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2005 BMW Z4 Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 13, 2015

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Average insurance rates for a 2005 BMW Z4 are $956 a year including full coverage. Comprehensive costs around $188, collision costs $234, and liability coverage costs $398. Buying a liability-only policy costs as little as $444 a year, with high-risk insurance costing around $2,044. Teenage drivers receive the highest rates at $3,722 a year or more.

Annual premium for full coverage: $956

Rate estimates for 2005 BMW Z4 Insurance

Comprehensive $188
Collision $234
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2005 BMW Z4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $444 for basic liability insurance to a much higher rate of $2,044 for high-risk insurance.

Liability Only $444
Full Coverage $956
High Risk $2,044

View Chart as Image

2005 BMW Z4 insurance rates compared
Column chart showing 2005 BMW Z4 insurance prices range from $577 to $3,722 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2005 BMW Z4 Insurance

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Paying for high-priced BMW Z4 insurance can dwindle your savings account and force you to make sacrifices. Comparison shopping is a smart way to help make ends meet.

You have so many auto insurance companies to choose from, and although it’s a good thing to have a choice, it can be more challenging to adequately compare rates.

You should make it a habit to check insurance prices every six months due to the fact that insurance rates tend to go up over time. Just because you had the best deal for Z4 insurance two years ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.

This article will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you should be able to save some money using this strategy. Nevertheless, car owners can benefit from knowing how big insurance companies price insurance differently because it can help you find the best coverage.

How to Get Cheap Insurance Coverage

When shopping for insurance coverage there are multiple ways of comparing price quotes from local insurance coverage companies. By far the easiest way to find the cheapest 2005 BMW Z4 insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate forms for each company you want a rate for. One form will return quotes instantly.
  2. A more difficult way to compare rate quotes is to take the time to go to the website for every company you want to comare to request a price quote. For instance, let’s assume you want to compare rates from Nationwide, GEICO and Liberty Mutual. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least recommended method of comparing rate quotes is to spend your day driving to different agent offices. The internet has reduced the need for local agents unless you want the trained guidance of a licensed agent. Drivers can obtain prices from the web but still have the advice of a local agent and we’ll cover that in a bit.

Whichever way you use, make darn sure you compare apples-to-apples quote information on every quote you get. If you compare differing limits it’s impossible to truly determine the lowest rate. Quoting even small variations in limits may result in large price differences. And when quoting insurance coverage, remember that comparing more company’s prices gives you a better chance of getting lower pricing.

Situations that might require an agent

When it comes to choosing coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out whether you would benefit from an agent’s advice.

  • How can I find cheaper teen driver insurance?
  • Who is covered by my policy?
  • Why do I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when delivering products for my home-based business?
  • Is my teenager covered with friends in the car?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills like prosthetic devices, nursing services, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance – This provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, a broken windshield and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Rates by U.S. City

2005 BMW Z4 Insurance Rates by City
City Premium
New York City, NY $1,509
Los Angeles, CA $1,635
Philadelphia, PA $1,274
Jacksonville, FL $1,385
Phoenix, AZ $1,109
Chicago, IL $1,278
Houston, TX $1,498
Seattle, WA $930
Columbus, OH $796
Indianapolis, IN $814

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 BMW Z4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,722
20 $2,164
30 $978
40 $956
50 $876
60 $858

Full coverage, $500 deductibles

Rates by Deductible

2005 BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,138
$250 $1,054
$500 $956
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $956
50/100 $1,036
100/300 $1,135
250/500 $1,394
100 CSL $1,075
300 CSL $1,294
500 CSL $1,454

Full coverage, driver age 40

Rates for High Risk Drivers

2005 BMW Z4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,258
20 $3,446
30 $2,070
40 $2,044
50 $1,950
60 $1,932

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 $126

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $60
Paid in Full/EFT $36
Advance Quote $42
Online Quote $66
Total Discounts $379
Rate after discounts $577

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

Find companies with the cheapest rates in your area

2005 BMW Z4 Insurance Rates by State
State Premium
Alabama $864
Alaska $734
Arizona $792
Arkansas $956
California $1,090
Colorado $912
Connecticut $980
Delaware $1,080
Florida $1,194
Georgia $884
Hawaii $686
Idaho $646
Illinois $710
Indiana $720
Iowa $644
Kansas $906
Kentucky $1,304
Louisiana $1,416
Maine $590
Maryland $788
Massachusetts $762
Michigan $1,660
Minnesota $800
Mississippi $1,144
Missouri $848
Montana $1,026
Nebraska $752
Nevada $1,146
New Hampshire $690
New Jersey $1,070
New Mexico $844
New York $1,006
North Carolina $550
North Dakota $784
Ohio $658
Oklahoma $978
Oregon $876
Pennsylvania $910
Rhode Island $1,274
South Carolina $866
South Dakota $806
Tennessee $836
Texas $1,152
Utah $706
Vermont $652
Virginia $570
Washington $738
West Virginia $878
Wisconsin $660
Wyoming $848

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