BMW Z4 Insurance Rates

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UPDATED: May 18, 2024

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Is insurance expensive for a BMW Z4 compared to other vehicles? Whether you are shopping for 2020 or 2003 BMW Z4 insurance costs, average rates will be around $1,530 a year or $127 a month. Read on to learn more about the BMW Z4 cost of insurance and how to save.

To find the best BMW Z4 insurance rates in your area, enter your ZIP code in our free tool above to get BMW Z4 insurance quotes.

Estimated insurance rates for a BMW Z4 are $1,032 a year with full coverage. Comprehensive insurance costs an estimated $206 each year, collision costs $288, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,216 or more. Teen drivers pay the most at $3,972 a year or more.

Average premium for full coverage: $1,032

Premium estimates broken down by type of coverage:

Comprehensive $206
Collision $288
Liability $402

Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Z4 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a BMW Z4 go from as low as $446 for basic liability insurance to a high rate of $2,216 for coverage for higher-risk drivers.

Liability Only $446
Full Coverage $1,032
High Risk $2,216

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $774
Small Cities $1,084
Large Cities $1,393

These rate differences demonstrate why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below details estimated BMW Z4 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $613
  • Choosing higher $1,000 deductibles can save approximately $114 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,032
  • Choosing low deductibles for comp and collision coverage will cost an extra $214 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,216 or more
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $3,972 each year

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing full coverage BMW Z4 insurance prices range from $613 to $3,972

Insurance prices for a BMW Z4 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for BMW Z4 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,390 on average in New York, Michigan, and Florida.

BMW Z4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $932 -$100 -9.7%
Alaska $790 -$242 -23.4%
Arizona $854 -$178 -17.2%
Arkansas $1,032 -$0 0.0%
California $1,174 $142 13.8%
Colorado $982 -$50 -4.8%
Connecticut $1,060 $28 2.7%
Delaware $1,164 $132 12.8%
Florida $1,286 $254 24.6%
Georgia $954 -$78 -7.6%
Hawaii $740 -$292 -28.3%
Idaho $698 -$334 -32.4%
Illinois $768 -$264 -25.6%
Indiana $778 -$254 -24.6%
Iowa $694 -$338 -32.8%
Kansas $980 -$52 -5.0%
Kentucky $1,404 $372 36.0%
Louisiana $1,526 $494 47.9%
Maine $636 -$396 -38.4%
Maryland $852 -$180 -17.4%
Massachusetts $822 -$210 -20.3%
Michigan $1,790 $758 73.4%
Minnesota $862 -$170 -16.5%
Mississippi $1,234 $202 19.6%
Missouri $914 -$118 -11.4%
Montana $1,106 $74 7.2%
Nebraska $810 -$222 -21.5%
Nevada $1,236 $204 19.8%
New Hampshire $744 -$288 -27.9%
New Jersey $1,154 $122 11.8%
New Mexico $910 -$122 -11.8%
New York $1,084 $52 5.0%
North Carolina $594 -$438 -42.4%
North Dakota $846 -$186 -18.0%
Ohio $710 -$322 -31.2%
Oklahoma $1,056 $24 2.3%
Oregon $944 -$88 -8.5%
Pennsylvania $982 -$50 -4.8%
Rhode Island $1,374 $342 33.1%
South Carolina $934 -$98 -9.5%
South Dakota $870 -$162 -15.7%
Tennessee $902 -$130 -12.6%
Texas $1,242 $210 20.3%
Utah $762 -$270 -26.2%
Vermont $702 -$330 -32.0%
Virginia $618 -$414 -40.1%
Washington $794 -$238 -23.1%
West Virginia $944 -$88 -8.5%
Wisconsin $712 -$320 -31.0%
Wyoming $918 -$114 -11.0%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Choosing high deductibles can save as much as $330 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,200 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

BMW Z4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
BMW Z4 3.0I SDRIVE 2-Dr Roadster $1,010 $84
BMW Z4 3.5I SDRIVE 2-Dr Roadster $1,032 $86

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

BMW Z4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 BMW Z4 $302 $548 $384 $1,370
2018 BMW Z4 $290 $516 $388 $1,330
2016 BMW Z4 $260 $426 $390 $1,212
2015 BMW Z4 $250 $400 $394 $1,180
2014 BMW Z4 $244 $374 $402 $1,156
2013 BMW Z4 $226 $346 $402 $1,110
2012 BMW Z4 $220 $314 $406 $1,076
2011 BMW Z4 $206 $288 $402 $1,032
2010 BMW Z4 $194 $262 $402 $994
2006 BMW Z4 $166 $208 $380 $890

Rates are averaged for all BMW Z4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest BMW Z4 Insurance

Finding better rates on insurance for a BMW Z4 takes being a good driver, having a good credit history, being claim-free, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the primary concepts that were covered in the charts and tables above.

  • You may be able to save approximately $120 per year simply by quoting online in advance
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,180 more annually than a safer driver
  • Increasing policy deductibles can save around $325 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $331 per month including comprehensive and collision insurance

The best way to reduce your BMW Z4 insurance costs is to get quotes. To find out how much is a BMW Z4 to insure in your area and save on BMW Z4 insurance prices, use our free tool below.

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What are the safety ratings of the BMW Z4?

Some of the standard safety features on the BMW Z4 are a rearview camera, lane departure warning, and blind-spot monitoring, which is great. Advanced safety features like these can help reduce the risk of a crash, improving BMW Z4 safety ratings.

However, the Insurance Institute of Highway Safety (IIHS) has not crash-tested the BMW Z4. This means insurers will base rates on the BMW Z4 old claim records. If a vehicle has a history of crashes and claims, this means the vehicle will have higher rates.

BMW Z4 Compared Against Other Vehicles in the Same Class

The BMW Z4 is a luxury vehicle. Because owners of these vehicles are more likely to speed due to the powerful engines in luxury vehicles, the BMW Z4’s liability rates will be slightly higher than a non-luxury vehicle. Take a look at the list of luxury vehicles below to see how the price of BMW Z4 insurance rates compares.

Ready to find savings for your BMW Z4? To find out how much does a BMW Z4 cost to insure in your area and find the best rates, use our free rate comparison tool.

Rates by Driver Age

BMW Z4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,972
20 $2,346
30 $1,060
40 $1,032
50 $944
60 $926

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,246
$250 $1,146
$500 $1,032
$1,000 $918

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,032
50/100 $1,112
100/300 $1,213
250/500 $1,474
100 CSL $1,153
300 CSL $1,374
500 CSL $1,535

Full coverage, driver age 40

Rates for High Risk Drivers

BMW Z4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,632
20 $3,736
30 $2,248
40 $2,216
50 $2,112
60 $2,092

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $139

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $54
Homeowner $17
5-yr Accident Free $68
5-yr Claim Free $66
Paid in Full/EFT $41
Advance Quote $47
Online Quote $72
Total Discounts $419
Rate after discounts $613

Discounts are estimated and may not be available from every company or in every state.

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