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BMW X4 Car Insurance

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The BMW X4 is a coupe-style SUV that blends sporty styling with the refinement typical of the Bavarian brand. Positioned in the premium segment, it appeals to drivers seeking dynamic handling without giving up the space and comfort of a utility vehicle.

BMW X4 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2024, premiums for the BMW X4 rise sharply, moving from $1607 to $2406, before easing slightly to $2349 in 2025 and $2253 in 2026. This recent decline suggests a stabilization after several years of marked increases.

To find the best insurance for your BMW X4 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW X4 cost in Quebec?

Premiums are highest in Montreal ($3563) and Brossard ($3456), while Gatineau ($913) and Longueuil ($1201) post the lowest amounts. The gap between these cities exceeds $2500, revealing strong geographic variation for this model.

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
BROSSARD $3456.39
GATINEAU $913.42
LAVAL $2284.35
LÉVIS $1592.85
LONGUEUIL $1200.55
MONTRÉAL $3561.55
QUÉBEC $1764.90
REPENTIGNY $2245.42
SHERBROOKE $2532.07
TERREBONNE $1902.25
TROIS-RIVIÈRES $1593.47

Frequently asked questions (FAQ)

How much does insurance cost for a BMW X4?
The average premium for a BMW X4 varies by year, reaching $2406 in 2024 before easing to $2253 in 2026, based on the available data.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why did the X4 premium rise so much between 2021 and 2024?
The premium climbed from $1607 to $2406 over this period, driven by the vehicle's high value, premium parts costs, and frequent specialized repairs.
Which city offers the lowest insurance cost for a BMW X4?
Based on the data provided, Gatineau ($913) and Longueuil ($1201) post the lowest average premiums for this model.
Why are premiums so high in Montreal and Brossard?
Montreal ($3563) and Brossard ($3456) show notably higher premiums, likely due to greater traffic density and higher claim frequency in these urban areas.
Will X4 premiums keep declining?
The data shows a slight decrease from $2406 in 2024 to $2253 in 2026, but it's too early to confirm a lasting downward trend.
How can I lower my premium for a BMW X4?
Comparing quotes from several insurers and factoring in city-based differences, which exceed $2500 between some cities, can meaningfully reduce the cost.

Offers received by our customers on BMW X4 cars

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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