BMW X4 2024 Car Insurance

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The 2024 BMW X4 is a sporty coupe-SUV combining dynamic styling with premium positioning. It appeals to drivers seeking an engaging drive and distinctive design in a versatile format, without sacrificing the brand's signature upscale comfort.

BMW X4 2024 CAR INSURANCE RATES SINCE 2023.

Between 2023 and 2026, premiums for the 2024 BMW X4 fluctuate notably, rising from $2326 to $2958 in 2025 before dropping to $2530 in 2026. This variation reflects changing repair costs and demand within this premium segment.

To find the best insurance for your BMW X4 2024 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW X4 2024

How much does insurance for your BMW X4 2024 cost in Quebec?

Premiums show a large gap by city: Montreal stands out sharply at $6645, well above Repentigny ($2245), Laval ($1569), and Trois-Rivières ($1307), which is the most affordable of the four provided cities.

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
LAVAL	$1569.23
MONTRÉAL	$6644.52
REPENTIGNY	$2245.42
TROIS-RIVIÈRES	$1306.69

Frequently asked questions (FAQ)

How much does insurance cost for a 2024 BMW X4?

The average premium for a 2024 BMW X4 varies by year, ranging from $2326 in 2023 to $2958 in 2025, then $2530 in 2026, based on 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 BMW X4 premium fluctuate so much between 2023 and 2026?

Premiums for this premium SUV climbed to $2958 in 2025 before dropping to $2530 in 2026, a variation likely tied to parts costs and shifting risk assessment for the model.

Why is the premium so much higher in Montreal than in Trois-Rivières?

In Montreal, the average premium reaches $6645, compared to just $1307 in Trois-Rivières. This gap is generally explained by urban density, traffic, and higher claim frequency in metropolitan areas.

What factors influence a BMW X4's insurance premium?

The vehicle's premium classification, high parts costs, engine power, and replacement value all contribute to premiums above the average for mainstream SUVs.

AUDI
Q5

MERCEDES
GLC
COUPE

PORSCHE
MACAN

LEXUS
NX

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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