BMW M4 Car Insurance

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The BMW M4 is a high-performance sports coupe combining cutting-edge technology with intense driving sensations. Positioned in the premium segment, it attracts enthusiasts seeking power, prestige, and refinement in one vehicle.

BMW M4 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW M4 rise sharply, moving from $1146 to $3537 in 2025, before easing slightly to $3317 in 2026. This progression reflects the vehicle's high value and rising repair costs within this luxury sports segment.

To find the best insurance for your BMW M4 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW M4

How much does insurance for your BMW M4 cost in Quebec?

Premiums are highest in Montreal ($5660) and Terrebonne ($5174), well above the other cities analyzed. Gatineau ($2195) and Laval ($2864) show the lowest amounts, while Sherbrooke ($2955) and Repentigny ($2885) fall into a mid-range bracket.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
GATINEAU	$2194.88
LAVAL	$2864.41
MONTRÉAL	$5660.34
REPENTIGNY	$2885.23
SHERBROOKE	$2954.99
TERREBONNE	$5174.23

Frequently asked questions (FAQ)

How much does insurance cost for a BMW M4?

The average premium for a BMW M4 reached $3537 in 2025 and $3317 in 2026, based on available data. This high amount reflects the M4's status as a high-performance sports vehicle.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Why did the BMW M4 premium rise so much between 2021 and 2025?

The premium climbed from $1146 in 2021 to $3537 in 2025, a sharp increase tied to the vehicle's high value, engine power, and rising costs for specialized parts.

Which city has the highest insurance cost for a BMW M4?

Based on the data provided, Montreal ($5660) and Terrebonne ($5174) show the highest premiums, well above Gatineau ($2195), the most affordable city analyzed.

Has the M4 premium recently decreased?

Yes, slightly. After reaching $3537 in 2025, the average premium drops to $3317 in 2026, which may signal a stabilization after several years of steady increases.

What factors influence the premium for a BMW M4?

Engine power, high replacement value, specialized parts costs, and driver profile strongly affect the premium, which also varies significantly depending on the city of residence.

AUDI
RS5

MERCEDES-AMG
C63

LEXUS
RC
F

CADILLAC
CT4-V

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/08/2026

Model version by year

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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