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BMW i4 Insurance Cost UK 2026

A BMW i4 costs around £1,430 a year to insure in the UK in 2026 — roughly double the £719 all-ages average — because it spans insurance groups 34 to 45, carries a £50,000–£70,000+ price tag and is a battery-and-software-heavy EV that is costly to repair. Finder UK’s 2026 data puts the model average at £1,430, but the spread is huge: an experienced driver in their 50s on an eDrive40 can pay under £1,100, while a young or city driver, or anyone in an M50 or M60, can pay £2,000–£2,600+. The good news — the electric premium gap has fallen to about 10–15% over petrol, down from 25% in 2024. Full breakdown by driver age, insurance group by trim, why EVs cost more to fix and six ways to cut the price below.

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Typical BMW I4 insurance costs

Independent research from our UK cost index — sourced from ABI and Confused.com published data.

Groups 34–45
BMW i4 insurance group range
~£1,430/yr
UK average to insure an i4 (2026)
≈2× avg
vs the £719 all-ages premium
Direct Answer

How much does it cost to insure a BMW i4 in 2026?

A BMW i4 costs about £1,430 a year to insure in the UK in 2026 on Finder UK’s 2026 data — nearly double the £719 all-ages average from the Confused.com Price Index. It is not a cheap car to cover: the i4 spans insurance groups 34 to 45 out of 50, so even the entry eDrive35 sits in the top third of the scale, and the M50 and M60 performance versions are near the ceiling. Three things push the number up — a high list price (£50,000–£70,000+ new), the cost and complexity of repairing a heavy, battery-and-software-rich EV, and, on the M variants, 0–60 mph times under four seconds. The one thing in your favour is that the electric premium gap has narrowed to about 10–15% over an equivalent petrol car in 2026, down from 25% at the 2024 peak, as insurers gather real battery-repair and theft data. See our electric car insurance cost guide for the wider EV picture. Here is how a typical i4 premium moves with driver age:

BMW i4 insurance cost by driver age — UK 2026
A 17–20-year-old pays around £4,250 to insure an i4 eDrive40 — roughly 4× what a driver in their 50s pays.
UK avg £719 17–20£4,250 21–24£2,760 25–29£1,870 30–39£1,430 40–49£1,210 50–59£1,090 60–69£1,040 70+£1,180

Source: Car Insurance Expert composite — the £1,430 BMW i4 UK average (Finder UK, 2026) scaled across driver-age relativities from the Confused.com Price Index, comprehensive cover, i4 eDrive40 (insurance group 38).

Driver age bandComposite i4 premiumUK all-ages averagei4 vs all-ages
17–20£4,250£719+491%
21–24£2,760£719+284%
25–29£1,870£719+160%
30–39£1,430£719+99%
40–49£1,210£719+68%
50–59£1,090£719+52%
60–69£1,040£719+45%
70+£1,180£719+64%

Sources: Finder UK (2026) — BMW i4 average annual comprehensive premium £1,430; Confused.com Price Index 2026 — £719 all-ages UK average. The age column is a Car Insurance Expert composite: the £1,430 i4 average scaled by published driver-age relativities, comprehensive cover, i4 eDrive40 (insurance group 38). Individual quotes vary widely by postcode, mileage and no-claims discount.

By Trim

BMW i4 insurance groups and prices by trim (2026)

Insurance group is the clearest predictor of what an i4 will cost to cover, and the range is wide: from group 34 for the entry eDrive35 to group 45 for the M60. The two rear-wheel-drive eDrive models are the value picks; the all-wheel-drive M50 and M60 add power, weight and repair complexity, which is why they jump several groups. The representative quotes below are Finder UK’s 2026 age-30 samples across low, mid and high-cost postcodes — useful for ranking the trims against each other, though your own quote will depend heavily on where you live and your no-claims history.

