABI scale. The 420i M Sport is group 30, the 420d group 32, the 430i group 34, the M440i around 39–40, the 430d group 41 and the M440d group 42. Older Gran Coupe diesels can dip to group 23. The BMW M4 is a separate model in groups 42–50 and costs more to insure again.

Is the BMW 4 Series expensive to insure?

Yes, relative to a mainstream hatchback — at around £1,528 a year it is roughly double the £719 UK average, because every mainstream 4 Series sits in group 30 or higher. Three things drive that: high insurance groups that rise with power, expensive aluminium-and-sensor repairs on a premium coupe, and a higher theft weighting on desirable keyless rear-wheel-drive BMWs. It is not, however, in supercar territory — a standard 420i is cheaper to insure than many hot hatches with sport badges.

Which BMW 4 Series is cheapest to insure?

The 420i M Sport is the cheapest current 4 Series to insure, in insurance group 30 at around £1,290 a year on our composite. The 420d diesel (group 32) is next. Avoid the M Sport Pro Edition trims if you want the lowest premium — they typically add a group over the standard M Sport — and steer clear of the 430d, M440i, M440d and M4 if insurance cost is your priority, as they sit in groups 41–50.

Is a BMW 4 Series cheaper to insure than a 3 Series?

No — the 4 Series is usually a little dearer than the equivalent 3 Series. The 3 Series averages about £1,372 on our data versus roughly £1,528 for the 4 Series, because the coupe and convertible body styles carry slightly higher groups and repair costs than the four-door saloon on the same running gear. If you want the BMW driving experience for less, comparing an entry 320i saloon with a 420i coupe is the sensible starting point — see our BMW 3 Series insurance page.

Why is the BMW M440i and M4 so much more expensive to insure?

Power and repair cost. The M440i (around 374bhp) sits in group 39–40 and the M4 in groups 42–50, so insurers price in higher accident severity, greater theft appeal and pricier performance parts — carbon-ceramic brake options, adaptive M suspension and forged wheels all cost far more to replace. Expect the M440i to run around £1,690 and an M4 Competition around £2,180 or more on our composite, and use a specialist performance broker such as Adrian Flux for the sharpest M-car quotes.

Does declaring modifications raise BMW 4 Series insurance?

Yes. Performance modifications (remaps, exhausts, induction kits) and cosmetic ones (aftermarket wheels, lowered suspension, body kits) typically add 10–40% on a group 30+ BMW, and some insurers will decline modified cars altogether. Crucially, you must declare every modification — including ones fitted by a previous owner — or the insurer can void the policy and refuse a claim. If your 4 Series is modified, use a specialist modified-car insurer rather than a mainstream comparison site.

How can I get cheaper BMW 4 Series insurance?

Pick the lowest-group variant you are happy with (the 420i saves £500+ a year over an M440d), keep the car standard, park off-street with a Thatcham tracker and a faraday key pouch, raise the voluntary excess to a level you could afford, and build and protect your no-claims discount. Then shop around every renewal across both comparison sites and the direct-only insurers (Direct Line, NFU Mutual), and pay annually to dodge the 20–30% APR on monthly instalments.

Our sources

Finder UK (2026) — BMW 4 Series average comprehensive premium of £1,528 a year, and the group 23–50 span across the range including performance variants
Parkers — BMW 4 Series Coupe (2020 on) insurance groups — the per-variant groups: 420i M Sport 30, 420d 32, 430i 34, 430d 41, M440i 39–40, M440d 42
Confused.com Price Index (Q2 2026, powered by WTW) — the £719 all-ages average quoted premium used as the benchmark
ABI Motor Insurance Premium Tracker (Q2 2026) — £566 average premium actually paid, for context on quoted vs paid figures
Thatcham Research / ABI Group Rating Panel — the 1–50 insurance group scale that sets each variant’s rating
Car Insurance Expert composite quote data — 2026 sample scaling the £1,528 4 Series average across variants by published insurance group

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (vehicle-pricing desk). Figures are compiled from Finder UK, Parkers, ABI and Confused.com published data plus our own multi-insurer quote sampling; per-trim premiums are a composite scaled to each variant’s insurance group, not individual broker quotes.

Last updated: 16 August 2026 · Next scheduled review: 16 November 2026 · editorial@carinsuranceexpert.co.uk

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