The BMW M4 Coupe is a two-door car with a 3.0 petrol engine, sold in several Competition versions. If you are costing one up, three things recur every year: road tax, insurance and the running costs only you can judge. The COE is the big one-off.
Insurance figures here are examples for one stated driver, as of 1 November 2026. They are not a quote.
Listed and quoted versions
The new-car list on 2026-10-10 shows one version: the M4 Coupe 3.0 Competition M xDrive. It is petrol, with a 2,993cc engine and 523bhp. The body type is Sports, and the car is made in Germany.
Our quote form carries four versions, all 2,993cc:
- M4 Coupe 3.0 Competition
- M4 Coupe 3.0 Competition Launch Edition
- M4 Coupe 3.0 Competition M xDrive
- M4 Coupe 3.0 CS
The price page uses the 3.0 Competition, the version most insurers quote. That is a rear-drive version, not the M xDrive on the list.
Price on the list
As listed on 2026-10-10, the Competition M xDrive was S$647,888, with COE included. That number shifts after COE rounds. When you compare offers, set them out item by item.
Category B, as with every large engine
The price page states it. With a 2,993cc engine, above 1,600cc, the M4 Coupe needs a Category B COE. That was S$131,901 in the October 2026, 2nd round. The COE page has the latest figures.
Road tax at 2,993cc
LTA's formula gives S$2,376.88 a year for a 2,993cc engine, before any age surcharge. That cost repeats for as long as you keep the car.
A car more than 10 years old pays more:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page works out other engine sizes.
Premiums from three insurers
The BMW M4 Coupe price page prices this profile:
- Car: M4 Coupe 3.0 Competition, registered 3 years ago, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
3 insurers price it, with six plans between them. The lowest premium is S$1,461.89 a year. The highest insurer's entry plan is S$5,355.76, which is S$3,893.87 more, or 266% on top. All include 9% GST.
How the six plans break down:
- Two plans from one insurer: S$1,461.89 and S$1,978.51
- One plan, marked as an estimate: S$3,556.74
- Three plans from a third insurer: S$5,355.76, S$5,458.34 and S$7,477.91
Sixteen insurers have no online price for the M4 Coupe. So you are comparing a small group online. A quote on your own details can fill some gaps.
Excess on each plan
The three highest premiums each carry a S$300 excess. The two lowest carry S$500. The estimate carries S$2,000. So the lowest-priced plans ask a little more of you at claim time than the dearest ones. The gap in premium, though, runs to thousands of dollars.
What happens when the details change
The lowest price after one change, from the price page:
- No NCD (0%): S$3,248.64, which is S$1,786.75 more
- 20% NCD: S$2,598.91, S$1,137.02 more
- Driver aged 27, 3 years' driving, 30% NCD: S$3,287.19, S$1,825.30 more
- Driver aged 65, 20 years' driving: S$1,616.20, S$154.31 more
- New car, registered this year: S$1,497.08, S$35.19 more
- Car 8 years old: S$1,464.04, S$2.15 more
Driver profile matters far more than car age here. The younger driver lifts the lowest price by 125%, and no NCD does nearly the same. A new or older car moves it only by a few dollars.
All cases keep 3 insurers pricing. Plans higher up the list may change by other amounts, since only the lowest is shown.
Compared with cars of about 3.0 litres
For the same driver and car age, the price page shows:
- Alfa Romeo 166: S$2,897.48
- Audi Roadjet Concept: S$1,524.39
- Audi Q8: S$1,323.18
- Audi S4 Saloon: S$1,209.34
- Audi A8: S$1,092.69
- Audi Q7: S$1,002.60
Their average lowest price is S$1,508.28. The M4 Coupe costs 3% less than that. Yet 4 of the 6 are cheaper to insure, because one high figure lifts the average. The BMW car insurance page covers other BMW models.
Costs that are yours to estimate
- Petrol: your distance and pump prices, with a 3.0 engine.
- Parking: season parking where you live and work.
- ERP: depends on your routes and hours.
- Upkeep: tyres and brakes on a performance car, plus the maker's service schedule. Check the warranty.
- Depreciation: the difference between the price you pay and the price you sell at.
Summary of yearly costs we can show
For the BMW M4 Coupe 3.0 Competition:
- Road tax: S$2,376.88 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,461.89 a year (as of 1 November 2026)
- Insurance, no NCD: from S$3,248.64
- Insurance, driver aged 27 with 30% NCD: from S$3,287.19
- Insurance, car 8 years old: from S$1,464.04
One-off, for reference: the Competition M xDrive at S$647,888 as listed on 2026-10-10. Category B COE closed at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the BMW M4 Coupe
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW M4 Coupe to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.