BMW i4 variantPowerInsurance groupRepresentative quote (age 30)
eDrive35 M Sport210 kW34£891
eDrive40250 kW38£1,028
M50350 kW43£1,044
M50400 kW44£1,624
M60440 kW45£1,299

Source: Finder UK (2026) — BMW i4 insurance groups by variant and representative age-30 comprehensive quotes across low, mid and high-cost postcodes. Quotes move sharply with postcode and driver profile, so treat these as a ranking rather than a price promise.

EV Repair Economics

Why the BMW i4 sits in insurance groups 34–45

The i4 is a large, fast, expensive electric saloon, and every one of those words adds to the premium. New prices run from around £50,000 for an eDrive35 to more than £70,000 for an M60, so a total-loss claim is costly before repairs even enter the picture. Repairs themselves are dearer on an EV: the ABI reports electric cars cost about 25% more to fix and take roughly 14% longer than petrol equivalents, because damaged battery packs are expensive, high-voltage work needs specially trained technicians, and any repair touching a camera or radar triggers a mandatory ADAS recalibration. A windscreen replacement on a car with driver-assistance sensors can cost over £800 — around three times a conventional screen — purely because of that calibration step.

On top of that, the i4 carries the full suite of BMW driver-assistance hardware and, on the M50 and M60, genuine performance: 0–60 mph in under four seconds. Insurers price both the crash risk of that pace and the cost of the sensors that get damaged in a shunt. The one thing working in your favour is that the electric-versus-petrol gap has shrunk — EVs now cost only about 10–15% more to insure than a comparable combustion car, against 25% at the 2024 peak, and the average EV premium is around £650. The i4 is above that EV average because of what it is, not because it plugs in.

Cheaper Cover

How to get cheaper BMW i4 insurance in 2026

The single biggest lever is trim choice: an eDrive35 (group 34) or eDrive40 (group 38) can cost hundreds less a year than an M50 or M60. Beyond that, the standard tactics all apply — and they stack:

  1. Compare EV-friendly insurers. LV=, Direct Line, Aviva, Admiral and NFU Mutual all quote competitively on the i4; check a comparison site and the direct-only insurers separately, as they rarely appear together.
  2. Use a specialist for M cars. For the M50 and M60, or any modified or high-mileage i4, a performance-EV broker such as Keith Michaels can undercut mainstream quotes and offer agreed value.
  3. Garage it. Off-street or garaged overnight parking cuts theft and damage risk — keyless-entry theft is a real factor on premium BMWs, so a Faraday pouch and a garage both help.
  4. Raise the voluntary excess — sensibly. Moving from £250 to £500 typically trims 5–10%, but only commit to an excess you could actually pay after a claim.
  5. Pay annually. Monthly instalments carry credit interest, often 20%+ APR — paying the year up front is the easiest saving on a £1,400 policy.
  6. Time the renewal. Quotes are typically cheapest 20–26 days before your renewal date; buying on the day itself is the most expensive moment.

For context on where the i4 sits, the petrol BMW 4 Series averages about £1,528 a year and the M4 about £1,931, while small EVs such as the Renault 5 (£418) and Dacia Spring (£480) show how much of the i4’s premium is down to size, value and power rather than the electric drivetrain. Compare more models on our car insurance by vehicle hub, and see the full market picture in the UK car insurance cost index.

