M4 Competition Price: MSRP, Trims & Real-World Cost

Searches for the M4 Competition price usually land on a question that is more tangled than it looks: BMW sells the M4 in several forms, and the Competition name covers a coupe, an all-wheel-drive coupe, and a convertible. Each has its own price.

Every number on this page includes the destination charge, so they are closer to a window sticker than a bare starting price. The 2026 model year is shown alongside so you can see how the new year compares.

The entry point is the M4 Coupe at $83,550. The M4 Competition Coupe, which is the rear-wheel-drive Competition, is $87,950.

Adding xDrive all-wheel drive moves the Competition Coupe to $93,050. The Competition xDrive Convertible is the top of the lineup at $99,950.

So the price of "an M4 Competition" can differ by a wide margin depending on drivetrain and roof. If you see a single figure online, check which of these versions it describes.

For 2026, the Competition Coupe was $87,750. The Competition xDrive Coupe was $92,850, and the Competition xDrive Convertible was $99,750.

Set the two years side by side and each Competition version costs slightly more for 2027 than for 2026. That matters if a dealer still has a 2026 in stock, because the lower price could give you room to negotiate.

The base Competition sends power to the rear wheels, while the xDrive models add all-wheel drive. The xDrive version costs more and gives you more traction in wet or cold conditions. If you live where roads get snow, the extra cost may be justified. If the car is a fair-weather weekend car, rear-wheel drive may suit you better.

The convertible is the most expensive M4 on the sheet. You pay for open-air driving, and you should also expect different practical trade-offs, such as the weight of the roof and trunk space with the top down. Test drive both if you are undecided.

• Options and packages. BMW offers paint, wheel, seat, and trim choices that raise the price. Individual choices can be priced on BMW's USA configurator.
• Dealer markups. High-demand performance cars sometimes carry a market adjustment. Ask for the price without it.
• Taxes and fees. State sales tax, registration, and documentation fees come on top.
• Trade-in and financing terms, which can change your monthly payment as much as the gap between trims.

• Is this quote for a Competition or the base M4?
• Is it rear-wheel drive or xDrive?
• Which options are installed, and what do they cost?
• Does the figure include destination?
• What is the out-the-door price in writing?

Insurance on a high-performance coupe is usually higher than on a typical sedan. Tires and brakes wear faster when driven hard and cost more to replace. Ask the dealer about BMW's maintenance coverage and warranty terms for new purchases, and read what is included before you rely on it.

BMW Financial Services, banks, and credit unions all finance cars at this price level. Leasing is common, and terms depend on mileage, term, and credit. A licensed financial professional can help you compare leasing and buying.

Listings for the M4 often mix model years, trims, and destination treatment, so two numbers for the same car can both be right. Before you compare, write down four things for each quote: the model year, whether it is the base M4 or a Competition, the drivetrain, and whether the delivery charge is in the total. A quote that leaves out any of those is not comparable yet.

It also helps to ask how long the car has been on the lot. A vehicle that has sat for a while gives a dealer more reason to talk about price than one that arrived last week.