[Chez]

We have Liberty Mutual as they guarantee OEM for both the M4 and my wife's Cooper S.

I've only had my US license for around 6 months (from the UK originally) and my wife is 26. Neither of us have ever had any claims or tickets.

We pay $2,743/year (changing from the 328i to the M4 added $470/year) with a $250 deductible. Breaks down as $1224 for the Mini and $1466 for the M4.

We have 250k/500k Bodily Injury, 500k Property, 250k/500k/100k Uninsured/Underinsured Motorist.

We had State Farm before and they were around $50/month more expensive (for the 328i - no idea how much it would have been with the M4), although by all accounts they are the absolute best in the event you have to make a claim.