2011 BMW Z4 Insurance Rates
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UPDATED: Jun 13, 2015
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Average insurance rates for a 2011 BMW Z4 are $1,180 a year for full coverage. Comprehensive insurance costs on average $250 a year, collision insurance costs $400, and liability coverage costs around $394. Buying a liability-only policy costs as low as $440 a year, and high-risk insurance costs $2,546 or more. Teen drivers receive the highest rates at up to $4,444 a year.
Annual premium for full coverage: $1,180
Rate estimates for 2011 BMW Z4 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 range from as low as $440 for a discount liability-only rate to a high of $2,546 for high-risk insurance.
These differences show why it is important for drivers to compare prices based on a specific location and risk profile, rather than using price averages.
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 2011 BMW Z4 Insurance
Want the cheapest auto insurance rates for your BMW Z4? Are you tired of being strong-armed to insure your BMW every month? You’re in the same situation as many other consumers. You have multiple car insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it can be more challenging to locate the cheapest rates.
How much can you save with discounts?
Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but some must be requested specifically prior to getting the savings. If you don’t get every credit possible, you are throwing money away.
- Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
- Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.
- Service Members Pay Less – Being deployed with a military unit can result in better rates.
- No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.
To see a list of insurers who offer car insurance discounts, click here to view.
How to Compare Car Insurance Costs
Reducing your 2011 BMW Z4 insurance rates can be relatively painless. Just take a couple of minutes comparing rates from different insurance companies. This can be accomplished in just a few minutes using one of these methods.
- The most efficient way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method saves time by eliminating separate forms for every car insurance company. One form submission will return quotes from all major companies.
- Another way to get quotes online consists of visiting each individual company website to request a price quote. For instance, let’s say you want to compare Auto-Owners, Allstate and Liberty Mutual. To get each rate you have to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
It’s up to you how you get prices quotes, just double check that you are using identical coverage limits with each company. If you compare unequal deductibles or liability limits you will not be able to make an equal comparison.
How much car insurance do I need?
When buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.
- Can I afford to buy a different vehicle if my 2011 BMW Z4 is totaled?
- Can I make deliveries for my home business?
- Does my insurance cover my expensive audio equipment?
- Why is insurance for a teen driver so high?
- When can my company non-renew my policy?
- Why am I required to get a high-risk car insurance policy?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance 101
Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.
Collision coverage – This coverage pays for damage to your Z4 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a ditch, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as a broken windshield, hail damage and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your BMW Z4.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills for ambulance fees, EMT expenses, funeral costs and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability auto insurance – This coverage can cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as repair costs for stationary objects, attorney fees, funeral expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
More quotes. Lower rates.
We just presented many ideas to compare 2011 BMW Z4 insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. They may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.
Discount insurance can be found both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
Rates by U.S. City
|New York City, NY||$1,863|
|Los Angeles, CA||$2,019|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$83|
|5-yr Claim Free||$76|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.