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2012 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 2012 BMW Z4 are $1,212 a year including full coverage. Comprehensive insurance costs around $260, collision costs $426, and liability coverage costs $390. Buying a liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,616 or more. Teenage drivers receive the highest rates at $4,544 a year or more.

Annual premium for full coverage: $1,212

Rate estimates for 2012 BMW Z4 Insurance

Comprehensive $260
Collision $426
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 driver in their 40's, prices range go from as low as $438 for a discount liability-only rate to a much higher rate of $2,616 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,212
High Risk $2,616

View Chart as Image

2012 BMW Z4 insurance rates compared
Column chart showing 2012 BMW Z4 insurance prices range from $700 to $4,544 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 2012 BMW Z4 Insurance

Searching Companies

Trying to find cheaper insurance rates for your BMW Z4? I can’t think of a single person who likes paying for insurance, in particular when they are paying too much. There are many insurers to buy insurance from, and although it’s nice to have a selection, having more car insurance companies makes it harder to compare rates and find the lowest cost insurance.

Smart consumers take time to compare prices occasionally because insurance rates are constantly changing. Even if you got the best price on Z4 coverage a year ago you may be paying too much now. There is a lot of bad information regarding insurance online, so with this article, you’re going to get some great ways to find cheap insurance.

Discounts to lower 2012 BMW Z4 insurance rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you get a quote, but less common discounts must be specially asked for prior to getting the savings. If you don’t get every credit possible, you are throwing money away.

  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates on insurance on Z4 coverage.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in school.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Claim Free – Good drivers with no accidents can save substantially as compared to bad drivers.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Air Bag Discount – Vehicles equipped with air bags can get savings of more than 20%.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% on Z4 coverage.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • College Student – Kids in college living away from home attending college and don’t have a car may qualify for this discount.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

It’s important to understand that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut the amount you have to pay.

To see a list of insurers who offer insurance discounts, click here.

How to Buy Car Insurance Online

Getting a lower price on 2012 BMW Z4 insurance is not rocket science. All you need to do is take a few minutes comparing rate quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do separate quotes for each company you want a rate for. Filling out one form will return price quotes instantly.
  • Another way to get comparison quotes is going to the website of each company and request a quote. For sake of this example, we’ll pretend you want comparison quotes from Auto-Owners, Progressive and Farmers. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The least efficient way to compare rates is driving around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local agent. You can, however, comparison shop your insurance online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you which method you use, but make absolute certain that you use the exact same coverage limits with each company. If you are comparing unequal deductibles or liability limits it’s not possible to find the best deal for your BMW Z4.

Tailor your coverage to you

When buying coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining whether you might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Is my dog or cat covered if injured in an accident?
  • Can my babysitter drive my car?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford to buy a different vehicle if my 2012 BMW Z4 is totaled?
  • Is motorclub coverage worth it?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, vandalism and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like EMT expenses, hospital visits, ambulance fees, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2012 BMW Z4.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, funeral expenses, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be a Smart Shopper

In this article, we covered a lot of information how to get a better price on 2012 BMW Z4 insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced physical damage coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford.

More tips and info about car insurance is located in the articles below:

Rates by U.S. City

2012 BMW Z4 Insurance Rates by City
City Premium
New York City, NY $1,914
Los Angeles, CA $2,073
Philadelphia, PA $1,616
Jacksonville, FL $1,754
Phoenix, AZ $1,408
Chicago, IL $1,627
Houston, TX $1,901
Seattle, WA $1,179
Columbus, OH $1,012
Indianapolis, IN $1,033

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 BMW Z4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,544
20 $2,780
30 $1,262
40 $1,212
50 $1,108
60 $1,088

Full coverage, $500 deductibles

Rates by Deductible

2012 BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,514
$250 $1,374
$500 $1,212
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,212
50/100 $1,290
100/300 $1,388
250/500 $1,641
100 CSL $1,329
300 CSL $1,544
500 CSL $1,700

Full coverage, driver age 40

Rates for High Risk Drivers

2012 BMW Z4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,478
20 $4,426
30 $2,672
40 $2,616
50 $2,496
60 $2,472

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $87
5-yr Claim Free $78
Paid in Full/EFT $54
Advance Quote $59
Online Quote $86
Total Discounts $512
Rate after discounts $700

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

Find companies with the cheapest rates in your area

2012 BMW Z4 Insurance Rates by State
State Premium
Alabama $1,096
Alaska $930
Arizona $1,006
Arkansas $1,212
California $1,382
Colorado $1,158
Connecticut $1,246
Delaware $1,370
Florida $1,512
Georgia $1,122
Hawaii $870
Idaho $820
Illinois $904
Indiana $914
Iowa $818
Kansas $1,150
Kentucky $1,654
Louisiana $1,796
Maine $748
Maryland $1,000
Massachusetts $966
Michigan $2,104
Minnesota $1,016
Mississippi $1,452
Missouri $1,076
Montana $1,302
Nebraska $954
Nevada $1,454
New Hampshire $876
New Jersey $1,354
New Mexico $1,072
New York $1,276
North Carolina $700
North Dakota $992
Ohio $836
Oklahoma $1,244
Oregon $1,110
Pennsylvania $1,154
Rhode Island $1,616
South Carolina $1,100
South Dakota $1,024
Tennessee $1,062
Texas $1,462
Utah $898
Vermont $830
Virginia $726
Washington $936
West Virginia $1,110
Wisconsin $838
Wyoming $1,080

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