Common Questions

BMW i4 insurance: FAQs

The BMW i4 spans insurance groups 34 to 45 on the 1 to 50 Thatcham and ABI scale. The entry eDrive35 M Sport is group 34, the popular eDrive40 is group 38, the M50 sits in groups 43 to 44 depending on output, and the range-topping M60 is group 45. Even the cheapest i4 is in the top third of the group scale, which is the main reason its premiums run well above the £719 UK average.
About £1,430 a year on average for comprehensive cover, according to Finder UK's 2026 figures — roughly double the £719 all-ages UK average. What you actually pay swings widely: an experienced driver in their 50s on an eDrive40 might see £1,050 to £1,200, while a driver in their early 20s, or anyone in an inner-city postcode, can pay £2,500 or more. The performance M50 and M60 push the top of the range higher still.
Three structural reasons. First, high value: the i4 costs £50,000 to £70,000-plus new, so it is expensive to repair or replace. Second, EV repair economics: the ABI reports electric cars cost around 25% more to repair and take about 14% longer, because of battery packs, specialist technicians and mandatory ADAS sensor recalibration after even minor knocks. Third, performance: the M50 and M60 reach 0 to 60 mph in under four seconds, which insurers price for. High list price, complex repairs and pace together put the i4 in groups 34 to 45.
Slightly, but the gap is small in 2026. Finder UK puts the petrol and diesel 4 Series at about £1,528 a year and the electric i4 at about £1,430, so on those figures the i4 is actually a touch cheaper — while the petrol M4 is far dearer at roughly £1,931. The old assumption that an EV always costs much more to insure no longer holds: the electric premium gap has fallen to about 10 to 15% over an equivalent petrol model, down from 25% in 2024.
The eDrive40 is cheaper. It sits in insurance group 38 against the M50's group 43 to 44, and Finder UK's representative age-30 quotes put the eDrive40 near £1,028 versus £1,044 to £1,624 for the M50 depending on output and postcode. If insurance cost matters, the eDrive35 (group 34) or eDrive40 (group 38) are the sensible picks; the M50 and M60 are performance flagships and priced accordingly.
On average, only modestly now. Across the market EVs cost about 10 to 15% more to insure than an equivalent petrol car in 2026, down from a 25% gap at the 2024 peak, as insurers build up battery-repair and theft data. The average EV premium is around £650. The i4 is dearer than that average because it is a large, powerful and expensive car, not because it is electric — a small EV such as the Renault 5 or Dacia Spring can be insured from around £420 to £480 a year.
Mainstream insurers that quote confidently on EVs include LV=, Direct Line, Aviva, Admiral and NFU Mutual, and it is always worth checking a comparison site plus the direct-only insurers separately. For the high-performance M50 and M60, or for modified or high-mileage cars, a performance-EV specialist broker such as Keith Michaels can beat mainstream quotes. Always confirm the policy includes battery cover (whether owned or leased), charging-cable and wall-box cover, and out-of-warranty battery repair.
Pick a lower trim (the eDrive35 or eDrive40 rather than an M car), keep it garaged or off-street overnight, hold a clean licence and build no-claims discount, and pay annually rather than monthly to avoid credit interest. A higher voluntary excess, a realistic (not inflated) annual mileage, and adding an experienced named driver can each shave the premium. Get quotes 20 to 26 days before renewal, when premiums are typically cheapest, and compare EV-friendly insurers and a specialist broker side by side.

Our sources

  • Finder UK (2026) — BMW i4 average annual comprehensive premium of £1,430, insurance groups by variant (eDrive35 group 34, eDrive40 group 38, M50 groups 43–44, M60 group 45), representative age-30 quotes, and the BMW 4 Series (£1,528) and M4 (£1,931) comparisons. finder.com/uk
  • Confused.com Price Index 2026 (with WTW) — the £719 all-ages UK average comprehensive premium used as the benchmark. confused.com
  • Association of British Insurers (ABI) — electric cars cost about 25% more to repair and take roughly 14% longer than petrol equivalents; drivers of the mandatory ADAS recalibration cost. abi.org.uk
  • Thatcham Research / ABI Group Rating Panel — the 1–50 insurance group scale that places the i4 in groups 34–45.
  • MoneySuperMarket & Which? (2026) — the ~£650 average EV premium, the 10–15% EV-versus-petrol gap (down from 25% in 2024) and the cheapest EVs to insure (Renault 5 ~£418, Dacia Spring ~£480).
  • Car Insurance Expert composite quote sample — 2026 driver-age premium curve, rebased from the published i4 average and Confused.com age relativities across major UK insurers.

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (motor-insurance research desk). Methodology: model and trim insurance groups and headline averages are taken from Finder UK and benchmarked to the Confused.com Price Index all-ages average, with EV repair economics from the ABI; the by-age curve is a clearly-labelled composite, not a broker quote. Contact: editorial@carinsuranceexpert.co.uk.

Last updated: 18 August 2026

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