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2007 BMW Z4 Insurance Rates

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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 2007 BMW Z4 are $1,032 a year including full coverage. Comprehensive costs approximately $206, collision costs $288, and liability insurance costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,216. Teenage drivers receive the highest rates at $3,972 a year or more.

Annual premium for full coverage: $1,032

Rate estimates for 2007 BMW Z4 Insurance

Comprehensive $206
Collision $288
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 $446 for a discount liability-only rate to a much higher rate of $2,216 for high-risk insurance.

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

View Chart as Image

2007 BMW Z4 insurance rates compared
Column chart showing 2007 BMW Z4 insurance prices range from $613 to $3,972 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on 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 2007 BMW Z4 Insurance

Searching Companies

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you many consumers feel financially strained by their car insurance policy.

Insurance companies such as State Farm and GEICO all claim big savings with fancy advertisements and it is difficult to see through the deception and take the time to shop coverage around.

You should make it a habit to check car insurance prices once or twice a year because rates trend upward over time. Even if you got the best price on Z4 insurance a year ago there is a good chance you can find better rates now. Don’t believe everything you read about car insurance on the web, but with this article, you’re going to get some of the best ways to reduce your car insurance bill.

Finding Car Insurance Deals

There are multiple methods to shop for 2007 BMW Z4 car insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quotes to achieve your goal.

Most of the best insurance companies enroll in a system where insurance shoppers send in one quote, and every company then returns a price quote based on that data. This system prevents you from having to do repetitive form submissions for every car insurance company.

To access this free quoting program, click here to start a free quote.

The one downside to getting quotes like this is you don’t know exactly the companies to receive prices from. So if you prefer to pick specific providers to request quotes from, we put together a list of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use identical coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your BMW Z4. Just a small difference in coverage limits could mean much higher rates. Keep in mind that comparing a large number of companies helps locate lower pricing.

Which insurance is the “right” coverage?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • What is an SR-22 filing?
  • When should my teen driver be added to my policy?
  • Am I covered if my car is in a flood?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered by my policy?
  • Is my trailer covered?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2007 BMW Z4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, pain medications, chiropractic care, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverages – This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability coverage can cover damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Rates by U.S. City

2007 BMW Z4 Insurance Rates by City
City Premium
New York City, NY $1,626
Los Angeles, CA $1,761
Philadelphia, PA $1,375
Jacksonville, FL $1,492
Phoenix, AZ $1,196
Chicago, IL $1,382
Houston, TX $1,615
Seattle, WA $1,000
Columbus, OH $859
Indianapolis, IN $879

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2007 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

2007 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

2007 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.

Find companies with the cheapest rates in your area

2007 BMW Z4 Insurance Rates by State
State Premium
Alabama $932
Alaska $790
Arizona $854
Arkansas $1,032
California $1,174
Colorado $982
Connecticut $1,060
Delaware $1,164
Florida $1,286
Georgia $954
Hawaii $740
Idaho $698
Illinois $768
Indiana $778
Iowa $694
Kansas $980
Kentucky $1,404
Louisiana $1,526
Maine $636
Maryland $852
Massachusetts $822
Michigan $1,790
Minnesota $862
Mississippi $1,234
Missouri $914
Montana $1,106
Nebraska $810
Nevada $1,236
New Hampshire $744
New Jersey $1,154
New Mexico $910
New York $1,084
North Carolina $594
North Dakota $846
Ohio $710
Oklahoma $1,056
Oregon $944
Pennsylvania $982
Rhode Island $1,374
South Carolina $934
South Dakota $870
Tennessee $902
Texas $1,242
Utah $762
Vermont $702
Virginia $618
Washington $794
West Virginia $944
Wisconsin $712
Wyoming $918

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