2020 BMW M4 Coupe

With a starting used price of $69,000 the 2020 BMW M4 is a car enthusiast's car. If you’re looking for an advanced space pod, you’re in the wrong place.
Written by Matt Nightingale
Reviewed by Kathleen Flear
With a previously owned price of between $69,000–$71,000, the 2020 BMW M4 Coupe is a great way to satisfy your need for speed.
The 2020 M4 is the last of its generation and its simplistic dash and analog instrument cluster show why a 2021 redesign was in order. But, technology and opulence are not the M4’s focus—it’s meant for drivers who love to drive. If you’re looking for an interactive computer command pod, you’re better off with the
AMG C63 or the
Audi RS5
If you’re after an exhilarating driving experience, the BMW M4 is worth a second look. Here to take you on a tour is
car insurance specialist
and sports car enthusiast
. We’ll dig into what makes the 2020 M4 so fun to drive and we’ll look at how you can reduce your
BMW insurance cost
, too.
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Style in a small package: the 2020 BMW M4 Coupe

Available in two trims levels, the 2020 BMW M4 can be had at a fair market starting price of between $69,000$71,000.
The M4 is the high-performance spin-off of the BMW 4-Series and is available in coupe and convertible formats.
The base M4 is outfitted with a turbocharged inline six-cylinder engine and is available with either a six-speed manual or a seven-speed dual-clutch automatic transmission. That combination produces some serious output:
  • 425 horsepower
  • 406 pound-feet of torque
  • 174 mile per hour top speed
  • 3.9 second 0–60 time
The M4 isn’t especially frugal when it comes to fuel, with a rating of 16 mpg on city streets and 22 mpg on highway. But, performance is what the M4’s target audience cares about most—and the M4 delivers with a 0–60 time of 3.9 seconds, thanks to its lightweight carbon fiber roof and tight suspension. It’s also the last of its cohort to offer a six-speed manual transmission option, which enthusiasts will cherish.

Is the 2020 BMW M4 Coupe comfortable?

BMW owners have come to expect a certain level of comfort and the M4 delivers. Its simple, yet classy design features 12-way power adjustable heated sport seats with leather, wet carbonfiber, and Alcantara interior trimmings.
The 8.8-inch horizontal infotainment interface is ergonomic and intuitive and stands next to the M4’s classic analog instrument cluster. There is no USB connection in the front dash area, and the seats are not ventilated. For an original MSRP of $90K+, these two features are a glaring omission.
The M4 does offer a heads-up display, but it only shows your speed and the speed limit. Upgrade to the M4 CS, and your heads-up display will also include a tachometer.
Dual climate control allows for maximum comfort, and the rear seats are adequately spacious. The trunk offers 11 cubic feet of storage, and the rear seats fold down in a 60/40 split to allow for longer objects like skis to be stowed.
While the 2020 BMW M4 isn’t as spacious as a
Mercedes-Benz GLS-Class
Cadillac Escalade
, it certainly has enough trunk space for your groceries and a gym bag. As long as you’re not hauling a horde of children, this sporty little number can be your everyday drive.

Is the 2020 BMW M4 Coupe reliable?

JD Power has no information on M4’s reliability, but BMW as a whole ranked eighth out of 32 brands on JD Power’s 2020 Vehicle Dependability Study. There have been no complaints about the M4 lodged on CarComplaints.com or RepairPal.com, which is a good sign. That said, RepairPal.com reports that the average annual repair cost for the BMW M4 is $2,781, which is wickedly high, even for a luxury vehicle.
BMWs have a reputation for being somewhat unreliable. That issue may be masked by the fact that the typical BMW owner has enough money to easily pay for repairs without complaint.

Is the 2020 BMW M4 Coupe safe?

Perhaps unsurprisingly, the BMW M4 has not received safety ratings from either the
or the IIHS. This is relatively common among luxury vehicles. However, from 2018 to 2022, BMW received 17 Top Safety Pick awards from the IIHS, and four BMW vehicles received five-star safety ratings from the NHTSA in 2020. Clearly, the M4 is made by a safety-conscious brand.
MORE: How did this car pass a crash test without airbags?

2020 BMW M4 Coupe trim levels

There are two available trim levels for the BMW M4—the M4 and the M4 CS. The base-level M4 can be acquired for a previously owned price of between $69,000$71,000. For that you’ll get: 
  • 20-inch wheels w/ performance tires
  • Carbon fiber roof
  • Heads-up display 
  • Leather/Alcantara interior trim
  • Harmon/Kardon premium sound system
  • Sliding front armrest
  • Active lane-keeping assist
  • Lane-departure warning
  • Front collision mitigation
  • Back-up camera
  • Parking sensors
Adding the Competition options package increases your Beamer’s power to 444 horsepower, and adds dampers and anti-roll bars for improved performance.
Above the base trim is the M4 CS. This configuration provides: 
  • 454 horsepower engine
  • Adaptive M suspension
  • Active M differential
  • Carbon fiber hood
  • Hidable cupholders
Given that the M4 CS had an original MSRP of $104,095, it’s safe to say that a used version will come in considerably higher than the use M4’s $69,000–$71,000 range. Whether the 19 extra horsepower and improved handling are worth it is up to you. Just keep in mind that the more you spend on your car, the more you’ll likely spend on car insurance. 

How to find the best insurance for the 2020 BMW M4 Coupe

If you’re looking higher up the M4’s trim pyramid, you may be able to avoid increased
car insurance
costs by using the
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