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 for full coverage insurance. Comprehensive costs approximately $206, collision insurance costs $288, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,216. 16-year-old drivers pay the most at up to $3,972 a year.

Average premium for full coverage: $1,032

Premium estimates by type of coverage:

Comprehensive $206
Collision $288
Liability $402

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Z4 trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a BMW Z4 range from as low as $446 for liability-only coverage to a much higher 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

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using rate 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.

Additional Charts and Tables

The chart below illustrates average BMW Z4 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $613
  • Using higher $1,000 deductibles will save $114 each year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,032
  • Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,246
  • Drivers with multiple tickets or accidents could pay around $2,216
  • An auto insurance policy for full coverage for a teen driver with full coverage can cost $3,972 or more

View Chart as Image

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

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on BMW Z4 insurance prices. A driver around age 40 might see prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,390 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles could cut prices by as much as $330 every year, while increasing your policy's liability limits will push prices upward. Switching 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 are probably paying anywhere from $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than the average rate. View High Risk Driver Rates

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 Best BMW Z4 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief recap of the primary concepts that were touched on in the above illustrations.

  • It is possible to save around $120 per year just by shopping early and online
  • Higher risk drivers who tend to receive serious violations may pay on average $1,180 more per year for car insurance
  • Increasing policy deductibles can save around $325 each year
  • Teenagers are the costliest to insure, with premiums being up to $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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